Care Fee Planning

Thinking about the possibility of needing long-term care isn’t easy, but failing to plan for it can have serious financial consequences. With care costs continuing to rise and the government’s long-promised fee cap delayed again, early, proactive planning has never been more important.

At Just Financial Planning, we help you prepare for the future with confidence. Whether you’re planning for yourself or supporting a loved one, we’ll explore practical strategies to protect your assets, maintain control over your choices, and give peace of mind to your family. The earlier you start, the more flexibility you’ll have and the better positioned you’ll be to manage care costs without sacrificing financial security.

What can we help with?

From creating investment strategies to fund future care to exploring annuities, estate planning, and equity release options, we help you plan ahead with clarity and confidence, ensuring your finances and your family are protected whatever the future brings.

Helping individuals and families answer these common questions:

How can I prevent my entire estate from being consumed by care fees?
What steps can I take now to prepare financially for potential future care needs?
Are there ways to fund care without selling my home?
What state benefits or funding am I entitled to for long-term care?
How do I ensure my family is not burdened financially if I require care?

Investment strategies:

We design investment portfolios that aim to generate reliable, sustainable income, helping ensure your assets continue to support your care needs for as long as required.

Immediate needs annuities:

These specialist plans can provide a guaranteed income for life to cover ongoing care fees, protecting the rest of your estate for your loved ones.

Estate planning:

We help you understand the rules around gifting, asset planning and local authority funding so you can make informed choices without putting your future care arrangements at risk.

Equity release options:

If suitable, we can explore ways to release value from your home, such as a lifetime mortgage, providing funds for care costs while allowing you to remain in your property.

Legal preparations:

We work alongside trusted legal professionals to ensure your Will and Lasting Powers of Attorney are in place, so your wishes are respected and decisions can be made on your behalf if needed.

Testimonials

This is what our clients think of us...

We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.

Chris

Retirement Advice

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market to get the very best deal for you. There are thousands to choose from, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.

More about our fees

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK in 2025. You have the peace of mind that your finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

How it works

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Take the first step towards peace of mind

Book your complimentary consultation

Services

Retirement Planning Investment Planning Business Planning Tax Planning Estate Planning Protection & Insurance Mortgage & Equity Release Cashflow Modelling Care Fee Planning

Policies

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Compliance

Just Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Just Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 477571. Registered in England & Wales, Company Number 6453011.

Registered Office address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA.

Trading address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA. Telephone: 01603 266333

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

Independent Chartered Financial Planners

Planning for Care Fees