Paying for Care
Worried About Paying for Care? Let’s Make It Simple.
Discover practical solutions to fund care without exhausting your savings.
Why Planning for Care Costs Matters
Care fees are rising faster than inflation. Relying on investments alone can mean running out of money before you need to. I help families find sustainable solutions that guarantee peace of mind.
Kathleen’s Story
Kathleen, aged 91, faced a £32,000 annual shortfall for care home fees. With £300,000 in savings, traditional investments couldn’t guarantee enough income. Here’s what worked:
- Immediate Needs Annuity: £157,657 secured £32,000 per year, paid monthly, and increasing by 5% annually.
- Tax-Free Payments: Income paid directly to the care provider.
- Remaining Funds Invested: For cautious growth.
What Can You Do?
- Compare annuity vs investment strategies.
- Understand tax implications.
- Plan for rising care costs.
Independent, Unbiased Advice
I don’t push one solution over another. My role is to help you make an informed decision. Fees are the same regardless of the option you choose.
Annuity vs Investment
| Feature | Annuity | Investment Portfolio |
| Guaranteed Income | Yes | No |
| Inflation Protection | Optional (e.g., 5% increase) | Market-dependent |
| Tax Efficiency | High (tax-free to care provider) | Taxable |
| Risk Level | Low | Moderate to High |
Ready to Secure Your Future?
Don’t leave your care to chance. Whether for yourself or a loved one, I’ll guide you through every option.
Let’s Talk
If you think I may be able to help, you’re welcome to contact me by phone, WhatsApp, email, or through the online enquiry form. Your initial consultation is at your convenience, at my expense, and without obligation.