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Case Study

Preparing for later life with clarity and care.

Simon Briggs
Guided by Simon Briggs, Chartered Financial Planner, Director & Compliance Manager

Client profile

A family reached out to us for guidance as their loved one was beginning to show signs of needing long-term care. Their priority was to ensure the right support was in place -without putting the family’s financial future at risk.

Initial position

Although they recognised the importance of planning, the family had not yet explored how best to fund care or protect their relative’s estate. They were unsure what support might be available and what steps to take next.

Their objectives

They wanted a clear, structured plan to:

  • Understand the costs of care and how they could be met
  • Protect the family’s assets for future generations
  • Ensure the right legal protections were in place

Our approach

We carried out a thorough review of the family’s financial position and explored all care funding options available to them. This included:

  • Self-funding through personal savings or property
  • Eligibility for government support
  • Benefits from any existing long-term care insurance
  • The use of trusts or financial products designed to help preserve wealth

 

We also provided a detailed analysis of potential care costs over time to help them make informed, sustainable decisions.

Strategies implemented

To support their goals, we helped the family implement:

  • A protective trust, shielding key assets from future care costs
  • Lasting Powers of Attorney, giving trusted individuals the legal authority to make financial and health decisions
  • Collaboration with legal professionals to ensure all arrangements were thorough and watertight

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The outcome & client reflections

Simplifying the complex

We explained each element of the plan in straightforward, practical language, helping the family feel confident in the decisions they were making. Where needed, we used visual aids to break down complex concepts and show how the strategy would work over time.

The outcome

The family now has a clear, long-term plan in place. They feel prepared to meet the costs of care, while protecting their loved one’s wishes and estate. With the legal and financial structures now in place, they have peace of mind for the future.

Client reflections

They described our support as transformative. The personalised advice and clear guidance gave them confidence in a difficult situation. Most of all, they felt reassured knowing that their loved one’s care, and the family’s financial wellbeing, was being looked after with care and foresight.

When you're ready, so are we

Facing care decisions for a loved one can feel overwhelming. Like this family, we can help you put the right financial and legal plans in place to protect what matters most.
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