Harold Stephens

17/09/2026

Most of us hope we won't need long-term care. But have you ever considered how you would pay for it if you did?

For some people, the biggest challenge is not simply the cost of care but understanding the decisions that may need to be made.

Should you use savings first? What happens to investments? Could your home be affected? How long might your money need to last?

These are some of the questions we'll be exploring over the coming months as we focus on sharing information about Care Fee Planning.

16/09/2026

When should you start planning for the possibility of paying for care?

For many people, it is something that is only considered when a care need has become immediate.

By that stage, families may be facing difficult decisions about income, savings, investments, property and how long money may need to last.

Planning ahead can give you more time to understand your options and consider what may be right for your circumstances.

In our latest article, we look at why seeking independent specialist advice can be an important part of planning for care funding.

https://www.haroldstephens.co.uk/blog/planning-for-paying-for-care/

Discover the importance of planning ahead for long-term care and the potential financial consequences of leaving it too late. Learn about the average costs of residential and nursing care, the risks of depleted savings and assets, and the available financial tools to protect your wealth. Seek profes...

22/06/2026

You might have a Will and/or Lasting Powers of Attorney but how do these legal arrangements interact with inheritance tax, care funding decisions, investment/pension planning? Having an incoherent Estate Plan can create unwanted surprises for your loved ones.

Why not join us for a free estate planning seminar - kicking off tomorrow at St Peter's Church in Henleaze! Come and gain a clear understanding of the practical steps you may need to take to ensure you have a joined up plan.

Call 0117 3636 212, email [email protected] or visit https://www.haroldstephens.co.uk/events/2026/4/28/estate-planning-seminars-2026 to find out more.

https://youtube.com/shorts/Uz-3Y_sTXQg

21/06/2026

If you are concerned about a vulnerable or disabled loved one and you would like to consider this within your estate planning, here's a video to get you started.

Please do get in touch if you would like to know more, we're happy to chat through your situation. Give us a call on 0117 3636 212 or email [email protected]

Find out whether a Disabled Will Trust could be suitable for your c...

21/06/2026

Around 50% of the UK population don't have a valid Will. If you're yet to decide whether to organise yours, here's a brief explanation about why it's so important:

The first step to ensure your estate plan reflects your wishes is t...

21/06/2026

https://youtube.com/shorts/hWvOyynkJSg?feature=share

Whether you have LPAs already or you’re looking in to organising th...

20/06/2026

Lasting Powers of Attorney involve strict rules around gifting and managing another person’s finances. This article explains what attorneys can and cannot do, when Court of Protection approval is needed, and how financial planning and Letters of Wishes help ensure decisions remain aligned with the donor’s best interests.

Whether you're going to be the donor or attorney of a Lasting Power of Attorney, you may benefit from attending one of our free upcoming seminars. Get in touch to book your place:

Lasting Powers of Attorney involve strict rules around gifting and managing another person’s finances. This article explains what attorneys can and cannot do, when Court of Protection approval is needed, and how financial planning and Letters of Wishes help ensure decisions remain aligned with the...

20/06/2026

Many retirement plans focus on investment performance and income sustainability but overlook a crucial risk: loss of capacity. Lasting Powers of Attorney provide a framework for trusted individuals to manage pensions, investments and financial affairs when needed, helping ensure long-term plans remain aligned with your wishes.

If you are yet to organise your Lasting Powers of Attorney, please feel free to get in touch to request a free copy of our estate planning guide - it has everything you may need to start thinking about within. Call 0117 3636 212 or email [email protected]

Many retirement plans focus on investment performance and income sustainability but overlook a crucial risk: loss of capacity. Lasting Powers of Attorney provide a framework for trusted individuals to manage pensions, investments and financial affairs when needed, helping ensure long-term plans rema

19/06/2026

Lasting Powers of Attorney, estate planning and Immediate Care Plans can work together to protect your family’s finances and future care needs. Find out why early planning matters, how care fees can affect an estate, and the steps attorneys and families can take to make informed later life decisions.

This article explains how Lasting Powers of Attorney, estate planning and Immediate Care Plans can work together to protect your family’s finances and future care needs. Find out why early planning matters, how care fees can affect an estate, and the steps attorneys and families can take to make i...

19/06/2026

You may be able to protect your family home and help safeguard your children’s inheritance with a Property Protection Trust. This guide explains how these trusts work, when they may be appropriate, and how they can help with disinheritance concerns and future care fee planning.

If you would like to know more about the options available ot you in estate planning, please get in touch for a relaxed chat about your situation. Call 0117 3636 212 or email [email protected].

We have a series of free seminars coming up if you would like to come along to a gentle introduction to estate planning to see if there may be gaps you could address. Full details within the article. Get in touch to book your place.

You may be able to protect your family home and help safeguard your children’s inheritance with a Property Protection Trust. This guide explains how these trusts work, when they may be appropriate, and how they can help with disinheritance concerns and future care fee planning.