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Long Term Care

Care Planning

Long Term Care expert advice can provide peace of mind to those needing care and to their family.

Please contact us for advice in choosing the most suitable Long Term Care options to suit your needs.

Often as a result of old age and its associated problems, expert advice is crucial should a person need to pay for care, although age is not always a determining factor in needing Long Term Care.

Meeting the cost of care in old age is a growing issue for many people in the UK.

There are many options for funding long-term care and they can often be complicated. So if you or a loved one need to pay for care at home or in a care home, it’s important to know the facts. You may find it useful to read a beginner's guide on Long Term Care to find out how much you might need to pay and what help you can get:

Beginner's guide to Long Term Care (MoneyHelper) »



Funding Care Fees

Financial Planning for the elderly has many strands for example: when to draw private pension benefits and in what form, whether an equity release scheme might be useful to provide cash and how to protect future inheritance. However one of the biggest considerations is in relation to care funding and availability of NHS and local authority support.

The options for funding Long Term Care are varied and can often be complicated. Should you or a loved one need to pay for care at home or in a care home, it's important to know the facts. By considering the following areas using our expertise, we can assist you with the funding of Long Term Care:

  1. Is your existing income sufficient?
  2. Can you increase your income? We can assist in rearranging investments in a tax efficient manner
  3. Advice on downsizing and/or equity release (if being cared for in your own home)
  4. Assisting with a possible purchase of a long-term care immediate needs annuity (and the tax benefits with that)

It can be worth seeking financial advice to understand how best to fund long-term care. We would be happy to guide you through any options.



Tax Planning is not regulated by the Financial Conduct Authority





Kennet Financial Services

Our aim is to offer clients Financial Peace of Mind and Real Value for Money

About us

Independednt Financial Advisers (IFAs) based in Devizes, Wiltshire

Our philosophy is simply to guide our clients through the various stages in their lives where expert financial guidance is required from an experienced and trustworthy adviser.

Our aim is to help our clients achieve their financial objectives in a tax efficient and easily maintained manner with clear, uncomplicated solutions.

The reward is being able to work at achieving a long and happy association with clients where trust and transparency are paramount in the relationship.

Advisers David Kinch and Ben Trow have many years experience working with Individuals and Businesses and have built a reputation based on trust and the ability to explain what can be complicated subjects in easy to understand ways both face to face and in writing.

We use our experience to cut through the jargon unfortunately plaguing our Industry to provide options and solutions tailored to your needs.


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We serve people best who:

  • have little time and/or expertise to manage their financial affairs
  • are seeking expert financial advice and/or investment review
  • want help to formulate and maintain a clear financial plan and strategy to make the most of their hard earned money
  • need a “sounding board”
  • want the discipline of a regular review of their finances
  • are seeking a sense of control, peace of mind and financial freedom
  • regard service and a trusted relationship as key to working with advisers of any sort

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Our Specialist Areas

The Financial Services Authority does not regulate Taxation & Trust advice or Will writing.

Kennet Financial Services provides services like financial planning and financial advice, tax, personal pension advice as well as business advice. We also provide many other types of advice and private investing in Devizes, Wiltshire.

We offer a comprehensive financial planning service to include tax planning opportunities. We also provide a bespoke investment management service with an emphasis on strategic asset allocation.



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