Professionally Qualified
Consultants

Here to guide you through all of your estate planning requirements and offering financial advice you can trust.

Will Writing Service

We can provide you with a single or mirror will which will make sure all of your inheritance is handled in accordance with your wishes.

Power of Attorney

Creating a Power of Attorney in advance ensures that if the worst were to happen, you can rest assured that both your financial affairs and personal welfare are in safe hands.

Will
Writing

If you have dependant relatives, own a property, or have any type of asset which you wish a loved one or charity to benefit from then you need to make a will.

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Estate
Planning

Estate planning is an important element of your wealth management strategy, as it allows you to continue to help your loved ones after you're gone.

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Affiliates

We currently work with a large network of financial advisers who trust us to look after their clients estate planning needs.

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Messenger Financial Management : Cost Of Care

Cost of Care

How do I protect my home and assets from care costs?

Most of us work very hard over the years to buy our own homes and build up our savings for our retirement and would like to leave a “little something” for our children and grandchildren after we are gone.

Unfortunately, the costs involved in moving into a Care Home can literally wipe out your entire savings and your home may have to be sold to pay for care fees. This could mean that your loved ones could receive very little, or even nothing at all of what you originally intended them to have.

When someone enters care they are automatically “means tested” and ALL of your assets, including your home are taken into account. Only those who have very few assets will escape the costs of care.

If you fail to act now...

  • Your home may have to be sold to pay for your Long Term Care costs.
  • Your savings and investments could be wiped out.
  • Any income would be assessed and used towards the cost of your care.
  • Your children and grandchildren could lose their entire inheritance.

Firstly, it is important to safeguard your home. By simply changing the way you own your home, combined with the appropriate Trust planning, will effectively ensure that your property is protected should either of you enter care. Also, by simply changing the way any other assets are invested and held, can ensure that your cash or liquid assets are also protected from Care.

 

Information Leaflets

We have produced a number of information leaflets which we hope you will find useful.

If you require any more information or you would like a free no obligation consultation then please Click Here to go to our free consultation enquiry form.

Testimonials

  • Male testimonial
    17th September

    "Thank you for all your help"

  • Female testimonial
    16th September

    "I feel this is more personal service........ Very Happy !!! Thank you :)."

  • Female testimonial
    9th September

    "Very helpful and understood exactly what I wanted."

  • Female testimonial
    26th July

    "The representative was very clear and extremely helpful."

  • Female testimonial
    16th May

    "The representative you sent was courteous, contacted me prior to arriving early, and made things uncomplicated and relaxed. Thanks."

  • Female testimonial
    26th April

    "James Messenger is very 'user friendly'. A good listener and answers all questions reassuringly. He talks you through the process explaining each stage clearly with no jargon."

  • Female testimonial
    2th April

    "James Messenger clearly knows his 'stuff' and instils confidence. Helpful with other 'death related' legal topics. Would recommend."

  • Female testimonial
    09th April

    "Professional service."

  • Female testimonial
    22nd March

    "Have not actually had appointment yet but already impressed with my dealings with your company by the helpfulness of your staff when I made initial enquiries."

  • Female testimonial
    07th March

    "Thanks for your time and sorry to keep you so late on a Friday evening. We look forward to receiving our Wills etc..."

  • Female testimonial
    03rd March

    "Good knowledge of products offered by your advisor."