Care Fees & Long-Term Care Planning

Planning for the future doesn’t have to be overwhelming.

Long-term care costs can be significant and, without planning, they can reduce the assets you intend for your family and loved ones. Care fees planning is about understanding your options early and making informed decisions that give you clarity and peace of mind.

At Macalester & Co, we provide clear, straightforward estate planning advice to help you plan ahead with confidence.

Why planning ahead matters

Many people only think about care fees when a situation becomes urgent. By planning earlier, you have more choice and more control.

Without planning:
- Assets may be assessed to fund care costs
- Property or savings may need to be used to pay fees
- Families can be left facing difficult decisions

With planning:
- You understand how care funding works
- You retain greater control over future decisions
- You can protect your estate in ways that suit your circumstances

How we help

Every client’s situation is different. Our role is to explain your options clearly and help you make decisions that are appropriate for your needs.

Advice may include:
- Estate and trust planning
- Inheritance tax planning
- Asset protection strategies
- Wills and Lasting Powers of Attorney
- Working alongside solicitors, tax advisers and other professionals where required

Where appropriate, care fees planning may involve the use of trusts as part of a wider estate planning strategy. Trusts are not suitable for everyone and must be considered carefully based on individual circumstances.

Care fees planning is often closely linked with inheritance tax planning. You may also wish to read more about our Inheritance Tax Planning services.

A clear note on outcomes

We provide professional, compliant advice. We do not promise guaranteed outcomes or promote schemes designed solely to avoid care fees. Our focus is on clarity, transparency and planning that supports what matters most to you.

Talk to us

If you are concerned about future care fees, the best first step is a conversation. We offer a complimentary, no-obligation consultation to understand your circumstances, explain your options and outline practical next steps.

To understand more please use the Contact Form or email tracey@macalester.co.uk or call WhatsApp on 07544 066913