Realising that you or a loved one may need long-term care is never easy. Alongside the emotional impact, there are important financial decisions to make, often quickly and with lasting consequences. At JPA Financial Planning, we provide specialist long-term care financial advice to help you understand your options, protect your assets, and ensure the cost of care is manageable both now and in the future.

Whether you are planning or responding to an immediate need, our focus is simple: to give you clarity, structure, and confidence at a time when it matters most.

What is Long-Term Care Financial Planning?

Long-term care financial planning involves structuring your finances to cover the cost of care, either at home or in a care home, while protecting your wider wealth and family interests. This includes understanding how care fees are assessed, what support may be available, and how to create a sustainable income strategy.

Without a clear plan, care costs can quickly erode savings. With the right advice, you can make informed decisions that balance quality of care with long-term financial security.

Specialist Later Life Advice You Can Trust

At JPA Financial Planning, long-term care advice is supported by specialist expertise in later life planning. Peter Moore is a fully accredited senior adviser with the Society of Later Life Advisers (SOLLA), a recognised organisation dedicated to raising the standards of financial advice for older people.

SOLLA accreditation demonstrates advanced knowledge in areas such as care funding, later life financial planning, vulnerability, and the complexities surrounding ageing. For clients and their families, this provides reassurance that advice is being delivered with a specialist understanding of the financial and emotional considerations involved in long-term care planning.

This means you can expect:

• Specialist guidance tailored to later life needs
• A clear understanding of care funding rules and options
• Advice designed to balance quality of care with financial sustainability
• Support delivered with sensitivity, clarity, and experience

How We Help

We provide tailored care fees planning advice based on your personal circumstances, helping you navigate complex decisions with confidence. Our approach includes:

• Assessing how long-term care costs may impact your finances
• Identifying the most efficient way to fund care fees
• Reviewing pensions, investments, and property as part of your strategy
• Exploring options for guaranteed income to cover care costs
• Ensuring your plan remains flexible as your needs evolve
• Working alongside trusted legal and care specialists where required

Our goal is to ensure your finances are structured to support the level of care you want, without unnecessary financial pressure.

Protecting Your Legacy

For many families, long-term care planning is not only about funding care today, it is also about protecting the legacy you want to leave behind. Without careful planning, care fees can have a significant impact on the value of your estate and the wealth passed on to future generations.

We help clients structure their finances in a way that considers both immediate care needs and long-term estate planning objectives. This may include:

• Preserving assets for spouses, children, or other beneficiaries
• Reviewing inheritance tax considerations as part of your wider plan
• Creating sustainable income strategies to avoid unnecessary depletion of capital
• Ensuring wills and legal arrangements align with your wishes
• Balancing quality of care with intergenerational financial planning

By taking a joined-up approach, we help you make informed decisions that support both your future wellbeing and the financial future of your loved ones.

Key Considerations for Long-Term Care

When planning for care, there are several important questions to address:

• How will you pay for long-term care?
• Will you qualify for local authority funding or NHS support?
• What assets are included in a care fees assessment?
• Should you consider care at home or a residential care setting?
• How can you protect your partner or family’s financial position?
• Do you have appropriate legal arrangements in place, such as Powers of Attorney?
• How can you preserve wealth for future generations?

Understanding these factors early allows you to make proactive, rather than reactive, decisions.

Why Early Planning Matters

The cost of long-term care in the UK can be significant, and funding rules are often misunderstood. Taking advice early gives you more control over how your assets are used and can help:

• Preserve wealth for you and your family
• Protect the value of your estate
• Avoid unnecessary tax or financial inefficiencies
• Provide certainty through structured income solutions
• Reduce stress during an already difficult time

By planning ahead, you can focus on what matters most, ensuring the right care is in place while maintaining control over your financial future.

A Joined-Up Approach

Long-term care planning doesn’t sit in isolation. It forms part of your wider financial plan, including retirement income, estate planning, inheritance tax planning, and intergenerational wealth considerations. We take a holistic view to ensure every decision supports your broader financial goals.

Where needed, we work with carefully selected third-party specialists, including legal professionals and care providers, to ensure you receive well-rounded support.

Speak to a Long-Term Care Specialist

If you are starting to think about long-term care, for yourself or a loved one, getting clear, expert advice early can make all the difference. Our team is here to guide you through your options and help you put a plan in place with confidence.

Will writing and Powers of Attorney involve the referral to a service which is separate and distinct to those offered by JPA Financial Planning and are not regulated by the Financial Conduct Authority.

Where appropriate, we may introduce you to third-party care specialists or comparison services. These services are separate and distinct from those offered by JPA Financial Planning and are not regulated by the Financial Conduct Authority.