The Village Voice Oct Nov 2018

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Geoff Dunk DipPFS, Certs CII (MP & ER) Independent Financial Advisor • Retirement Planning • Savings & Investments • Portfolio Design & Management • Pensions Freedoms & Annuities • Estate & Inheritance Tax Planning • Long Term Care • Equity Release • Protection Initial meeting without charge or obligation We make the complex simple. Clear, unbiased and independent advice for every stage of your life. T: 01590 636472 | M: 07540 334688 | E: gd@affinityifasouth.co.uk www.affinityifasouth.co.uk Authorised and regulated by the Financial Conduct Authority. FCA Number 457234. The value of investments may go down as well as up. Investors may lose some or all of their money. The FCA does not regulate taxation and trust advice or will writing. Think carefully before securing other debts against your home. 38 To advertise call 01590 643969 or e-mail info@lymingtondirectory.co.uk
Nicola Davies Is your Discretionary Trust still needed? Many Wills made before the introduction of the Transferable Nil Rate Band in 2007, incorporated a Discretionary Trust, often using the family home. This made use of the Nil Rate Band of the first spouse to die and therefore saving Inheritance Tax. Property now held in discretionary trusts cannot utilise the Residential Nil Rate Band introduced for Inheritance Tax last April, which has already benefited the estates of a number of our Clients and saved their families thousands of pounds. However, in many cases it is only a debt charged on the property, not the property itself that is held in the discretionary trust, in which circumstance the Residential Nil Rate Band may be available. If your will hasn't been reviewed in the last ten years, it may be worth your while undertaking a review to appreciate the changes in the Inheritance Tax allowances, your circumstances, or those of your family. The law is ever-changing and what was applicable when you made a Will say ten years ago it may not now be the best way to leave your estate. It is good practice to review your Will to ensure that it carries out your wishes and makes the best use of the tax exemptions available to you and your estate. If you would like to speak to us about your Will or indeed to review the current provisions please do not hesitate to contact us at the Lymington Office on 01590 689500 or at New Milton on 01425 610078. Heppenstalls are a friendly and efficient team of community focused solicitors and have been representing clients for over 125 years. We represent clients throughout the New Forest and Hampshire. enquiries@heppenstalls.co.uk 75 75 High High Street, Street, Lymington 01590 01590 689500 689500 www.heppenstalls.co.uk 82 82 Station Station Rd, Rd, New New Milton. Milton. 01425 01425 610078 610078 Please mention The Village Voice when responding to adverts 39
Page 2 and 3: 2 To advertise call 01590 643969 or
Page 4 and 5: ANDREW HALLIDAY FINE ART Andrew stu
Page 6 and 7: Count on us to provide you with sol
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Page 12 and 13: ’ 12 To advertise call 01590 6439
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Page 24 and 25: COME AND VISIT OUR SHOWROOM IN HIGH
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Page 34 and 35: Parish Council comment on MOS1 - la
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Page 42 and 43: , ’ Proud members of: 42 To adver
Page 44 and 45: Mat Watson Property Services For al
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Page 48 and 49: The SMUGGLERS INN Food served 12 no
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Page 52 and 53: The Village News Traditional Newsag
Page 54 and 55: Oct 4th : Stephen Christopher, Sing
Page 56 and 57: New Forest Orchestra is a friendly,
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Page 60 and 61: PLANNING AHEAD 17th—20th January
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Page 64 and 65: HOME HEARING LYMINGTON 01590 615181
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Page 72: Call 01590 690155 01590 690155 / 07

The Village Voice Oct Nov 2018

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