Long-term care insurance provides the financial support you need if you have to pay for care assistance for yourself or a family member. This insurance can cover the cost of assistance for those who need help to perform the basic activities of daily life such as getting out of bed, dressing or washing in your own home or in residential care. There are different types of long-term care insurance products available and each must be considered carefully to ensure it fits with your specific needs.

The provision of long term care by the state is complicated and navigating these complexities can be challenging and often stressful. We are on hand to help you arrange your financial affairs to ensure you get your maximum entitlement to state funded long term care provision for you and your family.

Inheritance Tax is often a major concern as increasing numbers of estates exceed the tax threshold. Inheritance Tax can often be reduced or eliminated through proper planning through using gifts, allowances and trusts. Effective tax planning is essential to avoid leaving a substantial tax liability at death, thereby substantially reducing the value of the estate passing on to beneficiaries.

A funeral plan is a way of paying for a future funeral today. With funeral costs rising every year, many people are deciding to take care of their funeral plans and pay for their funeral in advance. The average cost of a funeral in 2004 was £1,920. By 2014 it was £3,609 and by 2034, it’s projected to be nearly £13,000. A funeral plan offers an easy way to pay for your funeral at a cost that’s fixed at current prices. These plans allow you to organise your funeral arrangements in advance, specify your wishes and take care of all the costs. Paying for a funeral plan is usually done by a upfront lump sum or a monthly payment. Whatever method you choose, you’ll know that your funeral is completely paid for and taken care of in advance.