Later life and long-term care planning

The needs of the older generation are as varied and individual as people themselves, and the solutions to these needs will be just as wide-ranging.

Being prepared

Caring for older loved ones or needing care yourself can be complicated and emotionally challenging. Our financial advisers can guide you on the best possible route for later life and long-term care.

One route may be investing. A well-structured investment portfolio can be a reliable way of generating income, with the expected returns offsetting some of the costs of care. It ensures that your money is working harder than keeping it as cash, and can deliver a more gradual reduction in your capital.

An alternative route is protection with an Immediate Needs Care Plan. This effectively provides a guaranteed income for life, which is tax-free if it is paid directly to a registered care provider. This can help to cap the costs of care and protect your remaining capital, which can be beneficial if you want to be able to pass on wealth to your loved ones.

Calculating the costs
We’ll calculate how much money will be needed for long-term care, and when it will be needed.
Setting up Wills and POAs
Working with solicitors, we’ll help ensure trusted friends and family can make decisions on your behalf, and that your wealth is passed on as you wish.
Navigating the system
Working with trusted partners, we can support you with understanding the care system, review state benefits, and undertake financial assessments.

Our other services

Pension planning

Pension planning is fundamentally about retirement planning. Our expert financial advisers can help ensure that your pension will provide you with the income you’ll need in retirement.
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Investment planning

Our investment expertise is central to our financial advice offering. We fully appreciate the significance of what you entrust us to do with your wealth and we never take that for granted.
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In retirement planning

Our advisers can help you use the right blend of secure and flexible income to fund your retirement, and leave a legacy for your loved ones.
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Inheritance Tax and estate planning

Our advisers can help you navigate the UK’s complicated and changing tax regulations, so that those who benefit from an inheritance will only pay the necessary amount of tax.
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Protection and insurance

We insure our cars, homes, holidays, and even our pets! Our advisers can help you find the right type of insurance to protect your family should the worst happen.
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Tax optimisation

Tax rules in the UK are amongst the trickiest in the world. They are very complicated and change often. Our advisers can make sure you only pay the necessary amount of tax due.
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