Atherton & Associates Wealth Management Ltd

Supporting You Through the Financial Side of later life planning

Planning for later life planning is something most families have never had to face before—and when the time comes, it can be overwhelming to know where to start. With limited support and advice readily available, it’s easy to feel uncertain about your options.

As a financial adviser, I help individuals and families understand and plan for the financial realities of later life care. With people living longer than ever, more of us will need to consider how care is funded, how assets are protected, and how to provide for loved ones in the future.

My role is to guide you through the process with clarity and care, covering:

• The different options available for funding later life planning
• How to structure your finances to protect and pass on your legacy
• Understanding and planning for any potential Inheritance Tax liability
• The appropriate use of Trusts to support your wishes*
• Using cashflow planning to understand the long-term impact of care costs on your finances

*Please note: Trusts are not regulated by the Financial Conduct Authority.

Whether you’re planning ahead or facing care decisions now, I can help you build a financial plan that gives you confidence in the future.

Area covered: South Cheshire

This may involve a referral to Karehero, a comparison and care matching provider, whose services are separate and distinct to those offered by St. James’s Place.

Atherton & Associates Wealth Management Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products.

SJP approved 24/02/2026