Planning Ahead for Sustainable Long‑Term Care Costs
Care fees can have a massive impact on one’s finances. For a number of years we have been providing advice on long term care planning. We listen to our clients’ concerns and fully explain the options available.
We work with clients, and individuals who hold Powers of Attorney, to assist in arranging fees for care and nursing (which can be very high), and can offer a guaranteed care fees plan.
This, in essence, provides a tax free payment direct to the care home for the remainder of the resident’s life. In addition the payment can be index-linked to allow for any increase in care home fees.
Why Long‑Term Care Planning Matters
The cost of care can escalate quickly, often placing unexpected pressure on personal savings, property, and family finances. Without a clear plan in place, individuals may find themselves making rushed decisions at a time when clarity and support are most needed. Thoughtful long‑term care planning ensures that care needs are met without compromising financial security or personal wishes
Our Commitment to You
Customer Reviews
Jonathan, retired manufacturer
“We have known Andy for upwards of 30 years, and throughout that time we have enjoyed his friendly, helpful advice on all things financial. We rely heavily on his guidance, and we would have no hesitation in recommending him and Spa Wealth.”
David, retired engineer
“I have been advised by Andy for years and have always received clear advice throughout, adapting to my circumstances promptly as they changed over the years. I have no hesitation in recommending discussing your financial needs with Spa Wealth Management.”
Derek, company director
“We’ve been thoroughly impressed with the advice and support provided by Spa Wealth. Their guidance has been clear, professional, and thoughtfully tailored to our individual circumstances, giving us real confidence in our financial planning. We wouldn’t hesitate to recommend their services to others seeking reliable and personalised financial advice.”
Anne, retired teacher
“I could not be happier with the service I receive from Spa Wealth. I have known Andy for many years and have every confidence in him. He is always very professional, provides clear information and options and has delivered very good outcomes. I have no reservations in recommending this service.”
Christian, managing director
“I first contacted Spa Wealth based on recommendations from others. From first contact I was impressed by their professional manner, real world advice and genuine can-do attitude. Andy’s experience shows in the advice he offers. I would be more than happy to recommend them to anyone, and I have.”
Glynn & Kate, retired local government and NHS
“We have known the adviser from Spa Wealth for many years and know that he, and Spa Wealth, provide us with financial advice and support that we both trust and know that we can rely on. We would have no hesitation in recommending Spa Wealth to others.”
Glynn & Kate, retired local government and NHS
“The pension advice and guidance I received from Spa Wealth has enabled me to retire before I thought I would be able to do so! As someone who struggled to understand the world of pensions, the advice I have received has always been clear, concise and prompt, therefore I would be more than happy to recommend Andy and the team.”
Dr B, NHS consultant
“Andy has been my financial adviser for a number of years. I have every confidence in his advice and would highly recommend the services of Spa Wealth.”
Jonathan, construction professional
“Andy has supported our family for a long time and adapted his advice patiently & professionally as our family needs have evolved. He continues to support us in our financial planning and has kindly introduced our eldest daughter to the world of investments and pensions.”