About Blythswood Associates

When it comes to your future, it is important to invest in planning. We believe that if you invest in expert financial planning, it will help you achieve your financial goals and secure the future you want.

Whether you are starting out in your career, looking to buy your first home, saving for your child’s education or heading towards retirement, we are here to help you at every step of life’s key milestones.

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The Partner together with St. James's Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner's Privacy Policy or the St. James's Place Privacy Policy
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Couple Managing Finances and Their Estate

Thanks to better medical care and healthier lifestyles, we have the prospect of living longer. But while an increase in life expectancy may seem like good news on the face of it, it has to be recognised that there are a number of financial implications that go with it.

For example, the average cost in a residential care home in the UK is around £32,344 a year rising to £44,512 if nursing care is also required and with the average stay at about three years, the costs are substantial*.

The St. James's Place Later Life Planning Scheme enables you to plan for Inheritance Tax (IHT) by providing monetary gifts to your loved ones and securing an income to help cover your long term care costs.

We are committed to helping people meet their financial needs throughout their lifetime and long term care planning is no exception. The St. James's Place Later Life Planning Scheme helps provide peace of mind enabling you to plan your IHT exposure, make gifts to your heirs during your lifetime and secure a pre-set income should you need long term care in the future.

Its key benefits are:

Safely make monetary gifts to loved ones during your lifetime
Plan your exposure to IHT
Arrange a pre-set income for life to help safeguard against care costs, if required in the future
Keep control of your money
Benefit from using gifts and trusts**

The value of an investment may fall as well as rise. You may get back less than the amount invested. If the "income" taken exceeds the growth on the Plan, the capital will be eroded.

*Source: Laing & Buisson Report 2017/18

**Trusts are not regulated by the Financial Conduct Authority.

If you would like to receive a complimentary 'Later Life Planning' Guide and find out more about how we could help you and those closest to you look forward to the future with security and confidence, please complete your details below.

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The Partner together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us.  For further information on our uses of your personal data, please see the Partner’s Privacy Policy or the St. James’s Place Privacy Policy.