Advertising FeatureHow to take care of yourselfand your loved ones in later lifeMore and more people are facing a dilemma as they grow olderMany people would like to makenetary gifts to provide immediatebenefit o oved nes as soon asThere are also other financialimplications to consider, particularlythat money could run out, leavingthem unable to maintain a standard ofliving later in life, especially if longyou are a widow widower ordivorcee, or if your total estateover the value of &2million whentapered withdrawal of the ResidenceNil Rate Band will applyWith nursing homes in the South EastJeremy Davies ofcharging on average £897 per weekWealth Management LLP, a Partner(Knight Frank Care Homes ReviewOctober 2016), the spectre of having people do miotJeremy DaviPractice of St. James's Place WealthJeremy Davies is aManagement, s concerned that mosttred Financial Planner,ased locally at his 44-46 Highlooms large for many. Over the last picture when planning for late lifeten years, the average cost of nursingcare has increased by almost 75% and, Street, Sunninghill Officeoften not taking the time ounderstand the impact that care fes He is happy to provideor IHT could have on their wealthconsultations by appointmentI's clear that people are confused byat his office or alternatively willBuisson Care of Older People UKMarket Survey 2015)believe they are unlikely to bebe happy to visit you in theaffeced by this or the need for carecomfort of your own home ifyou prefer. All consultationsare held in the strictestven if people choose to remain inlater life," he saidtheir own homes and receive cathere, the cost is significant. On top The good news is there are sof his, there is the threat ofInheritance Tax (IHT) taking as mucho help safeguard your wealth in later cofidence and are withoutas 40% of assets exceeding the nil rateband of 325,000 for a single person,or where the full allowance is passed inheritance tax exempt solutions cana consultation or to requestto the surviving spouse,650,000 for give you access to the income you your complimentary IHTa couple (excluding the Residence Nil eed today and also mitigate aRate Bd, which is currently future eL100,000 for a single person andwhich wi rise in increments to175,000 for a single pson by 6about these issues can take is to seeklife. Simply understanding what you obligation.can gift to love ones now, place inFor more information, to booktrust for later, or invest in potentiallythe details below"The best action anyone concerned01344 624380professional advice and establish how jeremy davies@sjpp.co.ukyou can protect your hard-earnedThis can have a serious impact onpeople's estates. More and morepeople are affected by IHT every e levels and bases of taxation andyear. It used to be a tax that was theJeremydavieswm.co.ukreliefs from taxation can change atany time, The value of any tax reliefutLife Advisersescalating property values in the last deends on individual circumstancesyears have put paid to thatsolelythGona wealth managment Products awl "cevice, moecdetail» or which arr set out on the Groep, website w.yco uk/Probcts. The Sran es . Place

Date: 13 September 2017

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Advertising Feature How to take care of yourself and your loved ones in later life More and more people are facing a dilemma as they grow older Many people would like to make netary gifts to provide immediate benefit o oved nes as soon as There are also other financial implications to consider, particularly that money could run out, leaving them unable to maintain a standard of living later in life, especially if long you are a widow widower or divorcee, or if your total estate over the value of &2million when tapered withdrawal of the Residence Nil Rate Band will apply With nursing homes in the South EastJeremy Davies of charging on average £897 per weekWealth Management LLP, a Partner (Knight Frank Care Homes Review October 2016), the spectre of having people do miot Jeremy Davi Practice of St. James's Place WealthJeremy Davies is a Management, s concerned that mosttred Financial Planner, ased locally at his 44-46 High looms large for many. Over the last picture when planning for late life ten years, the average cost of nursing care has increased by almost 75% and , Street, Sunninghill Office often not taking the time o understand the impact that care fes He is happy to provide or IHT could have on their wealth consultations by appointment I's clear that people are confused byat his office or alternatively will Buisson Care of Older People UK Market Survey 2015) believe they are unlikely to be be happy to visit you in the affeced by this or the need for carecomfort of your own home if you prefer. All consultations are held in the strictest ven if people choose to remain in later life," he said their own homes and receive ca there, the cost is significant. On top The good news is there are s of his, there is the threat of Inheritance Tax (IHT) taking as mucho help safeguard your wealth in later cofidence and are without as 40% of assets exceeding the nil rate band of 325,000 for a single person, or where the full allowance is passed inheritance tax exempt solutions cana consultation or to request to the surviving spouse,650,000 for give you access to the income you your complimentary IHT a couple (excluding the Residence Nil eed today and also mitigate a Rate Bd, which is currently future e L100,000 for a single person and which wi rise in increments to 175,000 for a single pson by 6about these issues can take is to seek life. Simply understanding what you obligation. can gift to love ones now, place in For more information, to book trust for later, or invest in potentially the details below "The best action anyone concerned 01344 624380 professional advice and establish how jeremy davies@sjpp.co.uk you can protect your hard-earned This can have a serious impact on people's estates. More and more people are affected by IHT every e levels and bases of taxation and year. It used to be a tax that was the Jeremydavieswm.co.uk reliefs from taxation can change at any time, The value of any tax relief ut Life Advisers escalating property values in the last deends on individual circumstances years have put paid to that solely th Gon a wealth managment Products awl "cevice, moecdetail» or which arr set out on the Groep, website w.y co uk/Probcts. The Sr an es . Place

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