Simply LPA Somerset

Simply LPA Somerset We help families across Somerset, North Somerset and Devon with cost effective LPAs, Wills, Trusts and business partnership agreements.
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Our aim is to make planning for the future simple, clear and stress free and all our home visits are free .

03/09/2026

Autumn feels on my morning walk 🍁🍂🍁

Autumn feels on my morning walk 🍁🍂🍁
03/09/2026

Autumn feels on my morning walk 🍁🍂🍁

If you get a chance to see this take it.It’s well worth it ❤️
02/09/2026

If you get a chance to see this take it.

It’s well worth it ❤️

British and French leaders will be at the British Museum to see the exhibition of the historic Bayeux Tapestry.

Such a useful meeting coming up with marketing hints, tips, advice and audit SomersetbusinesswomenunltdThank you Debbie ...
02/09/2026

Such a useful meeting coming up with marketing hints, tips, advice and audit Somersetbusinesswomenunltd
Thank you Debbie Gilbert

My lovely daughter got her first Saturday job yesterday and I couldn’t be happier.She starts college tomorrow and is tur...
02/09/2026

My lovely daughter got her first Saturday job yesterday and I couldn’t be happier.

She starts college tomorrow and is turning into a wonderful young woman ❤️❤️❤️❤️

There are two ways of owning your home 🏡 Joint Tenants or Tenants in Common.Tenants in Common (TIC) allows you to avoid ...
01/09/2026

There are two ways of owning your home 🏡 Joint Tenants or Tenants in Common.

Tenants in Common (TIC) allows you to avoid having the entire property value 💷 count towards care home fees because only your individual share of the property is assessed. By changing from Joint Tenancy to TIC and incorporating a Trust in your will ✍️📃, you can ensure the surviving partner continues to live in the home, and the deceased's share is protected from care fees and passed on to beneficiaries ☺️

However, this may not be a foolproof method to avoid fees, as the local authority may investigate for deliberate deprivation of assets if the change was made with the intention of avoiding care costs 😩

How Tenants in Common Can Help
* Defined Shares: With TIC, you own a specific share of a property ➗, unlike Joint Tenancy, where ownership is undivided 💯��
* Share-Based Assessment: When someone requires care, the local authority only assesses the value of the share owned by the person needing care 😊��
* Protective Trust: A will can include a Trust that gives the surviving spouse a right to live in the property for their lifetime 🌈��
* Preserving legacies : This arrangement protects the deceased's share from care home fees, allowing it to be passed on to children or other chosen beneficiaries, preserving the family inheritance 🧑‍🧑‍🧒‍🧒�
Call 01458 555013 for a free home visit across Somerset, North Somerset and Devon today ❤️
I look forward to hearing from you 🥰


Octopus suspends withdrawals from IHT scheme shared from FT AdvisorOctopus suspends withdrawals from IHT schemeA spokesp...
31/08/2026

Octopus suspends withdrawals from IHT scheme shared from
FT Advisor

Octopus suspends withdrawals from IHT scheme
A spokesperson for Octopus said that its job is to deliver long-term outcomes which sometimes means taking decisions that are inconvenient in the short term

Octopus has suspended both applications to, and withdrawals from, its inheritance tax scheme, Fern Trading, with advisers calling out business relief products

Explaining this decision, a spokesperson for Octopus said that its job is to deliver long-term outcomes which sometimes means taking decisions that are inconvenient in the short term.

“We are currently progressing a potential transaction involving part of the Octopus Inheritance Tax Service portfolio which, if completed, could be an important positive step for investors and the long-term outlook for the portfolio,” they stated.

“The transaction could have a material impact on value, but the ongoing nature of the discussions means it is not currently possible to determine the valuation impact accurately.

“As a result, we have decided to temporarily pause trading for up to approximately six to eight weeks. Put simply, we don’t believe it would be fair for some investors to buy or sell at a price that doesn’t reflect the true value of what they hold.”

Despite this pause, the spokesperson said Octopus remains focused on actively managing the portfolio, taking decisions that create long-term value and communicating openly as things develop.

N2 Asset Management Limited director, Eugen Neagu, has said the move demonstrates that in certain circumstances, investors or their executors may be unable to access funds when required

In response, Neagu said: “Octopus claims the suspension was needed because a transaction involving part of the underlying portfolio made it difficult to establish a fair valuation.

“For clients and their financial adviser agents, the key lesson is that Business Relief (BR) investments are a very high-risk investment.”

“Unlike many trusts or gifting strategies, apart from carrying investment risk, they also carry valuation risk, concentration risk and liquidity risk. As a result, they are better avoided.”

Neagu also stated that he expects that the Financial Conduct Authority will look into how these investments are promoted.

“There could be cases of breaching the new customer duty rules, which request financial advisers to put the client’s interests above their own,” he suggested.

Meanwhile, Roxton Wealth practice principal, Nouran Moustafa, suggested that the suspension itself is not necessarily the red flag but pretending an unquoted investment offers bank account-style liquidity would be.

“If a major transaction could materially change Fern’s value, pausing transactions rather than allowing investors to buy or sell at a potentially inaccurate price is sensible,” she explained.

“But it is also a very real reminder of what investors are buying. Business relief investments can be extremely useful for estate planning, but they are not cash accounts and liquidity should never be assumed.”

Moustafa added that, for advisers, the question is not simply whether the tax planning works, but whether the client could cope financially and emotionally if access to that capital suddenly disappeared for several weeks.

In response, the Octopus spokesperson stated: “Business Relief qualifying investments are clearly disclosed as higher-risk investments in unlisted companies and, by their nature, are less liquid than investments traded on a public stock exchange.

“We agree they should not be viewed as cash accounts. However, access to capital remains an important feature that differentiates Business Relief qualifying investments from many other inheritance tax planning solutions.

“We recognise that circumstances can change and some investors may need access to their funds, which is why we have established processes to support withdrawal requests where possible.

“While liquidity cannot be guaranteed, supporting investors who need access to capital remains an important part of how these products are managed.”

[email protected]

Beautiful sunrise this morning 🥰
30/08/2026

Beautiful sunrise this morning 🥰

Just be kind ❤️❤️❤️❤️Nobody knows what others are dealing with 😢I hope you’re all having a fabulous if damp bank holiday...
30/08/2026

Just be kind ❤️❤️❤️❤️

Nobody knows what others are dealing with 😢

I hope you’re all having a fabulous if damp bank holiday 🥳🥳

12 Ways You Could Be Breaking the Law in Your GardenThink your garden is your own private patch? Think again. From trimm...
29/08/2026

12 Ways You Could Be Breaking the Law in Your Garden
Think your garden is your own private patch? Think again. From trimming trees and hedges to putting up a shed or using a hot tub, there are several ways everyday gardening jobs could land you in a dispute with the neighbours – or even in legal trouble.
There’s always something to do in the garden, particularly during the summer months. But before you reach for the chainsaw, hammer or hedge trimmer, it’s worth checking whether your plans could break the rules.
“Many homeowners and tenants are unaware of where the legal boundaries lie when it comes to their gardens,” says Anna Thunstrom, head of home insurance at Saga.
“Taking action without checking the rules could lead to neighbour disputes, compensation claims, legal costs and, in some cases, substantial fines or even prosecution.”
So, what should you watch out for?
12 ways you could be breaking the law in your garden
1. Cutting down or pruning a protected tree
Before you start cutting, check whether the tree is protected.
Trees covered by a Tree Preservation Order (TPO) or located in certain conservation areas may require permission from your local council before any work is carried out.
Carrying out unauthorised work on a protected tree can result in a substantial fine, so always check the tree’s status first.
And remember, moving plants when you move house isn’t always straightforward either. Certain plants are subject to restrictions, so check the rules before digging them up and taking them with you.
2. Cutting back your neighbour’s tree
Overhanging branches can be frustrating, particularly when they block sunlight or drop leaves into your garden. But you shouldn’t simply reach over the fence and start cutting.
In some circumstances, you can trim branches or roots that cross onto your property, but you must not trespass onto your neighbour’s land to do so. You also need to take care not to damage the tree.
The safest approach is to speak to your neighbour first and agree what should be done.
If you can’t resolve the issue between yourselves, mediation or legal advice may help. If you have legal expenses cover as part of your home insurance, you may also be able to access legal support.
Top tip: Never cross the boundary to carry out tree work without permission.
3. Trimming a neighbour’s hedge
The same principle applies to hedges and other vegetation that crosses your boundary.
You can generally cut back growth that has crossed onto your property, but you should stay on your side of the boundary and avoid causing unnecessary damage.
Before cutting, check exactly where your boundary lies. If it isn’t clear, your property documents or Land Registry information may help.
And if you remove branches, roots or other growth belonging to your neighbour, don’t simply throw it back over the fence. Speak to them about how they would like it dealt with.
4. Cutting your own hedge during nesting season
Even if a hedge is entirely yours, wildlife law still applies.
Birds often nest in hedges, and intentionally damaging or destroying an active wild bird’s nest, or harming birds or their eggs, can be an offence.
Always check carefully for active nests before trimming. If you find one, postpone the work until the nest is no longer in use.
This is particularly important during the main breeding season, generally considered to run from March to August, although nesting can occur outside these months too.
5. Planting an invasive species
Not every plant belongs in the garden.
Certain invasive non-native plants are subject to legal restrictions because they can spread rapidly and cause damage to other gardens, buildings and natural habitats.
Japanese knotweed is one of the best-known examples.
You should never intentionally plant or encourage the spread of a listed invasive plant. If you already have one on your property, check the current rules for managing and disposing of it rather than attempting to tackle the problem yourself without advice.
Different rules can apply depending on where you live, so check the relevant government guidance before taking action.
6. Planting a tree too close to your neighbour’s property
Planting a tree may seem harmless when it’s a small sapling, but remember that it could eventually become much larger.
A mature tree can affect sunlight, views and neighbouring property, potentially creating disputes.
Claims relating to a ‘right to light’ can be legally complex, and they don’t simply mean that a neighbour automatically has a right to sunlight being blocked by a tree.
The best way to avoid problems is to think carefully about the tree’s eventual size and position before planting. Keeping larger trees well away from neighbouring windows and boundaries can help prevent future disputes.
7. Using your hot tub late at night
A hot tub might be the ultimate way to relax in the garden, but your neighbours may not feel quite so relaxed if they can hear it late into the night.
The hot tub itself will not normally require planning permission, but installation work can cause temporary disruption. If contractors need access through neighbouring land, make sure you have permission before they enter.
Noise from pumps, bubbles, music or late-night use could also become a nuisance if it is excessive or occurs at unreasonable times.
If you regularly use your hot tub, particularly late at night, be mindful of the noise travelling beyond your garden.
The same applies to garden parties, power tools, lawnmowers and other noisy activities.
8. Building a shed or garden room without checking planning rules
A shed, summerhouse or garden room might look like a straightforward addition, but some structures require planning permission.
Certain garden buildings can fall within permitted development rights, provided they meet specific conditions relating to factors such as their size, height, location and intended use.
Larger or more substantial structures may require formal planning permission.
Before starting work, check the latest planning rules that apply to your property. This is especially important if your home is listed or in a conservation area.
Unauthorised development can result in enforcement action and, in serious cases, prosecution and significant financial penalties. You could also face the cost of putting the property back as it was.
9. Putting up a fence without checking the boundary
Few things cause neighbourly disagreements quite like fences.
Before replacing or installing one, establish exactly where your boundary lies and check which boundary features you are responsible for maintaining.
Your title documents may provide useful information, although boundary disputes can be complicated and plans do not always give the complete picture.
If contractors need to enter your neighbour’s garden, ask permission beforehand and agree how access will work.
It’s also worth discussing the design, height and appearance of a replacement fence before work begins. A quick conversation could prevent a much bigger dispute later.
10. Taking fruit that falls into your garden
An apple falling from your neighbour’s tree and landing on your lawn might look like a free snack, but falling fruit doesn’t automatically become yours.
Fruit remains the property of the tree’s owner, so don’t assume you can simply pick it and keep it.
The same principle can apply to flowers and other items that naturally fall from a neighbour’s plants.
If fruit lands in your garden, the neighbour may ask for it back. The easiest solution is usually to return it or agree between yourselves what should happen.
11. Installing CCTV that overlooks your neighbours
Security cameras can be an excellent way to protect your home, but you need to consider privacy too.
If your CCTV captures areas beyond your property, such as a neighbour’s garden, driveway or home, data protection and privacy obligations may apply.
Position cameras carefully so they capture only what is necessary, and make sure you understand your responsibilities before installing them.
It’s also worth speaking to your neighbours. Letting them know where cameras are positioned can help prevent misunderstandings.
The same privacy concerns can arise from other garden additions, such as elevated platforms, garden rooms or trampolines that provide a direct view into a neighbouring property.
12. Burning or dumping garden waste
Garden waste can quickly pile up, but burning it or dumping it where you shouldn’t could get you into trouble.
Composting is one option, while many local councils offer garden waste collection services.
You should never simply tip garden waste somewhere else or throw it over the fence. Doing so could amount to littering or fly-tipping and may result in a fine.
The same applies to fallen leaves from a neighbour’s trees. Even if they cover your garden, you shouldn’t simply sweep them back over the boundary.
How to avoid a garden dispute with your neighbours
The simplest way to stay on the right side of the law is often to communicate before starting work.
Before cutting a tree, replacing a fence, installing a large structure or carrying out noisy garden work, speak to your neighbours where appropriate.
It’s also worth checking your property documents, planning requirements and any relevant local restrictions before you begin.
If a disagreement does arise, try to resolve it informally in the first instance. Mediation can also be useful where communication has broken down.
And remember that garden insurance can provide valuable protection against certain types of damage, while legal expenses cover may provide access to legal advice where it is included in your policy.
A little preparation can go a long way – helping you enjoy your garden without turning a simple weekend project into a neighbourly nightmare.

Address

Bishops Lydeard
SOMERSET

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441458555013

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