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Navigating Later Life Financial Planning with Toni Chalmers-Smith: Combining Expertise and a Human Approach

When it comes to planning for our later years, the landscape of financial options can often feel overwhelming. That’s where Later Life Financial Planner Toni Chalmers-Smith, who specialises in advising care funding and later life lending/equity release comes in. She dedicates her time and expertise to assist clients in securing a financially stable future. With a deep understanding of the complexities involved and a commitment to personalised support, Toni ensures that her clients make informed decisions tailored to their unique circumstances. In this article, we will explore the valuable services offered by Toni Chalmers-Smith and how she guides her clients towards the most suitable outcomes.

Understanding the Position – Listening and Learning:

Toni Chalmers-Smith firmly believes that the first step towards helping her clients is to truly understand their current financial position. She spends considerable time with her clients, or their attorneys if necessary, actively listening and learning about their goals, assets, and concerns. By gaining an in-depth understanding of their unique circumstances, Toni is able to provide tailored advice and strategies that align with their specific needs.

Claiming the Right Benefits – Maximising Financial Support:

Navigating the complex world of state benefits can be daunting, especially for those in later life. Toni Chalmers-Smith ensures that her clients are accessing the benefits they are entitled to. She meticulously reviews their eligibility criteria and helps them navigate the application process, ensuring they claim the right benefits and maximise their financial support. Toni’s expertise helps her clients access vital resources that can greatly enhance their financial well-being.

Explaining Options – Empowering Informed Decisions:

Later life financial planning such as immediate or potential future care funding can be a complex financial, legal and emotional process. This  involves considering a multitude of options, each with its own advantages and implications. Toni Chalmers-Smith takes the time to explain these options to her clients in clear, jargon-free language, allowing them to make informed decisions. She understands that comprehending complex financial concepts may take time, and therefore, she patiently guides her clients through multiple meetings, addressing any concerns and answering questions until they feel confident about their choices.

Expertise and Knowledge – Unraveling the Financial Maze:

As a Later Life Financial Planner, Toni Chalmers-Smith possesses extensive knowledge of the various financial options available to her clients and is an accredited member of the Society of Later Life Advisers (SOLLA) and an Equity Release Council member.  Her expertise ensures that clients receive comprehensive advice and have a clear understanding of the potential outcomes associated with each option. This meticulous approach ensures that her clients’ financial plans are optimised for their specific circumstances, family set up and long-term goals.

Conclusion:

When it comes to later life financial planning, having a knowledgeable and dedicated professional like Toni Chalmers-Smith by your side can make all the difference. With her expertise, human approach, and commitment to researching the best options available, Toni guides her clients towards secure and well-informed financial decisions. By understanding her clients’ position, liaising with Local Authorities, the NHS and Government departments, explaining various options, and conducting extensive research, Toni Chalmers-Smith ensures that each client achieves the most suitable financial outcome in their later years.

Tees Financial Ltd is authorised and regulated by the Financial Conduct Authority. FRN 211314.