Living longer is great and a reflection on the many advances in health and medical care. That also means many of us will at some point need help during our retirement. In our twilight years we will probably require some assistance doing daily tasks and living as independently as possible.

The help on offer can take many forms. Without a financial plan, however, making use of care services can take a substantial amount from your retirement savings or income. Your health and wellbeing are the priority, but you might have had other plans for your hard-earned wealth.

By factoring potential long-term care costs into your retirement and inheritance planning, we can help to take the ‘unexpected’ out of the equation. This means that you can enjoy your retirement doing exactly what you choose - in the company of your family and friends.