CharterGroup - Twilight years: ages 70 +

The earlier you plan and take action the more effective and easier financial planning becomes.

Older couple enjoying icre creams Twilight years: ages 70 +

Things that may occur:

How we help: Investing for income, private medical cover, Inheritance Tax planning, Long term care funding, trusts for children/ grandchildren.

We are not tied to any Insurance Company, Investment Manager or Bank which means we work for you, and have your best interests at the heart of our service proposition. We can access the whole marketplace to get the right investment for you. We take an in depth view of your attitude to risk, or more specifically loss, and compare what you have to this. We can put together a portfolio of funds/investments to ensure this corresponds exactly to your requirements.

Private medical insurance – such as BUPA for example, we can help you find the best policy for you at the price you can afford. Premiums can be kept to a minimum by agreeing to a high excess, or you can get a policy that will only provide private cover if you cannot get your condition sorted on the NHS within 6 weeks.
Inheritance Tax (IHT) planning – Why not try our calculators to see what the potential IHT may be on your estate, then come and have a chat with us to see how we could mitigate any liability? We can also help you set up the right trusts for your children/grandchildren to safeguard things like your pension or property.
Long Term Care – Whether considering local authority care or private care, getting your estate in order may help maximise the amount you receive in “state funding” and/or protect the family home if you were to need long term care either in your own home or a “Residential Home”. We can show you ways you can legitimately remove certain assets from consideration when it comes to assessing any funding you may be entitled to.

Welcome to CharterGroup Financial Management.