Services · Paying for Care
Deciding to place a parent into care often brings a storm of emotions: guilt, grief, stress, and deep uncertainty. You don’t have to navigate the financial complexity of this moment alone — we are here to help.
You may be feeling overwhelmed because your mother’s physical and mental health needs have become more than she can manage on her own, and more than you can safely handle. The emotional weight and the financial concerns can be just as daunting.
It may feel like your parent’s hard-earned savings are disappearing rapidly, or like you’re facing a kind of “one hundred percent taxation before death.” On average, a home is sold every few minutes to fund care — leaving families facing the challenge of understanding how best to pay, what the options are, and how much time they have.
These are questions every family faces, and you deserve clear, compassionate answers. The sooner you have a plan in place, the more options you retain — and the less your parent’s hard-earned wealth is eroded by uncertainty.
How long will her money last given the cost of the care she needs?
What happens to her home and savings once care costs begin?
What benefits am I entitled to — and am I currently claiming everything available?
What are my rights when it comes to paying for her care — and what can I do to protect the family’s assets?
We understand what you’re going through — because we’ve been there ourselves. Navigating long-term care planning can be complex, but we’re here to help. Together, we can explore the various options available for funding care costs, including eligibility for state benefits, income, pensions, investments, or savings.
We’ll work with you to develop a straightforward, low-maintenance strategy that best suits your parent’s needs and adapts over time. For those with a lump sum, perhaps from selling a property, we can help you consider the most effective ways to invest or allocate those funds.
State benefit eligibility — ensuring every entitlement is identified and claimed from day one
Funding strategy drawing on income, pensions, investments, and savings in the most tax-efficient way
Lump sum investment advice for families who have received proceeds from a property sale
Ongoing reviews — a strategy that adapts as your parent’s needs and circumstances change over time
It is reassuring to involve a specialist financial adviser and to get an independent perspective on the financial arrangements for your loved one’s care. We have the experience to know what works — and we’ll create a plan that provides peace of mind now and flexibility for the future.
Let’s have an open, supportive conversation about your options. You deserve clarity, not more confusion — and a plan that means your parent’s wealth is used wisely, protects as much as possible, and supports them with dignity.
An honest assessment of how long the funds will last under different care scenarios
Immediate needs annuities and other care funding products explained in plain English
Protecting as much of the family estate as possible within the rules — legally and responsibly
Peace of mind that the people you love most are cared for — without the family facing financial ruin
From understanding what you’re entitled to, to planning how care is funded long-term — we take the complexity away so you can focus on what matters most.
Understanding where to begin — from assessing the level of care needed and choosing a suitable care home, to knowing your rights and what questions to ask from the outset.
Guidance on what happens to the family home — whether to sell, retain, or defer — and how to protect the property within the rules.
A sustainable, low-maintenance plan drawing on income, pensions, savings, and investments in the most tax-efficient order — tailored to your parent’s needs.
Specialist advice on care funding products that provide guaranteed income for life — removing the risk that care costs will deplete all remaining assets.
If a property has been sold to fund care, we help allocate those funds wisely — balancing liquidity, growth, and income to meet ongoing care costs.
Care needs evolve. We provide regular reviews to ensure the plan continues to work as your parent’s health and financial circumstances change over time.
“Very thorough, clear and supportive. Thanks for your help and support over the last twelve months — so very much appreciated by all of us.”
“Good, clear and precise advice and all questions answered. I feel very happy with Clive's advice and look forward to future co-operation.”
“Complete clarity and a real effort to empathise with our needs. Supportive Financial Planning make every effort to meet their customers' needs and provide excellent financial advice.”
“First class advice — I finally feel ecstatic and relieved. Thank you. The weight I'd been carrying for years simply disappeared after our first session.”
“Clive has taken a huge load off my mind — I trust him completely. I finally feel like someone truly has our family's best interests at heart.”
“Clive, you give us all the time and understanding we need. We never feel rushed. We always feel heard. Thank you from the bottom of our hearts.”
Let’s have an open, supportive conversation about your options. We have the experience to know what works and the warmth to guide you through it. Our free consultation is the first step — and it costs you nothing.
