Care Fees Planning

Understanding the complex financial needs of long-term care planning and specialising in later life financial advice, we provide you with reassurances, practical help and guidance to help you make the right decisions at the right time.

The need for long-term care and how it should be paid for is arguably one of the greatest causes for concern among a growing elderly population in the UK.

Although you may never find yourself in need of arranging care in your own home or nursing home care, if you are dealing with yourself or a family member facing the prospect of moving into a nursing home, there will be several factors to consider.  

Being accredited to SOLLA (Society of Later Life Advisers), means our advisers can help you with care fees planning as we understand the long-term care system in the UK and provide suitable advice and recommendations, by:

  • Working with you to understand your long-term care planning needs and  ensure you are put in the strongest possible position to make the right decisions for now and the future
  • Helping you to understand the care fees and funding options in simple terms
  • Removing any anxiety, confusion or distress you may be experiencing and providing peace of mind
  • Sourcing information on the options available to you, ranging from care in your own home, through sheltered housing and care villages, to residential care homes with and without nursing care.
  • Guiding you through the maze of legislation, benefits and financial options so that you can be sure that you make the right decisions for the right reasons for your family.

Care for couples
If you are married and you need care, it is important to understand what you will have to pay for, and what may be covered by the state.

Care Fees Specialist Team

Lucy Davison

Wealth Planning Adviser

Lucy has over 20 years experience in the financial services industry. She joined the company in 2012 after a highly successful career in banking, latterly providing financial advice to Halifax clients. Lucy specialises in financial planning and investment advice for clients in later life and is a member of the Society of Later Life Advisers (SOLLA). In her spare time, Lucy enjoys watching Sunderland FC, spending time in the garden and with her family.

David McElhoney

Wealth Planning Adviser

David joined the company in 2010, having spent 25 years in the financial services industry. As a Chartered Financial Planner, David advises both personal and Corporate clients on all financial planning needs. Accredited as a member of the Society of Later Life Advisers (SOLLA), David specialises in matters surrounding later life financial advice (Investments, IHT, Equity Release, Care Fees Planning). In his spare time, David is a very keen Scuba Diver and Fell Walker.

Sandra Sanderson

Wealth Planning Adviser

Sandra joined the company 1998, having previously worked as a Building Society Manager for Cheltenham and Gloucester and having worked in the financial services industry since 1981. As a Chartered Financial Planner with over 20 years experience in Financial Services, Sandra advises clients in areas such as investments, pre and post retirement planning, protection and estate planning. Sandra also holds specialist long term care qualifications and is an accredited adviser of the Society of Later Life Advisers (SOLLA), and an Affiliate Member of the Society of Trustee and Estate Practitioners (STEP) .

David Weston

Wealth Planning Adviser

David joined the company in 2008, having spent all of his career in Financial Services. David was a partner in his own business for 10 years prior to its merger with the company in 2008. Before this he has held roles with a major UK Life and Insurance Company. David specialises in helping clients with pre and post-retirement planning and investment management requirements. In his spare time, he enjoys horse racing and even fulfilled a lifelong ambition to ride as a jockey a few years' ago.


Northallerton Office

Trinity House
Thurston Road
Northallerton
North Yorkshire
DL6 2NA

01609 760960


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Gale and Phillipson Ltd and its subsidiaries Gale & Phillipson (Life & Pensions) Ltd and Gale & Phillipson (Financial Management) Ltd are authorised and regulated by the Financial Conduct Authority (FCA 431387, 142752 and 195080) and all trade under the name Gale and Phillipson. Registered in England and Wales, numbers 05409822, 03751076 and 02232959. Registered office: Gallowfields House, Fairfield Way, Richmond, DL10 4TB.