Finance: Funding Care Fees

Beaumont Wealth

Matt Hignett

I approach all client families with the upmost respect and sensitivity, ensuring I understand the difficult position that all those facing care fees find themselves in.

Having experienced the care system and the financial strains that can accompany it personally; I assisted both my brother, after a brain aneurysm at a young age and my grandmother after her dementia necessitated more formal care I believe that my personal journeys give me an insight that many other advisers have simply never had.

Taking an independent and holistic view to all planning needs ensures you will always be presented with the right solution for your circumstances.

I am a fellow of the personal finance society, a chartered financial planner, a nationally recognised ‘VouchedFor top rated adviser’, and am lucky enough to work at a great company in Beaumont Wealth, who have been providing expert, tailored financial advice for over 23 years.

Working in conjunction with offices in Chester, Shropshire and North Wales, I am proud to offer specialist advice across care funding, pensions, savings and investments as well as inheritance tax planning.

Outside of work I enjoy travelling, keeping fit, walking, and spending time with my daughters.

My role is to become your trusted professional adviser, taking away the pressure of the complex financial quagmire that this area can present, my extensive experience collaborating directly with clients, caregivers, and appointed attorneys means you can be sure that all the aspects surrounding your situation will have been explored.

I look forward to helping you with any issues you are facing.

  • Company: Beaumont Wealth
  • Member Since: April 2024
  • 21 Salop Road, Oswestry, Sgropshire SY11 2NR
  • Solla Member

Attivo Financial Planning

Katie White

Katie is a Chartered Financial Planner and an Occupational Pension Specialist. She has worked in Financial Services since 1997 joining Attivo in 2019. Katie is a Fellow of the Personal Finance Society (PFS), part of the Chartered Insurance Institute (CII).

Katie also holds the coveted Later Life Adviser Accreditation from the Society of Later Life Advisers (SOLLA), an endorsement of her skills and experience of working with, and understanding the needs of, older people and their families and carers.

To achieve Chartered status, Financial Planners must hold the Advanced Papers from the CII. Katie holds several.

Over the years Katie is both proud and delighted to have been recognised within various prestigious awards, including:

  • 2022 Investment Week Women in Investment: Nominee
  • 2022 Financial Reporter Women’s Recognition – Later Life Adviser of the Year: Winner
  • 2022 Professional Adviser Women in Financial Advice – Financial Adviser of the Year (South-East): Finalist
  • 2018 Professional Adviser Women in Financial Advice: Finalist
  • 2018 Financial Times Money Tax-Efficient Investing Planner of the Year: Runner up
  • 2017 Financial Times Money Management SIPPs Planner of the Year: Runner up

In my spare time I like to pound the pavements or chase a tennis ball around a court hoping to catch it on my racket from time to time.  Sport has ingrained in me the importance of goal-setting, time management, and the pursuit of improvement. Moreover, it’s taught me humility in victory and grace in defeat, I have learnt how to be very graceful!

  • Company: Attivo Financial Planning
  • Member Since: April 2024
  • Babmaes House, 2 Babmaeas Street, London SW1Y 6HD
  • Solla Member

Gilson Gray Financial Management

Sandra Robertson

  • Company: Gilson Gray Financial Management
  • Member Since: March 2024
  • 29 Rutland Square, Edinburgh, Midlothian EH1 2BW
  • Region: Midlothian

Beagle Financial Advice

Daniel Francis

  • Company: Beagle Financial Advice
  • Member Since: March 2024
  • 92 St Faiths Lane, Norwich, Norfolk NR1 1NE
  • Solla Member

BURFIELDS HOUSE WEALTH MANAGEMENT LIMITED

Charlotte Rush

Charlotte has been working in the financial services industry since 2016 and has been nominated Financial Adviser of the Year – South East for three consecutive years, twice making it to the finals. With first-hand experience in the world of long-term care, Charlotte understands just how overwhelming the process of choosing the right care can be with so many things to consider including funding.

As a later life planning specialist, Charlotte works closely with clients and their loved ones to help ensure they are better informed about the financial issues of care ensuring finances can meet lifestyle goals. This often includes navigating the world of care fees and state benefits to ensure that loved ones are well looked after now and for the foreseeable future. Charlotte also works closely with the next generation, offering holistic planning advice covering retirement, investment and inheritance tax planning to ensure continued tax efficiency for generations to come.

Burfields House Wealth Management is a local family run practice with a global reach having amassed a wealth of expertise and experience dating back to 1982. Charlotte is happy to meet with clients and their families at a time and place convenient to them (face-to-face, telephone or video).

In her spare time, Charlotte enjoys exploring the Kent countryside with her four-legged friends.

Burfields House Wealth Management Limited 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.

SJP Approved 28th February 2024

  • Company: BURFIELDS HOUSE WEALTH MANAGEMENT LIMITED
  • Member Since: February 2024
  • Burfields House Wealth Management Limited, Burfields House, The Plain, Goudhurst, Cranbrook, Kent TN17 1AE

Woodward's of Ripley Limited

Tina Wright

Tina has experience in all areas of financial advice, with specialisms in pre- and post- Retirement Planning, Equity Release and Long-Term Care. She achieved Chartered Status through the LIBF. Tina a network of specially selected experts to support all her clients’ advice needs.

She has worked across all client areas and specialises with private clients, corporate clients and other professionals. Tina has built a solid network of clients by providing advice and high-quality service to local people, business owners, people starting on the property ladder, clients in the mid stage of working life, people coming up to retirement wanting to maximise their standard of living which continues through retirement, some of whom may require advice in long-term care planning.

Her interests outside of finance which include loving the thought of keeping fit through walking and exercise. However, she feels that leaving this to the experts is a much better idea whilst she gets on with cooking her home grown produce and drinking wine.

  • Company: Woodward's of Ripley Limited
  • Member Since: January 2024
  • 7-9 Nottingham Road, Ripley, Derbyshire DE5 3DJ
  • Region: Derbyshire
  • Ask me about my additional qualifications

Woodward's of Ripley Limited

Kirstie Dean

Kirstie has experience in all areas of financial advice, with particular specialisms in pre- and post-retirement planning, and long-term care.She has worked across all client areas and specialises with private clients, corporate clients, and other professionals.

Kirstie has built a solid network of clients by providing advice and high quality service to local people, business owners, clients in the mid stage of working life, people coming up to retirement wanting to maximise their standard of living which continues through retirement, some of whom may require advice in long-term care planning. She also has a network of specially selected experts to support all her clients’ advice needs.

She has achieved many qualifications during her career including:

  • First Class Degree in Finance, Accounting and Management (BSc Hons)
  • Level 4 Diploma for Financial Advisers (DipFA)
  • Level 6 Advanced Diploma in Financial Advice (Adv DipFA)

When Kirstie isn’t working she enjoys making memories with her friends and family, walking her dog Jessie in the Peak District, and keeping fit at the gym. Her interests include cooking, football, and travelling. She loves discovering new places and everything they have to offer.

  • Company: Woodward's of Ripley Limited
  • Member Since: January 2024
  • 7-9 Nottingham Road, Ripley, Derbyshire DE5 3DJ
  • Ask me about my additional qualifications

Schroders Personal Wealth

Anna Sharpe

Anna has over 20 years experience working in financial services and has specialised in providing later life advice for the last 10 years.  She works closely with individuals and their representatives providing a holistic approach to ensure that their care fees are secured for the remainder of their life to give peace of mind that they can remain in their chosen care home or continue to receive care in their own home and still leave a legacy to their family when the time comes. 

Anna works for Schroders Personal Wealth, a joint venture between Schroders plc and Lloyds Banking Group plc, and is able to offer holistic advice on a wide range of areas including; protecting your wealth, retirement planning, investment solutions, inheritance tax planning and long term care funding.

Anna is able to meet with clients at a time and place convenient for them including their own home, care home, local Lloyds or Halifax Branch, the Schroders Personal Wealth London office or via video meeting.  Anna covers the Kent, East Sussex, Surrey and South London area. Anna lives in Tunbridge Wells with her young family.  In her spare time she enjoys running, having competed in both the Brighton and London marathon, and hiking, having hiked to Everest Base Camp prior to starting a family.

  • Company: Schroders Personal Wealth
  • Member Since: November 2023
  • 12th floor, 1 London Wall, London EC2Y 5EA
  • Ask me about my additional qualifications

Benchmark Financial Planning

Paula Ryan

I’ve worked in the financial industry for just over 20 years, I started in administration roles and worked my way through to management roles. In 2010 I started my journey as an adviser, as I had been working at a company offering financial solutions for the over 55’s I decided to continue to advise in this area. I feel I have found an area I really care about as it gives me an opportunity to help individuals and their families fully understand all their options in later life.

Equity Release is a lifetime mortgage. To understand the features and risks associated with this type of mortgage, please ask for a personalised illustration.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

  • Company: Benchmark Financial Planning
  • Member Since: November 2023
  • Runway East, York & Elder Works, 50 New England Street, Brighton, BN1 4AW
  • Solla Member

Cygnus Financial Planning Limited

Jon-Paul Rougeolle

Jon-Paul is an independent financial planner based in Warwickshire, serving clients through the Midlands.

He takes a strategic approach with his clients, drawing up coherent, personal and realistic plans; helping them lead the life they want, without fear of running out of money.

Where care is required, the challenge is often distinct but stressful; the financial implications can be daunting, often confusing and harsh if you make a mistake.

By combining technical skills with a sympathetic approach to discussions Jon-Paul helps clients understand their present situation and identify what paths are likely to be most appropriate. 

To support this, Jon-Paul undertakes sophisticated modelling and analytics but is careful to explain such output in familiar language; rather than confuse clients, he wants to ensure they understand clearly what is being advised and why.

Jon-Paul is a founder/director of Cygnus Financial Planning a Chartered Financial Planner, a Fellow of the Personal Finance Society and is accredited as a Later Life Specialist through the Society of Later Life Advisers.

With over 15 years of professional experience helping clients structure their retirement and beyond, he’d be delighted to speak with you, without obligation, to see how he can help.

  • Company: Cygnus Financial Planning Limited
  • Member Since: October 2023
  • 9 Silchester Close, Cawston, Rugby, Warwickshire CV22 7YZ
  • Solla Member

Quilter Cheviot Limited

James Jackson

I am a financial planner in the Yorkshire region, looking after a number of high net worth families and their finances.

My expertise covers all aspects of financial planning including care fees planning, pensions and investments, inheritance tax and estate planning, as well as mortgages and protection.

I work for Quilter Cheviot, who are part of one of the largest financial planning networks in the UK.

We’re here to help secure your financial future by supporting you with trusted advice every step of the way. Our experienced planners are here to help with whatever you need, whenever you need it.

When not at work I spend my free time chasing after my 6 and 4 year old kids, watching and playing sport including Football and Rugby, as well as being an avid live music fan.

  • Company: Quilter Cheviot Limited
  • Member Since: September 2023
  • Toronto House, 2 City Square, Leeds, Yorkshire LS1 2HJ

Forvis Mazars

Nicholas Hamilton

I am a Chartered Financial Planner and a Director of Forvis Mazars, responsible for leading our independent financial planning team based in Milton Keynes. I have obtained Fellowship of the Personal Finance Society and am a member of the Society of Later Life Advisers, recognition of my knowledge and technical capability, as well as my ongoing commitment to professional development, particularly in supporting the needs of clients in later life.

By listening to the needs of my clients and encouraging thought provoking discussions regarding their financial and lifestyle objectives, I develop tailored financial planning strategies aligned to their goals.

I am a strong advocate of lifetime cashflow modelling and believe that everyone should have a financial plan regardless of their financial position or circumstances. For me, financial planning isn’t about setting up investments or establishing products, it’s about understanding what my clients want to achieve – their motivations, worries and longer-term plans – and putting together a robust and flexible goals-based plan that can adapt to their changing needs over time.

I have a particular passion, interest and expertise in supporting clients with their estate planning needs as well as planning associated with care costs.

  • Company: Forvis Mazars
  • Member Since: August 2023
  • The Pinnacle, 160 Midsummer Boulevard, Milton Keynes, Buckinghamshire MK9 1FF
  • Solla Member

Strategic Solutions Financial Services

Kerry Saunders

I’m a chartered financial planner and have been working in the industry for more than 19 years, advising for 11. I’ve held various roles from mortgage administration, to managing a bank branch, all leading to becoming and Independent Financial Adviser. I really enjoy helping people to understand their finances and achieve their goals. I find it is a very rewarding job and have a great relationship with my clients.

I have been working a lot within the later life advice area in the last 6 years and feel I can be most helpful to my clients and their families at this time. I’ve worked with power of attorneys and local solicitor firms to help with care fees planning and financial considerations alongside this area of advice.

At home, I have a miniature Dachshund and a daughter. We spend as much time as we can outdoors and enjoy visiting new places.

  • Company: Strategic Solutions Financial Services
  • Member Since: August 2023
  • Hamilton Court House, 1-3 Alum Chine Road, Westbourne, Bournemouth, Dorset BH4 8DT
  • Solla Member

Cole Financial Associates Limited

Kirsty Cribbens

Financial Planner

With a wealth of knowledge and experience in life and financial planning, I have been working with my clients for years and have stood beside them on their journey to achieve the kind of security they want for their family.

I absolutely love my job because I get to build long term relationships with my clients and have been able to see the lasting results of my guidance and advice. 

Outside of my career, I have raised 3 amazing children who have all flown the nest. They have been replaced with my lovely Cocker Spaniel Woody who keeps me fit with long walks and swimming in the sea.

  • Company: Cole Financial Associates Limited
  • Member Since: August 2023
  • First Floor, The Crown, London Road, Westerham, Kent TN16 1DJ
  • Solla Member

True Potential Wealth Management LLP

Rebecca Saxby

Rebecca Saxby – Wealth Management

As a Financial Adviser with True Potential Wealth Management, part of the highly successful True Potential group of companies, Rebecca is committed to delivering better value and choice for her clients in and around Hampshire.

Rebecca has been advising in Later Life planning since 2018 and prides herself on offering a personal friendly bespoke service.

When it comes to later life care it is wise to plan ahead of time to ensure you make an informed decision for yourself or your loved one. However, the provision of care fees can be overwhelming. Rebecca is focused, attentive and driven on helping clients cut through the complex world of long-term care planning. With a caring and compassionate nature, she provides unique, specific solutions based on individual circumstances and needs to ensure financial peace of mind for you and your family.

Rebecca also provides advice in Pensions & investments, Retirement planning and all protection needs.

Away from work Rebecca has two children and enjoys spending her time participating in various forms of exercises including running and keeping fit.

  • Company: True Potential Wealth Management LLP
  • Member Since: July 2023
  • First Floor, 1 Lower Northam Road, Hedge End, Southampton, Hampshire SO30 4FN

Jonathan Davis Wealth Management

Jonathan Davis BA MBA FCII FPFS EFP

Chartered, Wealth and Later Life Finance Adviser and Economist

Starting my career in 1987 I have gained a wealth of experience within all aspects of financial services including being appointed as the London Chairman of The Institute of Financial Planning.

More recently I became an accredited member of the Society of Later Life Advisers (SOLLA). This additional accolade means I am well-placed to advise on the best way to fund care fees with a close eye on other associated factors such as reducing or potentially mitigating Inheritance Tax.

Since 2004 I have written and published the 2-monthly Booms & Busts Report (further details are on my website) and for almost two decades I have been a regular and valued contributor to various UK media on economics and financial matters.

Appreciating that every family is different I am proud to offer a highly bespoke service, not just within the complex arena of care fees planning but all the other financial aspects of later life.

All initial discussions are all offered without fee or obligation, with my underlying promise that my objectives are to always make you feel as comfortable as possible whist ensuring that your hard-earned money is working for you.

  • Company: Jonathan Davis Wealth Management
  • Member Since: June 2023
  • Hawthorn House, Hoadleys Lane, Crowborough, East Sussex TN6 1TH
  • Solla Member

William Highbourne Wealth Management Limited

Stuart Hutton

Stuart provides financial planning and investment advise to clients and their families in the Gloucestershire area.   He works closely with his clients to help them plan for the challenges and opportunities that later life offers.  He truly believes it is about the relationship between the adviser and client that helps make sure they have that peace of mind to enjoy their everyday life and plan what they want to do, and how their savings can help them achieve this.

He provides advice in all areas of financial planning, including pensions, estate planning and long-term care, working closely with other professionals to support advise on Wills, Trusts, and powers of attorney.

With almost 20 years’ industry experience, Stuart recently merged his business with William Highbourne Wealth Management.  He is a Chartered Fellow and External Specialist Advisor of the Chartered Institute for Securities and Investments (CISI) as well as a Trustee of the Responsible Finance and Investment Foundation. 

Living in Cheltenham, with his wife and four children, he enjoys all that this wonderful part of the countryside brings.

  • Company: William Highbourne Wealth Management Limited
  • Member Since: January 2023
  • 6 Bath Parade, Cheltenham, Gloucestershire GL53 7HL

Irongate Limited

Shannon Craig

Chartered Financial Adviser ACCA APFS Cert CII (MP & ER)

Shannon qualified as a Chartered Accountant in 2012 and before joining Irongate worked as an internal auditor for St. James’s Place. Shannon’s commercial knowledge and financial advisory skills combine to provide a unique proposition when dealing with the needs of business owners and their families.  

Shannon is a member of the Association of Chartered Certified Accountants, the Personal Finance Society and the Chartered Insurance Institute.

  • Company: Irongate Limited
  • Member Since: October 2022
  • Ashgrove House, Jackbarrow Road, Cirencester, Gloucestershire, GL7 7LB

Three Counties Limited

Corryn Wild

Chartered Financial Planner

I am a Chartered Financial Planner and Director at Three Counties Ltd, who have been providing financial advice to individuals and their families since 1989. 

Three Counties is one of fewer than 1000 firms in the UK to be awarded Chartered status, a mark of professional standing that I and all our team are very proud of. Our expertise and support to families for over 30 years, has helped many individuals and their loved ones navigate the financial issues of later life such as paying for care and estate planning.  

Providing sensible, practical guidance at a time when families really need support, especially in a language they will understand, underpins all my advice.  I know that the world of care fees can be daunting, particularly if an individual’s circumstances have changed quickly.  Hence I am proud to be a member of and to have gained the Gold Standard Accreditation for Later Life Advice from SOLLA (Society of Later Life Advisers).  

In my spare time, I enjoy cooking, especially Thai and Indian cuisine, and going for long walks with my family, particularly visiting the Lake District and the Northumberland Coast.  With two young children and an energetic labrador, family life is always busy, but fun-filled!

  • Company: Three Counties Limited
  • Member Since: October 2022
  • Hedsworth One, Bowes Offices, Lambton Park Estate, Bournmoor, Durham, County Durham DH3 4AN
  • Solla Member

William Highbourne Wealth Management Limited

Adam Field

WEALTH MANAGER


Compassion and empathy are at the forefront of Adam’s mind when dealing with elderly clients. Having had family members in care he has a strong understanding of what matters to you and your family, whilst being able to provide a caring and professional approach to helping you arrange care for your loved one.   

As a William Highbourne Wealth Manager, Adam is qualified to advise on a wide range of financial matters which can come into play when organising long-term care such as investments, pensions, state benefits, long-term care insurance, equity release and all-round financial planning. He also has a strong grasp on other matters such as estate planning, wills, trusts and power of attorney which can also be advised upon.   

Adam has a unique grasp of cash flow modelling which will help build a picture of how care costs will be paid for today and into the future. 

In his spare time, Adam enjoys looking after his two children, reading, as well as playing Squash and Basketball when time allows.   

.

  • Company: William Highbourne Wealth Management Limited
  • Member Since: September 2022
  • 32 Rolle Street, Exmouth, Devon EX8 2SH

William Highbourne Wealth Management Limited

Pieter Burger

PRINCIPAL AND CHARTERED WEALTH MANAGER


Pieter is a family man with two grown-up daughters, who has lived in East Devon for 35 years. Pieter originally set up a branch of Raymond James in 2010, which became William Highbourne Wealth Management in 2020. He is a Fellow of both the Chartered Institute for Securities and Investments (CISI) and the Chartered Insurance Institute (CII).

  • Company: William Highbourne Wealth Management Limited
  • Member Since: September 2022
  • 32 Rolle Street, Exmouth, Devon EX8 2SH

Garthland Wealth Limited

Robert Heron

ABOUT

I set-up my own business as an Associate Partner Practice with St. James’s Place Wealth Management in June 2016, when I decided to ‘leave the nest’ of Advanced Financial Strategies, a Senior Partner Practice of St. James’s Place, whom I’d been with for 11 years. Still based in Paisley, I am able to provide advice to clients across West & Central Scotland.

Following graduation from university and prior to joining the financial services industry, I spent 5 years working in Education and Health & Fitness. Now with over 15 years working in the financial services industry, 8 of them with St. James’s Place as an adviser within a Senior Partner Practice, I have gained a wealth of knowledge ensuring I provide the very best advice for my clients. When I took the decision to spread my wings and start my own business the decision was a simple one to continue my association with St. James’s Place.

As an adviser I grew my business on the simple premise of nurturing long-term trusted relationships based on offering bespoke, honest and proactive wealth advice in a quiet self-assured manner.

In line with my professional background, I have focused on developing specialist knowledge and am now a Member of the Society of Later Life Advisers. However, as a representative of St. James’s Place Wealth Management, my service is enhanced and complemented by the provision of advice covering the areas of Investment planning, Inheritance Tax planning and Retirement planning.

  • Company: Garthland Wealth Limited
  • Member Since: March 2022
  • 19 Glasgow Road, Paisley, Renfrewshire PA1 3QX
  • Solla Member

Gilson Gray Financial Management

George Laidlaw

Starting working life in 2007, I began building a career right at the start of the financial crash. This imprinted on me the impact of poor financial planning and the importance of taking action when looking to the future. I have always been interested in people. My experiences to date have helped me to understand what’s important to the individual, and my training in banking and with St. James’s Place has given me the skills to help deliver those important things.

I have always been client-focused. On leaving higher education I worked in management in the retail industry helping to build trust with customers where I learned a great deal about communication and working with people. I then entered the finance industry back in 2014 with Nationwide Building Society and began giving advice to clients in 2015 starting as a mortgage adviser before gaining my qualification in financial advice.

I moved to Stirling in 2013 with my wife Emma. Leaving our home town behind we quickly settled and welcomed a new addition to the family, our dog Eden. Emma and I love the outdoors and spend our weekends exploring the country. I also love golf and can often be found in the rough searching for my ball.

  • Company: Gilson Gray Financial Management
  • Member Since: January 2022
  • 29 Rutland Square, Edinburgh, Midlothian EH1 2BW
  • Region: Midlothian
  • Solla Member

Apex Financial Services Limited

Matthew A Jones

I have been committed to care fees planning arena since joining Financial Services. My SOLLA accreditation and Symponia membership highlights this ongoing commitment to such an important aspect of financial planning.

My aim is to ensure every family has access to the right advice when they need it most. Later life financial planning can hold many challenges; my role is to inform families of their options to create a financial strategy that will give them financial independence and peace of mind.

The Apex ethos is to offer bespoke, high quality advice to create long term relationships with every client we take on.

My qualifications and knowledge are complemented by other areas of expertise, including Investment Planning, Inheritance Tax Planning as well as identifying effective retirement strategies.

Our genuine commitment is to offer clients the opportunity to access advice now, whilst ensuring that any recommendations remain appropriate in the future through regular reviews.

Apex Financial Services 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. Apex Financial Services is a trading name of Apex Financial Services & Wealth Management Ltd.

SJP Approved: 3rd July 2023

.

  • Company: Apex Financial Services Limited
  • Member Since: June 2021
  • 220 Wharfedale Road, Winnersh, Wokingham RG41 5TP
  • Solla Member

Trinity Norfolk Limited

Angus McCrum

Angus started his career in financial services as stockbroker and financial adviser with a large reputable company in the UK. Passionate about people, he progressed into later life advice and advising mature clients.

Over the last 7 years, Angus has developed an affinity for dealing with mature clients and understands their concerns and needs.  He has specialist qualifications in long term care and advanced pension planning enabling him to provide later Life Care planning with additional advice on investments, pensions, inheritance tax and estate planning where required.
Meeting with all his clients face-to-face, Angus is able to build a caring, professional and trusted relationship. Through personal experience, Angus recognises the need for empathy and understanding when providing advice in this area.

A client recently commented, ‘With our limited experience, Angus patiently helped us with what seemed a daunting situation. We needed support and he gave us the peace of mind we were looking for through the process – and we are not disappointed.”

Angus is married with 3 children, all of whom are involved in community work in Norwich.  He enjoys time with his family, as well as enjoying cycling through the countryside.

  • Company: Trinity Norfolk Limited
  • Member Since: May 2015
  • The Enterprise Centre, University Drive, University of East Anglia, Norwich, Norfolk, NR4 7TJ
  • Region: East Anglia
  • NR
  • Ask me about my additional qualifications
  • 1

Crossfield Financial Planning

Carl Crossfield

Based in York, I provide wealth management advice to clients both within the North Yorkshire region and more widely throughout the UK.

In line with my professional background of which I am a Fellow of the Personal Finance Society and a Chartered Financial Planner, I have focused on developing specialist knowledge within the often complex arena of care fees planning to become fully qualified and an accredited member of the Society of Later Life Adivers.

At Crossfield Financial Planning, planning is really at the heart of what we do. We are a family run business and take the time to understand what it is that our clients want and need, and then we produce detailed reports showing their options and outcomes for each one. This really helps our clients understand their situations and what solutions are available.

Outside of my business, I am dedicated family man and love spending time with my wife Charlotte and my young sons Travis and Hugh. I enjoy football, although more watching than playing these days, I am a black belt 1st Dan in Tae Kwon Do which keeps me fit and active. I also enjoy golf, playing the saxophone and mountain & road biking.

  • Company: Crossfield Financial Planning
  • Member Since: October 2017
  • The Laurels, Station Lane, Shipton By Beningbrough, York, Yorkshire, YO30 1AG
  • Region: Northern England
  • TS, HG, HD
  • Solla MemberAsk me about my additional qualifications
  • 1

Horsham Financial Services Limited

Daniel Hanbury

As an Accredited Adviser with the Society of Later Life Advisers one of the recognised benchmarks for advisers who specialise in later life planning – my aim is to ensure that my clients are better informed about the financial issues of later life. As a care fees planning specialist I assist my clients in creating a plan and achieving peace of mind.

Horsham Financial Services are a family business based in Horsham for over 30 years. We are committed to building and sustaining long term relationships based on trust, superior service, and the quality of our initial and on-going advice.

My qualifications and expertise in care fees planning are complemented by the provision of advice covering the areas of investment planning, inheritance tax planning and retirement strategies. Together, we create a working plan, providing you and/or your family with a clear direction towards meeting financial goals; ensuring that plans stay on track with regular reviews.

I help my clients attain financial independence and peace of mind. Do get in touch for a no obligation meeting or simply a telephone call to discuss your needs.

Horsham Financial Services Limited 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. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

SJP Approved: 22nd March 2023

  • Company: Horsham Financial Services Limited
  • Member Since: October 2016
  • Littlehaven House, 24 - 26 Littlehaven Lane, Horsham, West Sussex, RH12 4HT
  • Region: South East England
  • RH
  • Solla MemberMaster PractitionerAsk me about my additional qualifications
  • 1

Protection & Investment

Daniel Kasaska

Daniel Kasaska is married with 3 children and resides in central Berkshire.
Daniel is part of the Protection & Investment Ltd practice, which has approximately 25 advisers throughout the Thames Valley and Hampshire, making the company a significant regional advisory business. The practice contains experts in all areas of financial planning although Daniel is the only person who specialises in Care Fees Planning.

Daniel has been in the financial advisory arena for the past 30 years becoming an IFA in 1991 and starting to work in the Long Term Care field in 1993. Since that time Daniel has become a recognised specialist in this area, helping organisations and care homes with residents and prospective residents planning.

Daniel is a member of The Society of Later Life Advisers, a qualification gained via the Financial and Legal Skills Partnership. He is also a member of the Retirement & Care Faculty and the Equity Release Council.

As a first step in the process Daniel is pleased to offer a free no obligation meeting to discuss your requirements at a time and place convenient to you. Daniel is based at offices in Ascot and Aldermaston and works throughout the ThamesValley and surrounding areas.

Daniels Other Areas of Expertise include:

  • Retirement Planning Strategies
  • Investment & Wealth Management
  • Estate Planning and Inheritance Tax Mitigation
  • Equity Release & Mortgage Advice


This is what clients are saying about him:

“We realised just how invaluable your help and advice has been to both of us over that period. Your advice would seem to have potentially saved us an extraordinary amount of money. So we would like to take this opportunity to sincerely thank you both for everything you have done for us, and look forward to continuing our business relationship as regards to our own investments into the future.”
Mr & Mrs L

“Daniel was patient, helpful and informative throughout – taking the trouble to explain everything in detail throughout – I can’t praise or thank him enough and I will certainly recommend his services to anyone!”
Mrs H

  • Company: Protection & Investment
  • Member Since: May 2005
  • Index House, St George`s Lane, Ascot, Berkshire, SL5 7ET
  • Region: South East England
  • OX, RG
  • Solla MemberMaster PractitionerAsk me about my additional qualifications
  • 1

Rabeya Islam Wealth Management

Rabeya Islam

Rabeya is the Principal partner practice of Rabeya Islam Wealth Management Consultant’ and a Member of the Society of Later Life Advisers. Rabeya has provided financial advice for last 30 years specializing in services for the retired, including care for the elderly, care fees, investment planning, and inheritance tax advice, as well as providing in house mortgage specialists.

Meeting the needs of Elderly clients and their families with links to Legal Professionals, Independent Care Consultants, Property Specialists and providing help towards finding the right care home.

Rabeya joined the financial services as an adviser in 1992 after qualifying as a Certified Accountant, although her degree was in Physiology, she always found subject of health interesting and combining this into figures in the financial planning world of care made the job for her more challenging and rewarding.

Based between the boarders of Enfield and Barnet, Rabeya likes to provide friendly face to face advice. Choice is the key ingredient for her clients, providing solutions that are reassuringly straightforward, with an emphasis on building up relationship and trust.

All dealings with clients are dealt with in a compassionate and caring manner in total confidence. With the emphasis of building and preserving wealth through sensible planning, her practice has grown through personal recommendations from satisfied clients and maintaining long relationship with clients through regular reviews.

Rabeya is married with two children and spends her spare time fund raising for the local community and her children`s schools.

  • Company: Rabeya Islam Wealth Management
  • Member Since: February 2014
  • York House, 23 Kingsway, West End, London, WC2B 6UJ
  • Region: South East England
  • N, E
  • Solla MemberMaster PractitionerAsk me about my additional qualifications

Bespoke-Advice Limited

Richard Bywater

Working as a close team Nicola and Richard Bywater have been advising clients for a combined period of 40 years and pride themselves on the long standing relationships they have with their clients, a number of whom have been with them throughout .

They specialise in advising older clients with regard to care fees planning, investment advice and Inheritance Tax advice although a lot of their clients ask them to advise their families on various financial issues.

Nicola and Richard have experienced the problems that people encounter later in life not only with their clients but also within their family and therefore understand how emotional it can be when a loved one needs care. They are proud of their reputation as professional, caring advisers.

Married for 12 years they have two boys, Daniel (10) and Sam (6).  Both boys love sports including football, swimming, karate, cross country, golf and cycling. 

Nicola and Richard also enjoy cycling and spending time as a family.  Recently Richard cycled to Paris to raise money for Birmingham Children’s Hospital and Nicola and the boys were very much involved meeting him on the finish line.

You are welcome to contact Nicola and Richard at any time for an initial discussion or meeting for which there will be no charge, pressure or obligation. They will listen to your own personal circumstances and advise you accordingly.

  • Company: Bespoke-Advice Limited
  • Member Since: October 2005
  • 24 Dower Road, Sutton Coldfield, B75 6UA
  • Region: The Midlands
  • Master PractitionerAsk me about my additional qualifications
  • 1

Burfields House Wealth Management Limited

Robin Quirt

After moving to the UK from Canada in 2011, Robin transitioned from the world of academic physics to financial advice and has not looked back.

As a self-confessed admirer of complex ‘financial puzzles,’ Robin works closely with clients and their families to help deliver their lifestyle and financial goals in a holistic, efficient manner. This includes navigating the often confusing world of private care fees to ensure clients and their loved ones are well looked after at this stage in their lives.

Key to Robin’s planning is communicating with the next generation to oversee the well-laid investment and tax planning continuing to benefit families for generations to come. Her expertise is backed up by the many exams and qualifications she has obtained in a relatively short time. She is proud to be a Chartered Financial Planner, a Fellow of the Chartered Institute of Insurers and the Personal Finance Society.

Robin has also earned industry recognition by being awarded:

  • ‘Best Candidate’ – The Sussex Chartered Insurance Institute, 2014 and 2015
  • ‘Best Completed Advanced Diploma in Financial Planning’, 2017/2018
  • ‘Best Completed Fellowship in Financial Planning’, 2018/2019

Burfields House Wealth Management Limited 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.

SJP Approved: 29th April 2024

  • Company: Burfields House Wealth Management Limited
  • Member Since: November 2019
  • Burfields House Wealth Management Limited,, Burfields House, The Plain, Goudhurst, Cranbrook, Kent TN17 1AE
  • Region: South East England
  • SE, CR
  • Solla MemberAsk me about my additional qualifications

Brownlow Wealth Management Limited

James Rudd

James Rudd is a Director of Brownlow Wealth Management Limited. This small family run company has been in business for thirty years and specialises in services for the retired, including care for the elderly, care fees planning, investment planning advice and inheritance tax advice.

James is fully qualified to advise in the more complex area of care fees planning and has been a financial adviser since 1994. He is based in Hertfordshire and provides friendly face to face advice, specialising in care fees planning, inheritance tax planning and investment planning.

He is particularly good at providing clear choices for his clients, which provide care fees solutions that are reassuringly straightforward, with an emphasis on estate preservation. All dealings with clients are dealt with in a compassionate and caring manner in total confidence.

He can help with links to specialist solicitor firms and can also help you find a suitable care home.

James lives in St Albans and has three young children, enjoys travel, cycling, cricket and squash and has a keen interest in playing as well as listening to music.

Brownlow Wealth Management Limited 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.

SJP Approved 22nd February 2024

  • Company: Brownlow Wealth Management Limited
  • Member Since: April 2007
  • Piggeries 1, Widbury Barns, Widbury, Hill, Ware, Hertfordshire SG12 7QE
  • Region: South East England
  • HP, MK, NN, LU
  • Solla MemberMaster PractitionerAsk me about my additional qualifications
  • 1

Thompson Financial Limited

Sally Thompson

Sally Thompson has been awarded the title Chartered Financial Planner by the Chartered Insurance Institute (CII) and has recently completed (and passed with merit) her Master’s Degree in Wealth Management.

Her expertise means she offers distinct quality, integrity and excellence in everything she does to ensure her clients have peace of mind at all times.

Sally believes that face to face advice is an integral element of everything she does as it is vitally important for her to get to know each client and/or their family properly.

The majority of Sally’s clients are predominately based in South East, South and South West England, although she does look after an increasing number in Belfast and the surrounding areas.

The Partner Practice 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.

The title ‘Partner Practice’ is the marketing term used to describe St. James’s Place representatives.

  • Company: Thompson Financial Limited
  • Member Since: January 2010
  • Twinney Acre, Susans Lane, Upchurch, Kent ME9 7HA
  • Region: South East England
  • ME, CT
  • Master PractitionerAsk me about my additional qualifications

AisaProfessional

John Reid

Working with AisaProfessional, a truly Independent Chartered Financial Adviser, I have considerable experience in inheritance tax planning, advising on trusts and in investment matters. As well as advising clients, I have other responsibilities such as creating the investment portfolios as a member of my company’s investment committee.

Having dealt with the issues in Long Term Care during my mother’s Alzheimer’s disease, I am aware that you are looking for advice at a very sensitive and difficult time.

My aim is to provide clients with the appropriate advice and service in a compassionate and constructive manner to enable you to make the right choices for you and your loved ones.

The current care regime can look incredibly complicated when you first look at it. I consider it my job to guide you safely through the maze, specifically ensuring that:-

a) The person needing care gets the best available treatment.
b) The correct level of State benefits are being claimed.
c) As far as possible your assets are preserved for you and your family.
d) You receive an ongoing service.

I live in Norwich but am based in an office in Cambridge so if you require assistance in either area, I can easily accommodate your requirements.

  • Company: AisaProfessional
  • Member Since: July 2012
  • The Barn, 41a Glover Street, Over, Cambridgeshire, CB4 5PQ
  • Region: East Anglia
  • PE
  • Ask me about my additional qualifications

Lifestyle Future Limited

Simon Adkins

In 1995, after completing an economics degree at Bristol University Simon established his career in financial services. Having worked in several aspects he opted to focus in the provision of ‘Later Life Advice’ directly to clients and their families back in 2002.

He is particularly keen to provide advice to care home residents and their families on all issues relating to care fee funding. His decision to specialise in this area followed a personal experience, witnessing both the emotional and financial stress that his parents went through when his grandmother had to move into a care home.

As such Simon is an accredited member of The Society of Later Life Advisers, and prides himself on being both a professional and caring adviser to those who need help at what is often a highly emotional and confusing point in clients’ lives.

Outside work, Simon enjoys participating in numerous sports, with a passion for golf and outdoor life in general.

You are welcome to contact Simon at any time, if only for an informal chat about your own or family circumstances. He will be pleased to provide you with any information that you may need, and if appropriate, comprehensive advice that is specific to your circumstances.

  • Company: Lifestyle Future Limited
  • Member Since: June 2018
  • Southerly Park, Binton, Stratford-on-Avon, Warwickshire, CV37 9TU
  • Region: The Midlands
  • CV, WR
  • Solla MemberAsk me about my additional qualifications

Verso Wealth Management

Julie Calvert

I’ve nearly 40 years industry experience and have been with Verso (formerly known as Pavis Financial Management) for close to 25 years. I’m a Chartered Financial Planner and won the Outstanding Financial Services Personality (2020 Women in Business Awards) which was a great achievement.

My particular expertise is in providing friendly, face-to-face holistic financial advice for my clients and their family members, including care fees, investment and inheritance tax planning advice.

All my clients have a diverse range of needs and objectives, which means that the options and solutions for each family will differ. I recognise this and my objective is to enable clients to choose where they receive their care, with the peace of mind that they will be able to meet rising care costs indefinitely. My clients find me compassionate, empathetic and professional.

I am an Affiliate member of the Society of Trusts and Estate Planners (STEP) and a Vice President of the Insurance Institute of Liverpool. In my spare time, I enjoy hiking, cycling, yoga and travel.

  • Company: Verso Wealth Management
  • Member Since: November 2009
  • 4 St. Pauls Square, Liverpool, Merseyside, L3 9SJ
  • Region: North West England
  • WN
  • Ask me about my additional qualifications

St James's Place Wealth Management

Simon Lipp

LONG TERM CARE SERVICE

I understand that when the time comes to think about care services for yourself or those close to you, it can be a very stressful process.

Speak to me and, using my specialist knowledge and vast experience, I will help you consider the important issues including:

  • Mental capacity
  • Eligibility for state benefits
  • Lasting or Enduring Powers of Attorney*
  • Funding
  • The type of care home required
  • The best location for the care home

Whether you are in need of care and are funding the care yourself, or you are arranging the care of your loved ones, I have the experience and local connections to help you prepare for this new step in your life.

  • Company: St James's Place Wealth Management
  • Member Since: February 2017
  • St. James’s Place House, 3 Queen’s Gate, Aberdeen, AB15 5YL
  • Region: Scotland
  • DD, PH, IV
  • Solla MemberAsk me about my additional qualifications

Chiltern Consultancy Limited

Nick Kidby

Nick is a highly trusted and experienced finance professional. He advises both the professional market and individual clients, working closely with families to provide a comprehensive financial support strategy.

As an experienced financial planner, he supports his corporate & individual clients in relation to:

  • Protection planning
  • Tax efficient Savings & Investment
  • Retirement strategies (including workplace retirement planning)
  • Estate planning – including wealth creation, investment portfolio construction, later life care strategies, equity release, lifetime & general mortgages.

Through a detailed holistic approach, Nick helps his clients to consider and define their lifetime planning objectives, explaining the options available supporting clients and their families in making the best-informed choices, which provides them with confidence in their financial future.

As a later life professional adviser Nick liaises with his clients, their family and financial providers, working with the Power of Attorney to support the best financial outcome for care provision and its funding.

Nick is a very keen swimmer, motorcycle tourer, cricket and rugby enthusiast. His sports interests mean that he rarely gets the time to support his other passion Campaigning for Real Ale (CAMRA) although he has been successful in combining both of his passions by helping fund raising beer festivals for his local village, supporting a local charity for the community as well as club.

  • Company: Chiltern Consultancy Limited
  • Member Since: August 2014
  • Stokenchurch, High Wycombe, Buckinghamshire, HP14 3FE
  • Region: South East England
  • Solla MemberAsk me about my additional qualifications

Bespoke-Advice Limited

Nicola Bywater

Working as a close team Nicola and Richard Bywater have been advising clients for a combined period of 40 years and pride themselves on the long standing relationships they have with their clients, a number of whom have been with them throughout .

They specialise in advising older clients with regard to care fees planning, investment advice and Inheritance Tax advice although a lot of their clients ask them to advise their families on various financial issues.

Nicola and Richard have experienced the problems that people encounter later in life not only with their clients but also within their family and therefore understand how emotional it can be when a loved one needs care. They are proud of their reputation as professional, caring advisers.

Married for 12 years they have two boys, Daniel (10) and Sam (6).  Both boys love sports including football, swimming, karate, cross country, golf and cycling.  Nicola and Richard also enjoy cycling and spending time as a family.  Recently Richard cycled to Paris to raise money for Birmingham Children’s Hospital and Nicola and the boys were very much involved meeting him on the finish line.

You are welcome to contact Nicola and Richard at any time for an initial discussion or meeting for which there will be no charge, pressure or obligation. They will listen to your own personal circumstances and advise you accordingly.

  • Company: Bespoke-Advice Limited
  • Member Since: October 2005
  • 24 Dower Road, Sutton Coldfield, West Midlands, B75 6UA
  • Region: The Midlands
  • CV
  • Master PractitionerAsk me about my additional qualifications
  • 1