We understand the emotional upheaval and stress felt by those who need to find and fund care; either for themselves or for loved ones. If you’re working out how to pay for long-term care, one of our independent financial advisers can offer unbiased expert care fees planning advice. Unlike advisers who are tied to particular providers, our specialist care fees advisers can offer advice on products from across the market to find the best deal for you.

Many of us are looking forward to a long and healthy retirement, but the statistics suggest a high probability of needing some form of care in later life. Whilst it may not be a priority whilst you or your loved one is fit and well, there are huge benefits of getting advice on funding care fees sooner rather than later. Professional care fees advice at an early stage can be invaluable and we can assist you to review the options available to help fund care and minimise the impact of long term care fees.

Beyond retirement, many of us will face the challenge of how to fund the cost of care being provided either at home or in a care home. There’s much confusion around what financial assistance is and isn’t available. We’ll explain the rules relevant to your own situation and ensure you receive any benefits you’re entitled to.

Putting any relative into care is emotionally upsetting, stressful and expensive. This is often made worse by the complex set of rules surrounding whether you have to pay for care. We have the expertise to help you understand what you should be entitled to and advise you on

Checking entitlement to free NHS Healthcare and Local Authority Funding
Claiming State benefits
Understanding how quickly fees can increase and erode savings
Tax efficient ways to cap costs including care fee annuities

Our specialist adviser will help you find a way to fund long-term care that is:

Suitable for your needs
Affordable both now and in the future
Compatible with your attitude to risk and financial priorities

Our main objective is to find a way for you to meet the cost of care fees so that you can receive the care you require without worrying about running out of money. Of course, this isn’t always possible, but there are certain steps that can be taken to make your capital go further. Your financial arrangements can be organised in a variety of ways and sometimes the best approach can be a combination of options.

In many cases, people express a desire to leave an inheritance to their loved ones as well as pay for care, and we take all of this into account. We consider how best to meet the full care costs from all appropriate financial products including those designed specifically for this purpose such as immediate needs annuities and incorporating the flexibility required to meet any further changes in care needs. We will also look at other solutions that include investments, inheritance tax planning and property schemes designed to provide funds to pay for long-term care.