1. Protecting Care Provider Income Mike Williams Colin Chamberlain and Chris West Chamberlain Stean & West Strawplait Barn Croft Lane Chipperfield Herts WD4 9DX Chamberlain Stean & West Ltd is an appointed representative of Financial Limited which is authorised and regulated by the Financial Services Authority. FSA No. 466922.

2. A familiar story......? Beryl widowed 85 years old £100,000 assets Income £15,000 Care provider fees £40,000 Self funding to meet shortfall

3. How it Stacks Up Care Home Fees £40,000 Income £15,000 Shortfall from Savings £25,000 Assets £100,000

4. How it Stacks Up Care Home Fees £40,000 Income £15,000 Shortfall from Savings £25,000 Assets £75,000 Year 1

5. How it Stacks Up Care Home Fees £40,000 Income £15,000 Shortfall from Savings £25,000 Assets £50,000 Year 2

6. How it Stacks Up Care Home Fees £40,000 Income £15,000 Shortfall from Savings £25,000 Assets £25,000 Year 3

7. How it Stacks Up Care Home Fees £40,000 Assets £0 Income £15,000 Shortfall from Savings £25,000  Year 4

8. The Dilemma....

9. To Stay, or Not To Stay

10. Care Annuities One-off cost Guaranteed income for life Paid directly to registered care provider Based on individual circumstances Immediate or deferred up to 5 years

11. What’s In It For You? Eliminates funding shortfall No chasing unpaid invoices Predictable cash flow Peace of mind

12. Best Practice

13. A Message From Compliance This information is intended to provide a general appreciation of the topics and it is not advice. Guidance should be sought from us to advise on specific circumstances, before any action is taken. Will Writing and Lasting Power of Attorneys are not regulated by the Financial Services Authority Chamberlain Stean & West Ltd is an appointed representative of Financial Limited which is authorised and regulated by the Financial Services Authority. FSA No. 466922. Chamberlain Stean & West Ltd is registered in England & Wales No. 6109794. Our registered office is at 4 Oakridge Park, Leighton Buzzard, LU7 4GB

14. Thank you