Conservation stage: 75+

The key to conservation

In your later years, you’ll be thinking about what you can give to others now and in the future, and organising your assets to make sure your family don’t pay more tax than they need to.

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The golden years

Your later retirement years are about balancing the need to live comfortably with preparing for unpredictable life events such as illness or care needs. It’s also a good time to start thinking about how you will cover funeral expenses and making sure your will is up to date.

Health and wellbeing

Health and wellbeing become even more of a priority in your 70s. During this stage you are likely to encounter health issues, so you should also plan for possible care if you haven’t already.

Gifting money to family for inheritance

Gifting money to your family can make a huge difference to their lives and be enormously rewarding. You could use it to help your grandchildren get on the property ladder or pay off their university debt.

Lifestyle planning

As you get older your mobility may not be what it used to, so you’ll be thinking about how to simplify your lifestyle. This could involve downsizing or making changes to your home to make it easier to live in.

Retirement living for later life

During this stage declining health is a worry and you might be thinking of moving somewhere more manageable. A retirement home can give you your independence while still being near to friends and family.

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Planning your legacy

Inheritance tax can cost your loved ones hundreds of thousands of pounds when you die, so it is vital your estate planning is up-to-date.

Inheritance Tax Plan

How can you mitigate your inheritance tax bill?

Inheritance tax (IHT) planning can be difficult because different emotions and expectations often collide. Think about your situation and start early so you don’t leave it too late.

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