Later Life Financial Planning

As we get older, our lifestyle and priorities change, and that is why planning ahead and making suitable arrangements is one of the keys to a happy and secure position laterin life.

Lifetime Mortgages and Equity Release

Lifetime Mortgages and Equity Release schemes involve serious considerations and risks.

As well as sometimes coming with higher interest rates than a normal mortgage, they can often reduce your entitlement to state benefits and grants, and could affect your family’s inheritance too. Having said this, for certain people in certain circumstances, a lifetime mortgage or equity release is a good option: it could help release a lump sum to spend as you like, or enable you to stay in your home for longer.

At Active, we’ll talk to you about this option and the alternatives, making absolutely sure that if you do go ahead with it, it’s for all the right reasons. We’ll explain things clearly and honestly, highlighting the disadvantages as well as the benefits, leaving you perfectly prepared to make the decision that’s right for you.

Lifetime Care

As people enjoy longer lives than ever before, and state healthcare faces an uncertain future, it’s become more important to think about providing for your own long-term health needs.

Our specialist advisers can guide you through the different possibilities and their various pros and cons, covering options like insurance policies, equity release schemes and annuities or immediate care plans.

Your adviser can also talk about the way in which your income or savings will affect your entitlement to state care. It will help you to navigate this complicated issue and arrive at the right solution – one that perfectly balances your need for great care with protecting your income and assets.

Get in Touch

If you would like to find out more about how we can help you, please give us a call or drop us an email.

Phone Us Email Us
Keep up to date

Sign up to our newsletter to keep up with all things Active.

Our culture is key

6th January 2020

With Director & Chartered Financial Planner, Paul Gibson* The German Poet Hanz Magnus Enzensberger once said “Culture is like dropping an Alka-Seltzer into a glass of water – you don’t…

Active adopts the Pensions Transfer Gold Standard

6th January 2020

With Paul Gibson, Director & Chartered Financial Planner* The Gold Standard is a voluntary code of professional standards based on principles of good practice in safeguarded and defined benefit pension…

Active Chairman hands the keys to the next generation

17th December 2019

Active's founder Glyn Pemberton is stepping aside from the day-to-day running of the business and passing the reins onto the next generation. Glyn began his career with Co-operative Insurance Services…