Long-term Care advice

Planning for long-term care can feel overwhelming - but you're not alone.

We specialise in providing clear, compassionate, and expert advice to help you make informed decisions about care funding and support. Our advisory team includes a SOLLA-accredited adviser (Society of Later Life Advisers), recognised for specialist knowledge in later-life financial planning. This means you can trust us to guide you or your loved ones through the complexities of long-term care with empathy and clarity.

How we can help

Navigating care funding can feel overwhelming, but you don't have to do it alone. Our experienced team is here to guide you through every step of the process, ensuring you understand all your options and access the support you're entitled to.

Identify the most suitable funding options

These are based on your unique financial situation and care needs — including self-funding, NHS Continuing Healthcare, and Local Authority support.

Explain the full range of benefits and entitlements available

We help you understand what support is available through the NHS and your local authority, ensuring you access everything you're entitled to.

Plan ahead with confidence

Our guidance allows you to focus on what matters most — quality care — rather than worrying about the financial complexities.

My Care Hub
Our portal for expert long-term care advice

To support you further, we provide access to My Care Hub — an easy-to-use online portal that guides you through the care landscape. Whether you’re just starting your journey or already facing care decisions, My Care Hub helps you:

  • Understand care options and terminology
  • Learn what support is available
  • Access tools and resources to aid decision-making

If you are interested in My Care Hub, please contact Howard Morris via howard.morris@hcifs.co.uk. Please note that My Care Hub is an independent service provider. The content available on the portal is for general guidance only and does not constitute professional advice.’

We’re here to help you navigate every step of the journey with confidence, clarity, and care.

If you're interested in our long-term care advice you can contact us in the following ways:
Contact our Adviser Howard Morris: howard.morris@hcifs.co.uk
Call our Client Relations Manager Will Ayton: 01244 732657
Book a free consultation

What clients say

David

Merseyside

I had several pensions from previous employers and not much of a plan for the future, Rhys handled everything with a friendly professional attitude, everything went smoothly and gave me great peace of mind.

Mal

Denbighshire

Your advice and guidance was extremely well prepared, delivered to the highest, most clear and informative, and most professional of standards (if it needed a score then 10/10 across the board would be awarded, without any doubt ). The quality of documentation was top drawer and free from any confusion.

Chester

Chester

I have never been good at managing any sort of investment, but from our first conversation you put me at ease. I never felt embarrassed to ask you questions that perhaps I should have known the answer to - even when I was literally asking you to Google translate what you were showing or telling me. Patience of a Saint I would say. Throughout the whole process you had a calm demeanour which was very settling. I find it hard to trust people, but you most certainly have won me over with that one. You are the calm amongst my finance chaos.

David and Patricia

Wirral

My wife and I have found him to be always well-presented, and knowledgeable when we have any specific questions and meticulous in explaining any decisions to be made about our financial affairs... Matt has been there when needed and has made the process as comfortable as possible. We feel grateful to have him as our advisor.

Helen and Steve

Merseyside

When we retired in 2014, Jason called to our house to discuss our needs and advised us of the best path to take. Over the years, if we have a query, Jason is always there to take a phone call or he will call and see us. He explains his advice in a way we can understand, he is very respectful of our views and advises us impartially. Nothing is too much trouble for Jason or Helen and we would like to thank him for our secured financial future.

Alex

Merseyside

I've been using John B as my adviser for a year and I couldn't be happier with the advice and service I've received so far. John and Amy have been brilliant and they both have gone above and beyond to ensure proposals and policies are simple to understand and explained properly. They've both been fantastic to work with.