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The value of pensions and investments can fall as well as rise. You may get back less than you initially invested.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

According to The Office for National Statistic's research, “The proportion of the population aged 65 years and over reached 18.2% in mid-2017, compared with 18.0% in mid-2016. In mid-2017 there were just under 12 million people aged 65 years and over, 2.2 million more than 10 years before. The proportion of the population aged 65 years and over has increased by at least 0.1% every year since mid-2008 By 2021” Office for National Statistic, Oct 2018.

There are a number of mechanisms for helping fund Long Term Care and/or protecting your estate against the cost of future care, which include:
§ Immediate needs annuities
§ Pre-funding
§ Investments
§ Insurance
§ Enhanced Annuities
§ Equity Release

Long Term Care can be a complex area of planning and Keystone Wealth Management has the expertise to assist and advise you with this challenging task. We have in-depth knowledge and years of experience of funding care needs, while minimalising the cost burden on your estate and your family.

Click here for the PayingForCare Care Home Cost Calculator

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