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Long Term Care

Care Planning

Long Term Care expert advice can provide peace of mind to those needing care and to their family.

Please contact us for advice in choosing the most suitable Long Term Care options to suit your needs.

Often as a result of old age and its associated problems, expert advice is crucial should a person need to pay for care, although age is not always a determining factor in needing Long Term Care.

Meeting the cost of care in old age is a growing issue for many people in the UK.

There are many options for funding long-term care and they can often be complicated. So if you or a loved one need to pay for care at home or in a care home, it’s important to know the facts. You may find it useful to read a beginner's guide on Long Term Care to find out how much you might need to pay and what help you can get:

Beginner's guide to Long Term Care (MoneyHelper) »

Funding Care Fees

Financial Planning for the elderly has many strands for example: when to draw private pension benefits and in what form, whether an equity release scheme might be useful to provide cash and how to protect future inheritance. However one of the biggest considerations is in relation to care funding and availability of NHS and local authority support.

The options for funding Long Term Care are varied and can often be complicated. Should you or a loved one need to pay for care at home or in a care home, it's important to know the facts. By considering the following areas using our expertise, we can assist you with the funding of Long Term Care:

  1. Is your existing income sufficient?
  2. Can you increase your income? We can assist in rearranging investments in a tax efficient manner
  3. Advice on downsizing and/or equity release (if being cared for in your own home)
  4. Assisting with a possible purchase of a long-term care immediate needs annuity (and the tax benefits with that)

It can be worth seeking financial advice to understand how best to fund long-term care. We would be happy to guide you through any options.

Tax Planning is not regulated by the Financial Conduct Authority

Managing Investments

Income is a priority. I want to make sure my investments are generating as much as possible. I need my investments and income to keep up with inflation in both the short and long term.

Inheritance Tax Mitigation

It's important to make sure you aren't paying more tax than you need to. Taxation can be very complicated and the rules, reliefs and allowances often change. This is where we can advise you.

Pensions and Retirement

I need some good mortgage advice when considering which mortgage is best for me. I would like someone to explain the various interest rate options that are most likely to suit my needs.

Family Protection

I would like to secure my family's financial future and pass on any of my remaining wealth. I need help with protecting my assets whilst still leaving provision for a comfortable retirement.