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Introducing our John Hodge Chartered Financial Planner team.
As a society, we are living longer, and as a result our finances have to work harder to be able to support us for longer. Balancing the desire to live life to the full whilst also planning to meet the costs of on-going care and protecting assets that will become the inheritance for our families is a challenge.
Our team of financial planners holds a number of specialist qualifications in this field, including Membership of The Society of Later Life Advisers (SOLLA), The Society of Trust & Estate Practitioners (STEP)and Equity Release Council (ERC) and work alongside our legal teams to provide a fully comprehensive and holistic range of advice specifically aimed at clients in later life.
Our later life services include:
Estate Planning
Estate Planning involves maximising the value of your estate and making sure your assets are passed on to loved ones either during your lifetime or on your death. Poor or no planning can at best substantially reduce the amount your loved ones (beneficiaries) receive or at worst compromise your own financial independence and security in later life. Our team of financial and legal experts will work with you to build a plan that is designed to avoid both these scenarios.
Funding ongoing care
Most families faced with a need for care in later life are concerned about the potential cost. Common questions include, if savings run out how will care be funded? will the family home need to be sold? and how do I protect my assets for my family to inherit?
Our team of experts specialise in advising people in later life, their families and any Attorneys or Deputies that might be acting on your behalf. We can guide you through the process advising you on the best options available to you, to plan for and meet the costs of care while still looking after your loved ones in the future.
Inheritance tax planning
Inheritance tax is the tax you pay on your possessions and money (your estate) if the value of your estate exceeds the tax allowances available. Taking action now to plan your affairs can mean that Inheritance tax can be completely avoided or reduced.
Our combined legal and financial approach to inheritance tax planning is often a blend of tax efficient Will drafting, trust arrangements and investments to ensure the transfer of your estate to your loved ones is a tax efficient as possible.
Equity Release
Equity Release can provide a tax efficient regular income, a cash lump sum or a combination of the two for homeowners aged 55 and over. Equity release enables homeowners to access money that is tied up in their property without having to move or downsize. Equity release won’t be right for everyone and so it’s important to speak to equity release experts who can take you through the appropriate solutions based on your situation and your plans for the future.
Next Steps: Get in touch
If you need advice on protecting your wealth, contact the team at John Hodge Financial Planners based at our Weston-super-Mare, Clevedon, Yatton, Bridgwater, Bristol and Wedmore offices.
John Hodge Financial Planners is a trading style of Centurion Wealth Management which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales Number 7001057. Registered Office: Channel Court, 8 Hill Road, Clevedon, Bristol, BS21 7NE
