- Care fees planning
- Corporate financial planning
- Funding your retirement
- Inheritance tax mitigation
- Investment management
- Support for accountants
- Support for legal professionals
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We can help you plan and give you reassurance when the challenges increase.
Investments
Immediate Care Annuities are an important consideration but not an automatic choice for everyone. They are insurance-based products and Carers should also consider, if possible, to produce the funding by re-organising existing resource.
In normal circumstances a decent monthly return which generates better interest than bank deposits, should be available without taking undue risk.
Ultimately the decision to self fund or not, will be a balance between future life expectancies versus the depletion of an individual’s capital. There are a number of calculations to be completed before the appropriate option is chosen. We have the qualifications to help and if you contact us we would be delighted to assist.
There is of course, a middle road. Sometimes a combination of the two methods provides the most suitable outcome. Whatever the final choice, we recommend that Carers should at least obtain the ICA quotes so they can make an informed decision and, at that time, Inheritance Tax implications should also be considered. Finally, understanding all the implications of following one course over another is paramount and the position should be reviewed at least annually (more often, if investments provide the income that is needed).
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The value of investments and income from them may go down. You may not get back the original amount invested.