Entering later life

As you approach later life, you will be looking for security, certainty and peace of mind.

While longer average life expectancies mean you will want to ensure you have enough in the pot to enjoy an active retirement for as long as possible, it’s also important to factor in your possible later life needs when working out your long-term plans.

As with all transitions, knowing you have made well-thought-out, fully informed decisions takes away anxiety. And knowing there is a plan to cover a wide range of scenarios in the future allows you to continue to enjoy your life today.

How we help

Estate planning

There are lots of issues to consider when planning the transfer of your wealth. By working with a Chartered Financial Planner, you know you’ll receive first class technical advice on issues such as maximising tax savings, writing a will and utilising trusts to transfer assets. But our work with clients isn’t just about numbers on a spreadsheet; it’s about ensuring your wishes are understood and those you care about continue to be provided for in just the way you’d want even after you are gone.


Seeing younger generations benefit from your wealth can be a wonderful , life-affirming experience, whether it's through help getting on the housing ladder, or a contribution to private education or university fees. For this reason, many people choose to gift during their lifetime rather than transfer wealth in a will. We’ll guide you through the possibilities and help you understand both the tax benefits and whether it’s the right path for you and your cherished ones.

Inheritance tax planning

If your estate is worth more than the nil band rate, you will usually have to pay inheritance tax. However, with careful planning you can ensure more of your wealth goes to those you love and they benefit in even greater ways.

Planning for your later life needs

Later life care funding can be a particularly complex issue. We’ll walk you through your options, explore which feel right for you and your loved ones and help you plan ahead to ensure the funding implications of your choices aren’t a reason to worry.

Please note, the Financial Conduct Authority does not regulate Inheritance Tax and Estate Planning.

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