Why It Matters
Care needs in later life are often unpredictable. While some people need little support, others may require long-term nursing care. In Bristol, costs can reach £90,000 per year. With expert guidance, you can plan confidently, making the most of your pensions, savings, investments, and property to cover care if it becomes necessary.
Whether arranging and funding care for yourself or acting on behalf of a loved one as an attorney, seeking advice early can potentially save thousands of pounds. If the person needing care is a self-funder, it’s especially important to understand all the available options as soon as possible.
How We Help You Plan
We take a holistic, responsive approach, reviewing all your assets to help fund care in the most tax-efficient way. Rather than trying to predict every detail in advance, we focus on strategies that adapt as circumstances change.
If you have the duty of organising financial affairs for another person via Lasting Powers of Attorney, please know that we are skilled at working with attorneys to help them make ‘best interests’ decisions and we’ll support you in your role every step of the way.
Our advisers are proud to be SOLLA Accredited, the gold standard in later life financial advice, giving you access to specialist knowledge that few advisers can offer. This includes arranging Immediate Care Plans (ICPs) which is a solution only offered by advisers with specific credentials, and advice on other ways to fund care efficiently.
We also provide robust signposting to trusted organisations for care providers, support services, and practical assistance, so you and your loved ones are fully supported.
Common Situations We Help With
Planning for potential long-term care needs for yourself or a loved one
Understanding all options for funding care efficiently, including Immediate Care Plans
Seeking guidance from later life specialists (SOLLA-accredited)
Using pensions, savings, investments, and property to cover care costs effectively
Accessing trusted care providers and practical support through signposting
Later life care can be complex and costly, but you don’t have to face it alone. Get in touch today for a no obligtion chat with a later life planning specialist.
Testimonials
I have known Richard Higgs for a number of years. I first met Richard when he was visiting my parents for their yearly review on investments & could immediately see how professional he was. He has all the financial advisor qualifications. He later helped me merge 3 pensions into one. At all times he helped me understand what was happening.
Ten years ago a smart young man knocked on our door and introduced himself as Richard Higgs, asking if he could provide any financial advice to us through his new business. Since then Richard’s business, now Harold Stephens, has grown with his team providing a personal and caring service with sound and well researched advice enabling our investment to grow.
Alongside the business he and his team make time for many fund raising events benefitting several charities encouraging his clients with social and fun events.
