Long-term care and estate planning

Ensuring you are passing on your wealth to the next generation as effective as possible.

With allowances fixed, more estates are now being impacted by Inheritance Tax through fiscal drag. This may not have been a need for you or your estate previously, but this is something you may want to seek advice around.

You may be considering passing on your wealth to the next generation but there are various factors you need to consider to make this effective.

We are all living longer which increases our risk of poor health at some stage in our lives which could result in a care need arising. The financial implications for needing care over a sustained period of time can result in your estate value becoming heavily depleted.

We know you have worked incredibly hard to accrue the wealth you have and now may be the appropriate time to take steps to either preserve your estate or make provision for care.

Our working relationships enable you to have control of the results

Learn

We will gather detailed information about your financial goals and needs to create a tax-efficient retirement income plan, maximising your allowances and helping your funds last longer.

Evaluate

By thoroughly assessing your needs for later life, we can identify solutions to ease the financial burden of care. Additionally, we will review your estate planning needs to ensure comprehensive protection.

Inform

We’ll provide detailed solutions to protect your estate, informing you about strategies to reduce tax liability and maximise the inheritance you pass to your family and friends.

Solutions

Our recommendations will be tailored investment solutions, including tax-efficient retirement plans, care support in later life, estate protection, and holding important documents electronically to ease the burden on your loved ones.

How we can help

Long-term care planning

On a national scale, the need for long-term care is increasing, and if not adequately prepared for it, it can place high levels of pressure on both the individual and their support network.

Often, this is an area we do not come across unless there is a personal need; this, combined with the vulnerability of the individual, whether this be yourself or someone you are offering support to, means there are several unknowns.

If this is an area that concerns you for the future, get in touch. We can discuss the available solutions to ensure your peace of mind and secure your well-being should care needs arise.

Estate Planning

With inheritance tax receipts on the rise, taking necessary steps to preserve estate values for future generations is becoming increasingly prominent in the financial planning process. There are several options available to clients which have different levels of access, control, and risk attached to them, which your position may be able to benefit from.

To help secure your legacy, contact us.

Our latest thinking

Pensions and ISAs

In this article, we will examine the benefits of each, potential drawbacks and how both can be used effectively.

Preparing for Retirement: Are you ready?

We provide some questions you should ask yourself to help you prepare for retirement.

Financial advice outlook for 2025

We emphasise the significance of proactive financial planning in adapting to new legislation to ensure long-term financial stability.

Tax year end housekeeping

With the tax year end rapidly approaching we provide our key points to ensure where possible you are making most of the allowances available to you.

The Value of Financial Planning

We look at some of the expected and unexpected outcomes from engaging with a Financial Planner through ‘structural benefits’ and ‘wellbeing benefits’.

Assessing your financial health

The new year is a great time to reassess where you are financially. Please do review our key pointers to see how ‘healthy’ your financial position is

Pensions and ISAs

In this article, we will examine the benefits of each, potential drawbacks and how both can be used effectively.

Preparing for Retirement: Are you ready?

We provide some questions you should ask yourself to help you prepare for retirement.

Financial advice outlook for 2025

We emphasise the significance of proactive financial planning in adapting to new legislation to ensure long-term financial stability.

Tax year end housekeeping

With the tax year end rapidly approaching we provide our key points to ensure where possible you are making most of the allowances available to you.

The Value of Financial Planning

We look at some of the expected and unexpected outcomes from engaging with a Financial Planner through ‘structural benefits’ and ‘wellbeing benefits’.

Assessing your financial health

The new year is a great time to reassess where you are financially. Please do review our key pointers to see how ‘healthy’ your financial position is

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Case studies

Financial planning advice on how to best position your investment to generate an income in retirement.

Our case studies below demonstrate how we can work with you, to help secure your financial future, select one of our case studies to find out more.

Foundation

Financial Planning advice for a simplified financial journey to help establish strong foundations for future financial success.

Core

Financial advice for when your planning needs have evolved to encompass increased complexity when establishing your financial strategy.

Premium

Advice for complex, high-net-worth financial circumstances that can require sophisticated solutions to help achieve your financial goals.

Let us know your enquiry and we’ll be in touch.

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Disclaimers

Crowe Financial Planning UK Limited is authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide independent financial advice.

The information set out in this page is for information purposes only and is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. It does not constitute advice to undertake a particular transaction. Appropriate professional advice should be taken on specific issues before any course of action is pursued. Any advice provided by a Crowe Consultant will follow only after consideration of all aspects of our internal advice guidance.

Past performance is not a guide to future performance, nor a reliable indicator of future results or performance. The value of investments, and the income or capital entitlement which may derive from them, if any, may go down as well as up and is not guaranteed; therefore, investors may not get back the amount originally invested.

The Financial Conduct Authority does not regulate Trusts, Tax or Estate Planning.

Please be aware that by clicking onto any links to third party websites you will be leaving the Crowe Financial Planning website. Please note that Crowe Financial Planning is not responsible for the accuracy of the information contained within the linked sites.