Care Fee Planning
As life expectancy increases, the likelihood of needing care later in life grows. Concerns around how care will be funded can feel overwhelming, and many people worry they may lose everything. With the right planning, there are ways to bring clarity and reassurance to the situation
Modern | Dynamic | Honest
Planning for long term care requires careful consideration, particularly when balancing financial sustainability with the right level of support. Our role is to bring clarity and confidence to these decisions, helping you understand your options and put a plan in place that supports both your needs and your financial position.
We specialise in later life financial planning, providing practical guidance and reassurance at a time when clear advice matters most. Whether planning ahead or responding to a change in circumstances, we help you make informed decisions with confidence.
Long term care can take many forms, from support in your own home to residential or nursing care. Whatever the situation, we ensure your finances are structured appropriately, helping you manage costs effectively while maintaining as much control and independence as possible.
Celtic Financial has restored our faith in financial services. The information and advice we have received has been crystal clear. We would not hesitate to recommend Celtic Financial to anyone looking for financial advice that you can trust.
We are experienced independent financial advisers, supporting individuals, families and attorneys in navigating the financial challenges of long term care. Working alongside trusted professionals, we help you understand your options and put in place a clear, practical plan to meet care costs in a way that is appropriate for your circumstances.
We know this can be a difficult and uncertain time, which is why we focus on providing straightforward guidance and reassurance, helping you make informed decisions with confidence.
Common questions we help with include:
What are the most suitable ways to fund long term care?
Will there be anything left to pass on to my family?
Can my home be used to help fund care?
Can my home be used to help fund my care?
What happens if I lose the ability to make decisions?
Do I need a will or lasting power of attorney?
Should I have both financial and health and welfare powers of attorney in place?
We also work closely with organisations such as NEWCIS, helping ensure individuals and families have access to clear, independent and unbiased guidance. We offer an initial meeting at no cost, giving you the opportunity to discuss your situation and understand how we can support you.
Why Choose Celtic Financial Planning?
We understand that planning for long term care can feel complex and, at times, overwhelming. Our role is to bring clarity, reassurance and structure, helping you and your family make informed decisions with confidence.
A Personal, Family-Focused Approach
We take the time to understand your circumstances, working with you and your family where appropriate to build a plan that reflects your needs.
Clear Guidance Without Jargon
We explain care fees, funding options and financial decisions in plain English, so you fully understand your choices.
Reassurance at a Difficult Time
We help reduce uncertainty and anxiety, giving you confidence that the right plans are in place.
Exploring All Care Options
From care at home to residential and nursing care, we help you understand the options available and what they mean for you financially.
Coordinated Advice with Trusted Professionals
We work alongside solicitors, Chartered Accountants and other specialists to ensure your planning is aligned and well managed.
Up-to-Date Knowledge and Experienced Insight
We maintain strong links with local care organisations, ensuring our advice reflects current practices, legislation and available support.
Money Matters
Practical tips, insights, and updates to help you make confident financial decisions.
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Frequently Asked Questions
Long term care fees can be funded in a number of ways, depending on your financial situation. This may include personal savings, income, the value of your home or support from the local authority.
We help you understand your options clearly, ensuring your finances are structured in a way that supports your care needs while protecting your wider financial position where possible.
Not necessarily. Whether your home needs to be used to fund care depends on your individual circumstances, including the type of care required and who may still be living in the property.
We help you explore all available options, including alternative funding solutions, so you can make informed decisions without unnecessary pressure or concern.
In some cases, you may be eligible for financial support from your local authority, depending on your assets, income and care needs.
We can help you understand how the assessment process works and what support may be available, ensuring you do not miss out on any potential assistance.
If you lose mental capacity, decisions about your finances may need to be made by someone acting on your behalf. This is why having a Lasting Power of Attorney in place is so important.
We can guide you through the process and work with trusted professionals to ensure the right arrangements are in place, giving you and your family peace of mind.
Can we help?
If you’d like to discuss your financial planning, explore how we can support your goals, or make a general enquiry, we’d be happy to hear from you — simply complete the form or use the contact details below.
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