Later Life Financial Planning

Later life brings new opportunities, but it can also raise important financial questions. Whether you are thinking about passing on wealth, reviewing long-term care options, or simply wanting reassurance that your finances will continue to support the lifestyle you choose, our team is here to help.

Our chartered financial planners offer clear, unbiased advice designed to give you confidence, clarity and control over your future.

Later life planning focuses on the financial decisions that become increasingly important from your 50s, 60s and beyond. They may include:

• Protecting your income and assets
• Ensuring your money lasts for as long as you need it
• Planning for potential care needs
• Managing tax efficiently
• Passing on wealth to family in a secure and considered way

Later life planning is about understanding your priorities and creating a plan that supports your independence, lifestyle and peace of mind.

How we can help

1. Planning Your Income in Retirement

We review your pensions, savings and investments to help you understand what is available, how long it may last, and what level of income you could take. Everything is tailored to your needs and may be adjusted over time.

2. Care Fees & Long-Term Care Planning

Care needs can be unpredictable. We help you to explore the options available, understand the potential costs and consider how you may fund future care while protecting your wider financial position.

We do not recommend specific care homes, but we do help you to understand the financial implications.

3. Inheritance & Estate Planning

Many clients want to pass on wealth in a tax-efficient and structured way. We explain the rules around inheritance tax, gifting, trusts and estate planning strategies that may suit your circumstances. Nothing is “one-size-fits-all” but we help you make informed decisions with clarity and confidence.

4. Protecting You and Your Family

Later life planning may include reviewing existing protection, considering your wishes, and ensuring your financial affairs are organised and accessible. We can work alongside your solicitor or accountant to provide a joined-up approach.

5. Simplifying Complex Finances

Over time, people often accumulate several pensions, old investments or savings accounts. We can help to bring everything together, making your finances easier to understand and manage.

Why choose Active Financial Planners for advice on later life care?

Chartered Expertise

Chartered status reflects our commitment to the highest professional standards and ethics. You can be confident that the advice you receive is independent, unbiased and fully aligned with your best interests.

Clear, Honest Guidance

Later life decisions can feel overwhelming. We break everything down clearly, without jargon, so you always understand your options and the potential risks and benefits.

A Personal, Human Approach

We take time to get to know you – your goals, your family and the lifestyle you want to enjoy. Our advice is shaped around what matters most to you.

Independent Financial Planners

Because we are fully independent, we can choose from the whole of the market to find solutions that suit your unique needs – we are not tied to any one provider.

Your next step

Later life financial planning is about more than numbers – it’s about feeling secure, prepared and supported. Whether you are planning ahead for yourself or helping a family member, we are here to provide calm, expert guidance every step of the way.

The Financial Conduct Authority does not regulate taxation and Trust advice