Atwoods Limited: 01372 459777

G C Stevens: 01932 820444

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Later Life Advice

What is Later Life Advice?

Typically, for clients who are 'retired' who may need advice on estate planning, care fees, equity release or advice on their pensions and investments. Our aim is to guide you safely through the complexities of later life, providing advice, information and solutions to all your later life financial needs.

Why is later life advice so important?

People are living longer and looking closer at their retirement and whether they'll have enough funds. Many people in later life have been as affected if not more by the current economic downturn as anyone else.

Managing your finances for later life is as important as it has ever been. We're here to help you manage the maze of options and products available to you.

You may need to spend some time considering retirement planning advice and we can help you do this.

Retirement Planning advice for later life:

  • Equity Release - if you are a homeowner and aged 55 or over you can use your home, as a way to boost your income in retirement. You can do this by releasing the equity locked in your property and releasing it as a lump sum.

    To understand the features and risks of an Equity Release Scheme please ask for a personalised illustration.

  • Downsizing - A smaller property with less maintenance costs that is more suited around your new lifestyle might make sound financial and practical sense.

  • Annuities - an annuity allows you convert your pension savings into a regular, guaranteed income during your retirement. An annuity could assist you in enjoying your later life safe in the knowledge that you have regular payments each month to pay for your living costs.

  • Inheritance Tax Advice - Inheritance Tax Planning and quality Inheritance Tax advice could help you pay less tax on your estate. If there will be Inheritance Tax to pay once you've gone, then a good way to cut the amount of inheritance tax to be paid is to make the most of gifts and transfers.

  • Lasting power of attorney - it may be necessary to plan for passing on decisions about your finances to the people you love and trust the most. It will give you peace of mind if you are concerned about your future health or ability to make decisions for yourself. It's always a good idea to plan ahead.

  • Wills - it is prudent to look at your will to ensure that your estate is shared between loved ones in the way that you want.




  • LASTING POWER OF ATTORNEY IS NOT REGULATED BY THE FINANCIAL FINANCIAL CONDUCT AUTHORITY.

    EQUITY RELEASE MAY INVOLVE A LIFETIME MORTGAGE OR A HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

    WILL WRITING, TAX PLANNING AND TRUST ADVICE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

    TAX PLANNING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

    TAXATION - INFORMATION IS BASED UPON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEF FROM TAXATION, ARE SUBJECT TO CHANGE.

    TAX TREATMENT DEPENDS ON THE INDIVIDUAL CIRCUMSTANCES OF EACH CLIENT AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

    A PENSION IS A LONG TERM INVESTMENT THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.