Our team is experienced in providing advice for people who are paying or planning to pay for care. We take time to understand the needs of the person requiring care, and our priority is to ensure they receive the right help to give them security and peace of mind.

How we work

We offer an initial meeting to discuss your requirements at our expense. We are used to meeting with clients acting under a power of attorney, and are happy to meet with any family members you would like to be present.

Following our initial meeting, we will set out how we can help and the cost of our services. Our fees are pre-agreed so there are no surprises.

Our process is designed to deliver clear advice which takes account of all aspects of the situation and reflects the priorities of the person in care.

• We will advise as to any financial assistance you may be able to claim from the state.
• We build cash flow projections to establish the affordability of care fees into the future.
• We provide independent advice on care fees payment plans, obtaining the best underwritten quotations from the open market, providing guidance as to the value for money they provide and their impact on the affordability of care fees.
• We design investment strategies aimed at meeting the cost of care, while maintaining a suitable investment risk profile, and we undertake any necessary restructuring to ensure the efficiency of investments for taxation purposes.
• We provide comprehensive inheritance tax and care fees advice for clients planning for the future, helping to ensure that estate planning does not compromise affordability of the best care in later life.

Our advice is provided in writing, and we present our recommendations in person to discuss how these will meet your specific objectives and to answer your questions.

Once we have agreed with you the best course of action, we implement our recommendations and take care of the necessary administration on your behalf.

We offer ongoing services designed to ensure that your financial plans are reviewed regularly.

It is our fundamental aim to ensure that our later life clients are afforded the utmost respect combined with the technical expertise to make the most of the financial resources available to them.

Specialist expertise

Care Fees Planning is a specialist area of advice. Our team’s specialist qualifications include the following:

• Chartered Financial Planner
• Certified Financial Planner
• Accredited Member of the Society of Later Life Advisers (SOLLA)
• Member of the Society of Trust and Estate Practitioners (STEP)
• The Chartered Insurance Institute’s Advanced Financial Planning Certificate including the following specialist subjects: Pensions, Equity Release and Care Fees Planning

Our team is accustomed to working with private client solicitors, attorneys and court appointed deputies to ensure that the person needing care receives a comprehensive and cost effective service.

For deputies under a higher level of supervision, we can provide independent investment recommendation reports for submission to the Court of Protection.