Plan for Care with Confidence: Protect Your Lifestyle and Family's Future

Secure Your Independence: Maintain your quality of life and dignity with care options that reflect your personal wishes.

Protect Your Assets: Safeguard your wealth from care costs and preserve your legacy for loved ones.

Reduce Family Burden: Ease emotional and financial stress with a clear, funded care plan in place.

Independence and Security are the Foundation of Confident Later Life Planning

Planning for long-term care is one of the most important decisions you'll make, yet it's often overlooked until a crisis occurs. At Harry Robinson Wealth Management, we help you take control of your future by creating a comprehensive care plan that protects your independence, preserves your wealth, and provides peace of mind for your family. Our tailored long-term care strategies, supported by St. James's Place, ensure you're prepared for whatever the future holds.

 

Without a Long-term Care Plan, You May Face Significant Risks

    • Depleted Life Savings: Care costs can rapidly consume your wealth, leaving little for your family or the lifestyle you envisioned.
    • Loss of Control: Without planning, others may make critical decisions about your care and finances during vulnerable times.
    • Family Burden: Your loved ones may face emotional stress and financial strain trying to arrange and fund care without guidance.

    The cost of residential and nursing care continues to rise significantly, yet many families remain unprepared. Without proper planning, difficult decisions may be forced during crisis moments, often resulting in assets being consumed by care costs that could have been better managed with foresight.

Why Choose Us for Long-term Care Planning?

Comprehensive Long-term Care Planning Backed By Expertise and Experience

At Harry Robinson Wealth Management, we provide comprehensive long-term care planning services tailored to your unique circumstances. As specialist advisors with extensive experience in care funding and asset protection, and with support from St. James's Place, we ensure your independence is maintained and your wealth is protected:


  • Tailored Care Strategies: Plans aligned with your health needs, family situation, and financial objectives.
  • Comprehensive Planning: From care funding options to asset protection and Powers of Attorney, we provide solutions that work for you.
  • Ongoing Support: As your circumstances and care needs evolve, we'll keep your strategy updated and your family informed.

Protect your independence and your family's future with our expertise in long-term care planning.

 

Types of Long-term Care

Explore Comprehensive Long-Term Care Solutions

Planning for long-term care is key to protecting your independence and preserving your wealth. At Harry Robinson Wealth Management, we understand that each client has unique care needs, family circumstances, and financial considerations. With our expertise and the support of St. James's Place, we provide tailored long-term care strategies designed to secure your future and provide peace of mind for your family.

Ensure that your loved ones will be well looked after in the future, whatever the circumstance. 

We can provide personalised advice and a range of Family Healthcare Plans to choose from, providing you and your family with more peace of mind as you look to the future.

Having all of your family under one single insurance umbrella is not only cost-effective, but also means everyone is entitled to helpful benefits too. Talk to us to discuss the various options and plans available.

We offer services that will help you plan how to finance a future for your elderly parents, ensuring they are well looked after, and as safe and well as possible.

Harry Robinson Wealth Management can help you get on the property ladder by way of an introduction to a panel of carefully selected experts who will tailor their advice and services to suit your needs.


Your home may be repossessed if you do not keep up with repayments on your mortgage.


We offer a comprehensive range of first-charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender.


Harry Robinson Wealth Management works with a network of third-party intermediaries that offer different mortgage services depending on your circumstances. Service fees may apply and are not governed or monitored by Harry Robinson Wealth Management.

Saving for your children's benefit can be one of the most satisfying ways to manage your wealth, knowing that you are providing them with a certain level of security. We can make investing for your child's future more attainable and impactful with advice tailored to your unique situation.


The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

Estate planning is a vital part of protecting your wealth for future generations and for the security of your family. We provide expert advice to structure your assets and ensure everyone is adequately provided for.


Although we are able to facilitate the writing of a will, this involves the referral to a service that is separate and distinct from those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.


Harry Robinson Wealth Management reserves the right to work with third-party providers and specialists to facilitate specific estate planning products in line with a client's circumstances and requirements. These services are not covered by the St. James's Place Advice Guarantee.

We make sure that everything is planned thoroughly to ensure your business is safeguarded and there is as little risk as possible if there was to be a death or critical illness in the future.

The value of your investment with St. James's Place will be directly linked to the performance of funds you select and the value can therefore go down as well as up. You may get back less than you invested.



Trusts are not regulated by the Financial Conduct Authority. 

Our Process:

How We Help You Plan for Long-term Care

1. Understanding Your Situation

We start by understanding your current health, family circumstances, assets, and care preferences.

2. Creating Your Care Plan

We create a customised long-term care strategy that funds your care needs, protects your assets, and aligns with your wishes.

3. Ongoing Review & Support

We regularly review and adjust your plan as your circumstances change, ensuring it remains effective and your family stays informed.

Take Control of Your Financial Future

Plan for Your Future with Our Retirement and IHT Calculators

Planning for your future is essential, and having the right tools to guide your decisions can make all the difference. The St James's Place Retirement and Inheritance Tax (IHT) Planning Calculators provide you with easy-to-use, practical tools to help you better understand and manage your financial goals. Whether you're looking to ensure a comfortable retirement or reduce the impact of IHT on your estate, these calculators are designed to give you a clear picture of your financial situation and help you make informed decisions that align with your long-term objectives.

Our Retirement Calculator is designed to help you plan for a secure and comfortable retirement. By inputting your current savings, income, and retirement goals, the calculator will provide an estimate of how much you need to save to achieve your desired lifestyle in retirement. It takes into account factors like inflation, investment growth, and life expectancy to give you a realistic view of what you can expect in the future. Whether you're starting early or nearing retirement, this tool is an essential resource for making smart financial decisions.

The Inheritance Tax (IHT) Planning Calculator helps you assess how much IHT your estate could be liable for and provides insights into ways you can reduce your exposure. By entering information about your assets and beneficiaries, the calculator gives you an estimate of the potential IHT liability your estate may face upon your passing. It also offers suggestions on strategies to mitigate the impact, such as gifting, trusts, and other estate planning options. This tool is invaluable for anyone looking to protect their wealth and ensure more of it is passed on to loved ones.

 

Our Advice Guarantee

Confidence in Every Recommendation

At Harry Robinson Wealth Management, your financial security is our top priority. That's why, as part of the St. James's Place Partnership, we offer a guarantee: St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the Group, more details of which are set out on the Group's website at www.sjp.co.uk/products.

Testimonials

Testimonials

“Harry has been great in helping me organise my affairs. He is clear, honest hardworking and everything we do is centred around my goals. It’s great to have someone who listens! I have complete faith in Harry and would not hesitate to recommend him to anyone.”

Chris Allen

Commercial Manager, Cardiff

"Harry has always gone above and beyond in ensuring my best interests. He provides honest, straightforward and trusthworthy advice that I can rely on. I do not hesitate recommending Harry to friends and family, as I know he provides an excellent service."

Adam Evans

Compliance Manager, Cardiff

"I am delighted to recommend Harry Robinson for the service he has provided me. His advice and professional approach is exemplary and I would recommend his services to anyone. I have found his approach in developing a personal relationship to be highly professional. He operates with integrity and he is very trustworthy. Highly recommended, thank you Harry!”

Neil Edwards

“Harry Robinson is a hardworking, conscientious and very professional adviser. His primary focus is on client interests and I am extremely satisfied with the service that I have received from him. So much so, in fact that I have already recommended him to a friend who has a similar need, and athat friend has already given me very positive feedback."

Chris Brown

Cardiff

“I have found working with Harry absolutely effortless. As a busy man Harry always ensures everything is efficient, concise & exactly what I need. After working with Harry I feel in very safe & knowledgeable hands. Look no further if your looking for financial advice.”

Rhys Blumberg

Swansea

“Thank you Harry for your patience and support and for your excellent financial advice. You made me feel confident that I am in good hands and I have complete faith in the advice you have provided. Harry is welcoming and professional and his clear expert knowledge creates a high level of trust. This approach is personally focused. I would fully recommend his services.”

Hazel Robinson

 Director, Cardiff

“Harry has provided an exceptional service both to myself and my company, professional together. He is very trustworthy and reliable and I have been delighted with the investment portfolio provided”

Philip Davies

Director, Swansea

FAQs

Based on 2025 data, residential care costs average £1,406 per week (approximately £73,000 per year) in the UK, with nursing care costing £1,558 per week (approximately £81,000 per year). Costs vary significantly by location and level of care required. Harry Robinson Wealth Management can help you plan for these expenses and explore funding options.


Source: Lottie Care Home Costs 2025

Not necessarily. Several options exist to protect your home, including local authority support, deferred payment agreements, and equity release. Your property may not be included in means testing if your spouse or certain dependants still live there. Harry Robinson Wealth Management can help you explore strategies that protect your property whilst funding quality care.

Residential care provides accommodation and personal care support with daily tasks like washing and dressing, while nursing care includes 24-hour medical care from qualified nurses for residents with complex health conditions. Harry Robinson Wealth Management can help you understand which level of care might be needed and how to fund it.

The earlier you plan, the more options you'll have to protect your assets and secure quality care. Harry Robinson Wealth Management recommends discussing long-term care planning as part of your retirement strategy, ideally in your 50s or 60s, well before care is needed.

Start Planning for Long-term Care Today

Don't leave your care and your family's future to chance. Contact us today to discover how our long-term care planning services can help you maintain independence, protect your wealth, and provide peace of mind for those you love.