Advice on care
Impartial Care Fee Advisers

Advice on care

Experts in paying for care

Care Fees Advice

As too many people know – care fees can very quickly erode the savings you or your parent has spent their entire life accumulating. That’s why professional care fees advice at an early stage can be invaluable - if your parent or relative is to continue to receive the care they deserve.

The importance of receiving professional care fees advice

Although local authorities in England should now signpost anyone needing to pay for their own care to obtain professional care fees advice, the degree they do this and also offer information to self-funders differs quite considerably around the country. Indeed many of the families we help report that once their Local Authority knows there is a house, they are simply told they will have to pay their own care fees and left to fend for themselves.

It’s not surprising therefore, that nearly:-

1 in 4 people who need to be self- funder unfortunately run out of money*.
*Source: LGIU Independent Ageing Report 2013

Don’t be one of these, and certainly if you are acting as Power of Attorney in order for you to fulfill your obligations of acting in your donor’s best interest, we feel you should be able to evidence that you have received such professional care fees advice by initially requesting a full market comparison of ALL care fees annuities and then arranging a consultation with a professional care fees adviser such as ourselves.

What care fees advice do we offer?

We appreciate, that people’s needs vary and therefore tailor our care fees advice accordingly. Consequently we offer three different levels of care fees advice, namely:-

Checking Local Authority Financial Assessments/ Direct Payment Awards

Designed to principally check Direct Payment Awards, this service can also help identify possible additional social security benefit and or NHS Continuing Health Care entitlements and also advise on options for self-funders to pay for care.

To arrange a check please call us on Freephone 0800 180 4336.

Please Note: This will be a telephone based consultation and we will ask you for details of your financial situation and copies of any financial assessment you have received. To cover the time involved we will make a flat rate charge of £200 but hope to save you far more than this.

Care Fee Annuity Quotation Service

Ideal for families and POA’s who have already heard of, or even previously purchased a care fee annuities, here we will obtain quotes on such annuities, analyse, advise on and set up care fee annuities.

For more information and to request your FREE no obligation quotes from ALL providers click here.

Please note: Such care fee annuities are NOT offered on an execution only basis and to ensure they are suitable should you wish to proceed after receiving the quotes, it would require our full care fees advice service.

Full Care Fees Advice

Designed for families and POA’s who are, or will soon will need to be, paying for care and wish to create a robust care fees plan to both minimise the cost of care and ensure continued funding.

This is a full advisory service and will include all the STEPS shown below under "How professional care fees advice can help".

How to request professional care fees advice

If you would like help in paying for care or nursing home fees, it couldn’t be easier, no matter where you live in England and Wales, simply fill in our enquiry form or call us on FREEPHONE 0800 180 4336 and an adviser will call you back to discuss a suitable appointment. If you live in Scotland currently we have no suitably qualified advisers in your area but are still willing to help by phone and email.

Request your Care Fees Consultation

Your dedicated, specialist care fees adviser will meet with you, discuss your concerns and circumstances and explain all your funding options. He will then work with you to design a personalised care fees plan which will not only minimise the cost of care but also aims to ensure money will never run out.

To book a consultation call FREEPHONE 0800 180 4336 or request an appointment below.

How Professional Care Fees Advice can help

Only financial advisers who hold a specialist long term Care qualification and have the necessary experience can provide care fees advice and or advise on Care Fee Annuities. Not many general advisers have such qualifications or experience. Of those that can, only a relatively small number, further demonstrate their expertise by becoming accredited by SOLLA (Society of Later Life Advisers). I am pleased to say our principal is SOLLA accredited. As a result we are proud that many general financial advisers consistently chose us to refer their clients to for specialist care fees advice.

You can be assured, therefore, that not only will you receive the very latest and trusted care fees planning advice, but your consultant will help you by:-

Step 1


Obtaining, FREE of charge, no obligation, quotes on all available

Care Fee Annuity

Step 2


Meeting with you to fully understand financial circumstances


Checking entitlement to both FREE NHS Continuing Healthcare and State Benefits.

Step 3


Analysing and preparing your professional and highly personalised care fees report which will look at and assess all funding options.

Step 4


Agreeing and implementing your chosen care fees plan.

Step 5


Periodically reviewing with you that the plan remains appropriate /obtaining top up annuity quotes (if necessary)

Please note: To cover travel costs and time spent both with you and to provide you with your detailed personalised report, we do charge a small flat fee of £500 to cover steps 2&3

By doing this, time and again we find our professional care fees advice can save our families thousands of pounds and give them the peace of mind they want in ensuring their care can continue indefinitely.

We would now to offer you the same professional advice.


Contact us

Head Office Address:
Advice on Care
267 Barrowby Road, Grantham, Lincolnshire, NG31 8NR

Southern Regional Office Address:
Advice on Care
40 Caversham Road Reading, Berks, RG1 7EB

Telephone: 0800 180 4336



Financial News

Our Digital Magazine

To receive every issue of our magazine by email, simply register your name and email address in the form below.

Cookie Policy    Privacy Notice    Disclaimer

The information contained in this web site is for general information only and is not financial, investment or tax advice. It is also subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. If you would like to discuss a particular issue or generally ask us how we can advise on your particular situation then please contact us.

Advice on Care is a trading style of Keith Hargraves who is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.

© Copyright 2019 Advice on Care.