​Later life planning

Healthier living and better access to medical care mean we’re all enjoying longer and more active lives. So, sensible financial planning, practical money management and bespoke legal advice are crucial to help ensure a comfortable future that is financially sustainable over the longer term.

Our approach

Our integrated later life planning service combines planning, advisory and lifelong support – three key sources of help for those in or approaching retirement.

This integrated service is the bedrock of our proposition and is created with you and your family in mind. Our approach includes leveraging our in-house expertise, including estate planners, investment managers, tax and trust specialists and financial planners who specialise in advice on funding long-term care costs.

We also provide managed referrals to respected national organisations that can provide non-regulated information, advocacy and legal advice – all through a single point of access at Smith & Williamson.

How we can help you

  • Cashflow forecasting – looking at the relationship between your assets, income and expenditure, and the shortfall or any excess in a range of different scenarios.
  • Income strategies in retirement – helping to ensure that you have sufficient income over what, for many, may be a 30 to 40-year timeframe.
  • Portfolio investment and management – understanding your attitude to risk and return, and working with you to ensure your investments are appropriate for both your current and future needs.
  • Residential property – advising you on using property to supplement capital/income.
  • Generational wealth transfer strategies – helping you reduce your inheritance tax exposure and make gifts to your heirs during your lifetime should you wish to do so, while protecting your own financial security – including any unexpected future financial demands, such as long-term care fees.
  • Care advice – helping you choose the most appropriate type of care and ensuring it’s within your financial means.
  • Care fees advice – informing you of the different ways in which you can pay for care, and the advantages and disadvantages of each, so that you’re able to choose the option that works best for you and your family.
  • Specialist legal advice – providing access to legal firms with experience in dealing with older people, their families and carers.

Contact us

Sue Faiers profile image
Sue Faiers

Associate Director Bristol +44 (0)117 376 2016

Download a brochure

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