Carematters is a trading style of nhance Independent Ltd, which is authorised and regulated by the FSA. FSA Number 560821
The information and content of this site is intended for UK consumers only and is subject to the UK regulatory regime. The FSA do not regulate will writing services and some forms of Trust planning.
The Care Matters team began working together in 2007. They recognized that there was a distinct lack of quality advice for those people with specialised needs such as those with loved ones in nursing homes or residential care.
They believe there is a widespread lack of understanding about the financial implications for those needing Care. As a result they focus their attention on those feeling confused and worried about what the best course of action is. Their free Guide to Care Fees Financial Planning is available to anyone, either through this website or by calling the freephone number 0800 822 3385.
Each member of the Care Matters team focuses on their specialist areas of advice. Now the are leaders in the field of advice and guidance for the retired, the elderly and their families. With their team of efficient, caring staff, they deliver a responsive, flexible and personal service to those serious about protecting their wealth and providing for their loved ones.
With many years experience behind them, advising retired clients on investments and inheritance tax planning, they were well positioned to build on their knowledge and expertise. They are fully qualified to give advice on long term care matters and each have undergone Criminal RecordsBureau(CRB)checks.
After travelling and living abroad in her early career, Lorreine became involved in financial services. After working with many of the major Banks, she found her true calling when she joined her friend Brian Tabor as an Independent Financial Adviser. Her initial experience highlighted the confusion many clients felt when considering the care needs of a loved one and as a result, Lorreine and her partners developed CareMatters. Lorreine Kennedy chose to specialise in Care Home Fees Planning and Lifetime Mortgages: helping homeowners over the age of 55 who need income to help supplement their retirement or a tax free lump sum of cash. Where possible, and with the client's approval, Lorreine likes to draw in other family members to help with the decision making process.
Lorreine is a member of the professional body Symponia and as such adheres to their code of conduct, supporting their ethos of being able to provide care and trust at what can be a difficult and emotional time. She is also a member of the Chartered Insurance Institute which promotes education and knowledge to fellow Financial Advisors. Finally, Lorreine is a member of the Society of Later Life advisers (SOLLA) having successfully completed their accreditation program. Only those advisers who actively advise on Long Term Care, Equity release and other areas related to those entering or in retirement are eligible to become members.
Lorreine has featured in the Daily Telegraph and provided Sky News with help on their articles on the issues that the elderly face today: she also took part in a 1 hour live debate on the BBC World Service.
Lorreine is married to David and is mother to an adopted cat Millie, who often appears to forget exactly who pays the mortgage!
Following a career in the RAF and in Defence Procurement, Brian changed direction and began working for a High Street Bank until setting up his own firm as an Independent Financial Adviser.
Brian Tabor focuses on estate planning and inheritance tax mitigation (including wills, trusts, powers of attorney and special tax-saving products) and planning for retirement.
"I aim to provide my clients with clarity and a greater level of understanding about their financial planning.
I tend to think of myself as a guide on their financial journey, offering informed and reliable advice that will help them start from the right place, move in the right direction and ensure they remain on track to arrive at their intended destination.
I enjoy opening my client's eyes to ideas, opportunities and solutions that they may never have considered possible."
After nearly twenty years of working in the financial sector, Brian has been awarded the Chartered Insurance Institute's (CII) internationally recognised Chartered status which illustrates his dedication to providing his clients with first-class, impartial and ethical advice on all their financial matters.
Less than 2% of IFAs have currently achieved this prestigious accreditation, so, as Brian's client, you can rest assured that you really are receiving the very best advice and guidance from someone with a most comprehensive knowledge of the financial planning world.
Brian is married to Pauline and together have 4 children and a plethera of grandchildren!
In 1995 Peter began working in the financial sector, Peter has a wealth of experience from his formative years spent with the Prudential, to his current status as a director of Chartered IFA company nhance Protection Ltd.
Peter Flowers focuses on Wealth Management, Long Term Care, planning for retirement and inheritance tax mitigation (including advice on wills, trusts, powers of attorney and specialist tax-saving products).
"Very often my client's primary concern is to preserve their hard earned capital, something that is under increased scrutiny in today's economic climate.
It is my responsibility to listen to my clients and then utilise my expertise and experience to ensure they can make informed decisions to enable them to achieve their desired goals".
Good financial planning is about building trust with a client, ensuring they are always well informed about their finances, the options they have and the correct solutions available to them.
Above all, I believe in treating people the way I like to be treated, with honesty, empathy and respect".
A member of the Chartered Insurance Institute, he continually strives to increase his knowledge, as well as building relationships with other professions such as accountants, solicitors and discretionary fund managers to enable him to offer his clients high quality, impartial advice.