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Long Term Care

Care Planning

Long Term Care expert advice can provide peace of mind to those needing care and to their family.

Please contact us for advice in choosing the most suitable Long Term Care options to suit your needs.

Often as a result of old age and its associated problems, expert advice is crucial should a person need to pay for care, although age is not always a determining factor in needing Long Term Care.

Meeting the cost of care in old age is a growing issue for many people in the UK.

You may find it useful to read a beginner's guide on Long Term Care to find out how much you might need to pay and what help you can get:

Beginner's guide to Long Term Care (Money Advice Service) »

Funding Care Fees

Financial Planning for the elderly has many strands for example: when to draw private pension benefits and in what form, whether an equity release scheme might be useful to provide cash and how to protect future inheritance. However one of the biggest considerations is in relation to care funding and availability of NHS and local authority support.

The options for funding Long Term Care are varied and can often be complicated. Should you or a loved one need to pay for care at home or in a care home, it's important to know the facts. By considering the following areas using our expertise, we can assist you with the funding of Long Term Care:

  1. Is your existing income sufficient?
  2. Can you increase your income? We can assist in rearranging investments in a tax efficient manner
  3. Advice on downsizing and/or equity release (if being cared for in your own home)
  4. Assisting with a possible purchase of a long-term care immediate needs annuity (and the tax benefits with that) is something we can also help with (guide to care fee payment plans »)

Tax Planning is not regulated by the Financial Conduct Authority

Mortgage Pensions and Investments Limited Liability Partnership is authorised and regulated by the Financial Conduct Authority (
Financial Services Register No: 454273

Mortgage Pensions and Investments LLP
Registered Address:
88 East Hill, St Austell, Cornwall, PL25 4TR
Registered in England and Wales, No. OC319405

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK
Decisions should not be taken based solely on the content of the website and individual advice should be sought first.
Regulations, levels and bases of taxation are subject to change.