If you need care and don't qualify for help with the costs
After the Social Services assessment of needs and finances comes the point when you or someone close to you needing care find out what is available and what has to be paid for. You will naturally want the best care that is available and you will also want the security of knowing that the care will be there for as long as it is required. For this to happen, it is important that you receive the correct financial advice.
There may be more funding options available than you realise as people want different things and this is where good financial planning now may avoid distressing decisions in the future. Most people want to ensure they can meet their care fees for their lifetime and preserve assets for their family. There are no winners if the finance is allowed to run out and with local authority budgets under increasing pressure a move to a cheaper care home may be inevitable.
This is where using a specialist independent financial advice service for those funding care and their families can pay dividends as they will look at the whole picture, ensure that you are receiving all your benefit entitlements, look at the available income and assets and advise you on the different ways open to you to fund the care that you or someone close to you requires.
Impartial advice is very important and all of the advisers listed below have the necessary qualifications to practise in this area, plus they have a great depth of knowledge about the care system built up during their many years in advising on care.
The Care Fees Advice Agency
The Care Fees Advice Agency currently has local offices in Central England, East Anglia and the South East of England. Each is run by a professionally qualified independent financial adviser who holds the necessary qualifications to advise in the restricted area of long term care.
Tom Scott - Director - Sussex Office
Email Tom Scott or call direct on 01903 535655
After working in financial services since 1986 and specialising in providing advice to the elderly on their care fees since 2002, Tom set up Financial Care Consultants Limited to offer specialist elderly care fees advice services. The company now trades as the Care Fees Advice Agency.
Tim Joyce - Senior Adviser - East Anglia Office
Email Tim Joyce or call direct on 01603 279057
Tim Joyce has specialised in advising people on the funding of long term care since 2001. He joined the Care Fees Advice Agency to open their Norwich Office offering a local long term care service in East Anglia and the surrounding area.
Tim is a member of the Society of Later Life Advisers and has completed the Financial Skills Partnerships Endorsed Later Life Accreditation.
Rob Hughes CertPFS - Senior Adviser - Berkshire Office
Email Rob Hughes or call direct 01344 779175
Rob Hughes has worked in financial services for over 30 years and has specialised in advising people on the funding of long term care since 2004. He joined the Care Fees Advice Agency to open the Berkshire Office to offer a local long term care service in Berkshire, Surrey and Hampshire.
Patrick Tyler - Senior Adviser - London & South East Office
Email Patrick or call direct 0208 319 3795
Patrick Tyler has specialised in advising people on the funding of long term care since 2001. He joined the Care Fees Advice Agency to open the London & South East Office to offer a local long term care service in London, Kent and East Surrey .
If you would like further information please apply through the following link and the Care Fees Advice Agency will provide you with an initial consultation and personalised care funding report without charge or obligation. http://www.carefeesadvice.com/national-careline.html
Central Financial Planning
Central Financial Planning are a small bespoke financial planning boutique – they do not want to be a large company as they want to provide an individual personal service to their clients. They do have however knowledge, qualifications and experience far beyond most national companies and access to specialist back up where required.
Samantha Barrett - Director - Central, East and West Midlands
Sam Barrett, Central Financial Planning
Email : firstname.lastname@example.org or Tel : 0845 006 6204
If you are concerned about your own long term care costs or those of a parent or relative then you need our help.
Samantha Barrett as well as being a Chartered and Certified Financial Planner has specific qualifications in Care Fees Planning and is a member of Symponia the specialist group for this type of advice. Sam is a Certified Financial Planner and is also a Chartered Financial Planner.
If you would like further information please apply through the following link http://www.centralfinancialplanning.co.uk/Long,Term,Care,Enquiry,18298,16416.html and Samantha from Central Financial Planning will provide you with a free initial care planning consultation.
Inshore Independent Financial Advisers is a small practice with a big presence. We have been established since 2003 and have continued to grow and segment into areas of specialist advice. We are directly authorised with the FSA and offer independent financial advice across a whole range of financial products and services. We have clients in Dorset, Hampshire and Wiltshire.
Kathryn Charlwood DipPFS - Adviser - Dorset and Hampshire
Kathryn specialises in advising on elderly client matters, specifically care fees planning. She provides advice to individuals, families, attorneys and professionals in all areas of later life. This includes ways of ring-fencing the future cost of care, investing for income, how to realise capital or income from properties to fund care fees, local authority means testing and state benefits.
She is a member of the Personal Finance Society and also the Society of Later Life Advisers She holds the Advanced Pensions qualification as well as being recognised as a Later Life Endorsed Adviser.
Inshore IFA, 37 West Borough, Wimborne, Dorset BH21 1LT Tel: 01202 802339
E Mail: Kathryn@inshoreifa.com Website: www.inshoreifa.com