Category Archives: News

The Planning crowd: Let’s talk about a discretionary trust

Planning crowd

When you decide to make your own Will, you are taking control and making it clear what you would like to happen when you are no longer here.

Some people take that control a step further and include an easy to understand trust in their Will.  All this means is that either all, or some of their assets, actually pass into this trust rather than going directly to their chosen beneficiaries.  This trust is then managed by trustees of their choosing and they often provide a letter of wishes that helps guide the decisions made by those trustees.

If a beneficiary has some lifestyle problems, providing for them through a trust can be a good way to give care and assistance without risking the whole of the funds by simply giving the money straight to them. For example, if an individual had a drug habit or an alcohol addiction, a properly administered trust will ensure that the fund is managed in a sensible way and that all the benefits will not be drained in a reckless way.

Including a Will trust can also be helpful where you have concerns about your assets being ‘lost’ because a beneficiary may have issues such as bankruptcy or they could be going through a divorce.  The trust can provide another layer of control and protection for everything you worked hard for, to make sure it passes to the right people at the right time.

Your beneficiary may also have a potential inheritance tax liability and so, by using this type of trust, you can provide for the beneficiary without making the tax position worse.

If you want to protect your assets, include conditions on how and when beneficiaries benefit or simply exercise some control after you’re gone, then a discretionary trust is definitely worth considering!

Fischer Heat are back!


Leading UK heating company Fischer Future Heat return to Ideal World with their modern dynamic electric heating solution. With over 70 years’ experience and more than half a million Fischer elektrostore heaters fitted into homes across the UK, it is definitely worth tuning in to find out how you can improve your home heating and potentially lower the amount of energy you use.

Their heating solution was well received when they aired back in September 2017. John, their knowledgeable heating engineer, is back on the show to fully explain why their heaters can make a real difference to your comfort around the home.

Fischer elektrostore heaters have made a massive difference for many homeowners that converted from old economy 7-night storage heaters to their temperature controlled electric system. Mrs. Brown in Northumberland reviewed their heaters on TrustPilot, the independent review site and said:

“Having bought Fischer heaters 5 years ago, I decided to invest in another 2 heaters as I was so pleased with the saving in running costs. I was also glad I did not have to bend down all the time to adjust the heaters. Fischer heaters are so easy to control and use, I would recommend them to anyone”.

Fischer Future Heat offers their customers a full service that aims to provide new efficient heating, a water heating solution that can provide instant hot water all day and 100% renewable energy at an Honest, Fair and Simple price. But if you only need one heater for the conservatory or a spare room, then they can provide that too.

With engineers located all over the country spanning from the North to the South and across from the West Coast to the East Coast, they will be able to arrange a free no obligations survey for you without any quarrels.

If you’re unsatisfied with your current heating – whether it’s gas central heating, night storage heaters or a solid fuel system – Fischer Future Heat are ready to help find you the best heating solution that will improve your comfort and efficiency throughout the home.

If you’re interested, visit their website at or call 0800 103 2723.

They will be on Ideal World from March until July 2018. Viewable on Sky 654, Freeview 22, Virgin 747, Freesat 812