later Life Financial Planning

AS WE GET OLDER, OUR LIFESTYLE AND PRIORITIES CHANGE, AND THAT’S WHY PLANNING AHEAD AND MAKING SUITABLE ARRANGEMENTS IS ONE OF THE KEYS TO A HAPPY AND SECURE POSITION LATER IN LIFE.

FACTORS LIKE GRANDCHILDREN, RETIREMENT AND PERSONAL HEALTH ALL INFLUENCE OUR REQUIREMENTS, AND THOSE ARE THE KIND OF THINGS OUR SPECIALIST ADVISERS WILL DISCUSS BEFORE MAKING THEIR RECOMMENDATIONS.

At Active, we’ve already helped many satisfied clients prepare for later life by setting in place financial arrangements that cater for their personal needs and aspirations. As always, we use our expertise, independence and flexibility to create highly tailored solutions that match the individual, never cutting corners by settling for an off-the-peg quick fix.

With the whole of the financial services market available to us, and Chartered Financial Planner status to back up our work, no other team is better placed to look after your financial future. We will also consider your tax position to ensure our recommendations are the most tax efficient solution for you.

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.

Information sheet

Call us today

01642 765957

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

Get in touch