Nobody’s later years should be blighted by money worries, but anxiety over whether you can afford a ‘good’ retirement and pay for care and support if it’s needed, can cause real worry.

We always tailor our support to the specific needs and concerns of each client. But for clients in their 80s and 90s, those often include:

We always tailor our support to the specific needs and concerns of each client. But for clients in their 80s and 90s, those often include:

  • Getting financial paperwork organised
  • Later life care funding
  • Equity release and other property options
  • Achieving tax efficiency 
  • Estate planning and wealth transfer

We will help you think about your own future, helping you to make sense of your finances and understand how to maintain and protect a comfortable standard of living. 

We’ll also help you identify what you want from the next years of your life and how much money you will need to achieve it.

We’ll tell you what you need to know about saving for later life care and explore your options, giving you back a sense of control over an issue that often causes stress.

And we’ll help you think about the future of those you love by addressing issues around Inheritance Tax, estate planning, gifting and Trusts, to ensure your wealth is passed on in the way and at the time you want.

Clients ask us..

How will I fund later life care if I need it?

Later life care funding is a particularly complex issue. But as with all things, it pays to make plans and put the thought in early. We’ll walk you through what you need to know and help you make sense of your options so you can make an informed choice.

I’ve been widowed. I don’t know where to start with my finances.

If you’ve recently been widowed, tackling financial matters can feel like an overwhelming task. We provide gentle support to help you make sense of your finances now, plan for the years ahead and feel more confident in your ability to manage your money going forward.

Should I be gifting money to my children/grandchildren now or leave it in a will?

Watching your loved ones reap the benefits of gifts made within your lifetime can bring real joy. But you need to be sure it won’t leave your struggling to maintain your own standard of living. We can crunch the numbers for you and explain the tax benefits of gifting.

Should I be downsizing?

Whether or not to downsize is an emotive issue, and not one that can be taken on pure numbers alone. We’ll explore all the options and the implications of each with you, to help you make the decision that’s right for you.

Benefits of financial planning in your 80s and beyond

The definition of a ‘good retirement’ will be personal to you! But financial planning will help you:

  • Live your life to the full now, while ensuring your future standard of living is protected
  • Plan for later life care, should you need it
  • Plan your estate
  • Plan for a tax-efficient wealth transfer at a time and in a way that suits you
  • Gain peace of mind and security

Start your journey

Whatever stage of life you are at, we are here to help you achieve your financial goals and gain financial security.

01

Understanding you

02

Planning

03

Implementation

04

Refine

Get in touch

Drop by and we’ll pop the kettle on. Alternatively, send us a message and one of us will be in touch.