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Inheritance Tax
can reduce an estate
by 40%

Divorce
can reduce an estate
by 50%

Long Term Care
can reduce an estate
by 100%

For more than twenty years we have been listening to and helping people who have found themselves needing to self fund their care.

The care funding system is both complex and inequitable and often encountered at a stressful and emotional time especially if the person is trying to find a suitable care home unexpectedly. These days hospitals are very often short of beds and are looking at the earliest possible discharge which can add to the pressure of an already difficult situation.  And then there is the issue of paying for the care.

The local authority funding system is complex and often results in misunderstandings about entitlement and the levels of funding available. In reality for those self funding their care the total amount of none refundable financial support can often equate to less than one months care fees.

Meeting a challenge for the first time can be a steep and time consuming learning curve fraught with pitfalls and the decisions made at the outset of funding care can have profound effects later on.

Our approach encompasses the many different legal and financial elements to self funding care in order to help achieve an efficient and effective way of being able to meet care costs and protect capital.  These range from legal issues such as powers of attorney, wills and property ownership through state benefit entitlement, local authority funding, taxation, the sale or rental of property and the financial options for the allocation of capital including care annuities.

We achieve this through the provision of legal services, regulated independent financial advice and general guidance and administrative support in whatever combination is appropriate for our clients.

And over the years most of our clients have been able to achieve a far better outcome from self funding their care than they imagined possible at the outset.

I would like to take this opportunity to express my sincere thanks for all your help you gave my aunt and uncle in recent years… Mr B, Tenbury Wells
Read more on our testimonial page…

Decisions at the outset of funding care can have

profound effects later on.

Most of our clients have been able to achieve a far better outcome than they

imagined possible