Unplanned Events

The sad fact about happy marriages and partnerships is that they inevitably end in unhappiness when one partner dies. Facing bereavement is tough, and adjusting to life after the death of your partner can be very hard, in both practical and emotional terms.

There can be an awful lot to think about; there’s often a mountain of paperwork to deal with and many financial decisions that must be made, and if your partner was the one who looked after your joint finances, it can be difficult to know how to proceed. This is where we fit in.

If you need advice on dealing with life insurance policies, investments or pension death benefits, we’re on hand to help. You may also need assistance in finding out how to generate an income from any investments you may have, including those you may have inherited from your partner. It might also be an appropriate time to review your own pension arrangements, including any spouse’s pension you may be entitled to.

Other decisions may follow in time, like downsizing to a smaller, more manageable property with lower overheads. We can draw up a cashflow forecast that can help you get a clear picture of the impact moves like this would have on your overall financial position. We can offer advice on passing money on to your heirs, and planning your finances to reduce the amount of inheritance tax payable on your death.

Whilst it’s good news that we’re all living longer, it will come as no surprise that it’s estimated that one in four of us will, at some point, require care or support in our old age to make our lives easier and more comfortable. We regularly provide advice to those looking for the best way to finance their care, helping them put in place plans that will generate the cash they need to meet care fees or nursing home costs.

We’re on hand to offer help, support and advice. We can review all aspects of your finances, helping you define your financial goals for the future and putting in place plans to meet them.

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