Clive Barwell TEP FCSI CFP

Clive Barwell
TEP CFP Chartered FCSI

Accredited Member of the Society of Later Life Advisers

Call me for a chat on
0800 074 8755

Blog | Monthly Archives: June 2014

Lasting Powers of Attorney – What are they and do I need one?

Everyone, regardless of age, should have a Lasting Power of Attorney for Property & Financial Affairs (unless you already have a valid and adequate Enduring Power of Attorney) and for Health & Welfare.

Planning For Retirement – The Uncertain Generation

If you’re born between around 1961 and 1981 and are worried about your future retirement plan, you are most likely part of the Uncertain Generation (or U-Gen).

Sandwiched between the better known Baby Boomers and the younger Millennials, you’ll most likely be facing a great deal of uncertainty, with regards to your retirement fund, and may include some complex financial needs.

What do the new rules mean for your pension?

The 2014 Budget proposed some major changes to the way in which people can access their pension savings, but what does that mean for you?

What is “financial planning”? A case study – the Council House.

I liken the whole process to satellite navigation in the car – I work out where someone is now, where they want to go, plot a course and then keep them on that course, avoiding the financial obstacles en route.

You’ve attempted to shelter your assets; but will the Council actually pay for your care?

Elsewhere I have discussed Asset Protection Trusts, Wills and other means of sheltering assets so that an individual becomes eligible for Council help with care costs, but will that help actually be forthcoming?

One of the factors I have discussed in each of these blogs is Deliberate Deprivation and, if the Council can prove that this has occurred, then help with care costs may not be forthcoming. However, there are other factors that need to be taken into account, which are the Social Care Eligibility Criteria.

Accredited SOLLA Advsior