Trusts & vulnerable clients

Trusts & vulnerable clients

There's a lot of negative press around at the moment around trusts. But the use of trusts for vulnerable clients or families who have children who will be lifelong dependents can be incredibly beneficial, for many reasons. Here we talk to Heledd Wyn, SENDA Board Member and Solicitor (TEP) at Rothley Law about what to think about when discussing trusts with clients. Financial planning Special needs families Disability financial planning Special needs trusts Financial security Future planning Estate planning Wealth management Vulnerable persons trust Disabled persons trust Discretionary trust Will Wills Wills and trusts Special needs parenting Caregiver support Family budgeting Long-term care planning Sibling planning Guardianship Life care planning Caregiver financial stress Court of protection deputyship Tax strategies for special needs Government benefits Financial aid for disabilities Insurance for special needs families Disability rights and finance Inclusive financial education Transition planning (school to adult life) Advocacy and financial literacy Navigating financial systems Empowering special needs families Enabling SENDA Special needs and disabilities Disabled person Disabled Children Special Educational Needs SEND SEN Education Health & Care Plan EHCP Financial planning Personal finance Wealth management Financial literacy Money management Budgeting tips Retirement planning Investment strategies Long-term financial goals Financial independence Budgeting basics Saving strategies Investing 101 Tax planning Debt management Credit scores Emergency funds Financial goals Passive income Estate planning Life insurance Critical Illness Insurance Shareholder insurance Key Person Insurance Private Medical insurance Millennials and money Financial planning for families Gen Z investing Couples and money Money tips for parents Small business finances How to build wealth Financial freedom Smart money moves From debt to wealth Money mindset Master your money Stop living paycheck to paycheck Autism Complex Autism Special Needs Parent Special Needs parenting Autism Mum Autism Dad Specialist Schools Financial Adviser Financial Planner IFA Chartered Financial Planner

Financial Planning at the sharp end: PI & CoP

Jennifer Stone is an award-winning Independent Financial Adviser with over 30 years’ experience, specialising in personal injury and clinical negligence cases. Currently with Chase de Vere, she is widely recognised for her expertise in advising both claimants and defendants, and has produced more than a thousand expert witness reports over the course of her career. Jennifer’s work sits at the intersection of finance, law, and vulnerability. She supports clients and legal teams with complex topics such as personal injury trusts, long-term financial planning, and Court of Protection matters, and is regularly appointed by Deputies to provide financial advice for protected beneficiaries. Her commitment to excellence in vulnerable client care has earned her national recognition, including Professional Adviser’s Woman of the Year – Vulnerable Client Care in both 2023 and 2025, as well as a 2025 commendation for Outstanding Contribution to the Profession. Fifteen years prior to joining Chase de Vere in 2020, Jennifer co-founded the specialist firm Nestor Financial Group, playing a key role in building it into one of the UK’s most respected names in personal injury financial advice. She is also a frequent speaker and writer within the legal sector, contributing insights that help practitioners better understand the financial needs of injured and vulnerable clients. Financial planning Special needs families Disability financial planning Special needs trusts Financial security Future planning Estate planning Wealth management Vulnerable persons trust Disabled persons trust Discretionary trust Will Wills Wills and trusts Special needs parenting Caregiver support Family budgeting Long-term care planning Sibling planning Guardianship Life care planning Caregiver financial stress Court of protection deputyship Tax strategies for special needs Government benefits Financial aid for disabilities Insurance for special needs families Disability rights and finance Inclusive financial education Transition planning (school to adult life) Advocacy and financial literacy Navigating financial systems Empowering special needs families Enabling SENDA Special needs and disabilities Disabled person Disabled Children Special Educational Needs SEND SEN Education Health & Care Plan EHCP Financial planning Personal finance Wealth management Financial literacy Money management Budgeting tips Retirement planning Investment strategies Long-term financial goals Financial independence Budgeting basics Saving strategies Investing 101 Tax planning Debt management Credit scores Emergency funds Financial goals Passive income Estate planning Life insurance Critical Illness Insurance Shareholder insurance Key Person Insurance Private Medical insurance Millennials and money Financial planning for families Gen Z investing Couples and money Money tips for parents Small business finances How to build wealth Financial freedom Smart money moves From debt to wealth Money mindset Master your money Stop living paycheck to paycheck Autism Complex Autism Special Needs Parent Special Needs parenting Autism Mum Autism Dad Specialist Schools Financial Adviser Financial Planner IFA Chartered Financial Planner Personal Injury Court of Protection

Understanding EHCPs (Education Health & Care Plans) and what it means to your clients

Kelly Lampard is the founder of SEND Navigator, aneurodiversity-informed digital platform currently in development, designed to simplify the SEND system for families. Alongside building SEND Navigator, she leads the SEND service line at Bath Family Law, supporting families navigating the intersection of separation, education law, and additional needs. Drawing on both professional training and lived experience as a parent, Kelly is passionate about creating clearer, fairer pathways for children with SEND and the families who support them. In this episode, Kelly helps to clarify the purpose of an EHCP so that as financial and legal advisers, we can better understand the nature of our client's needs. SEND Navigator | Navigate EHCPs & School Support with Confidence [https://www.send-navigator.com/]SEND Support – Bath Family Law [https://bathfamilylaw.co.uk/services/send-support/] Financial planning Special needs families Disability financial planning Special needs trusts Financial security Future planning Estate planning Wealth management Vulnerable persons trust Disabled persons trust Discretionary trust Will Wills Wills and trusts Special needs parenting Caregiver support Family budgeting Long-term care planning Sibling planning Guardianship Life care planning Caregiver financial stress Court of protection deputyship Tax strategies for special needs Government benefits Financial aid for disabilities Insurance for special needs families Disability rights and finance Inclusive financial education Transition planning (school to adult life) Advocacy and financial literacy Navigating financial systems Empowering special needs families Enabling SENDA Special needs and disabilities Disabled person Disabled Children Special Educational Needs SEND SEN Education Health & Care Plan EHCP Financial planning Personal finance Wealth management Financial literacy Money management Budgeting tips Retirement planning Investment strategies Long-term financial goals Financial independence Budgeting basics Saving strategies Investing 101 Tax planning Debt management Credit scores Emergency funds Financial goals Passive income Estate planning Life insurance Critical Illness Insurance Shareholder insurance Key Person Insurance Private Medical insurance Millennials and money Financial planning for families Gen Z investing Couples and money Money tips for parents Small business finances How to build wealth Financial freedom Smart money moves From debt to wealth Money mindset Master your money Stop living paycheck to paycheck Autism Complex Autism Special Needs Parent Special Needs parenting Autism Mum Autism Dad Specialist Schools Financial Adviser

The ground-breaking review of tax & disability in the UK

Paul is a part-time Departmental Lecturer in Taxation Law atthe University of Oxford following a career focussed on corporate financial advisory work - spending much of the last 18 years of his executive career advising defined benefit pension scheme trustees on financial aspects of therelationship between the scheme and its sponsoring employers.  He also works for a professional pension trustee company. Paul is father of a young person with special needs and in2023 completed a part-time PhD addressing the question "Is the UK tax system effective in supporting disabled people?".  The concept for the simplified savings account discussed in the Tax Law Review Committee of the IFS paper was set out in Paul's PhD, alongside a review of disability trusts - and he has been delighted to able to develop it in the Tax Law Review Committee paper, drawing on input from a number of specialist colleagues. Read the full paper here:Tax and disability in the UK: review of trusts and other savings options | Institute for Fiscal Studies [https://ifs.org.uk/publications/tax-and-disability-uk-review-trusts-and-other-savings-options]Find out more about US Able Accounts here: Home - ABLE National Resource Center [https://www.ablenrc.org/] Financial planning Special needs families Disability financial planning Special needs trusts Financial security Future planning Estate planning Wealth management Vulnerable persons trust Disabled persons trust Discretionary trust Will Wills Wills and trusts Special needs parenting Caregiver support Family budgeting Long-term care planning Sibling planning Guardianship Life care planning Caregiver financial stress Court of protection deputyship Tax strategies for special needs Government benefits Financial aid for disabilities Insurance for special needs families Disability rights and finance Inclusive financial education Transition planning (school to adult life) Advocacy and financial literacy Navigating financial systems Empowering special needs families Enabling SENDA Special needs and disabilities Disabled person Disabled Children Special Educational Needs SEND SEN Education Health & Care Plan EHCP Financial planning Personal finance Wealth management Financial literacy Money management Budgeting tips Retirement planning Investment strategies Long-term financial goals Financial independence Budgeting basics Saving strategies Investing 101 Tax planning Debt management Credit scores Emergency funds Financial goals Passive income Estate planning Life insurance Critical Illness Insurance Shareholder insurance Key Person Insurance Private Medical insurance Millennials and money Financial planning for families Gen Z investing Couples and money Money tips for parents Small business finances How to build wealth Financial freedom Smart money moves From debt to wealth Money mindset Master your money Stop living paycheck to paycheck Autism Complex Autism Special Needs Parent Special Needs parenting Autism Mum Autism Dad Specialist Schools Financial Adviser

Disability & Accessibility in Insurance & Finance

Eddie is a passionate advocate for the insurance and financial planning profession. He is a Disability and AccessAmbassador for Insurance, a Non-Executive Director of the PFS and serves on the board of the European Financial Planning Association. Throughout his career, Eddie has been dedicated tosupporting, mentoring, and spearheading initiatives that build consumer confidence and trust. A lifelong champion of apprenticeships and professionaldevelopment, Eddie chairs the advisory board of the Finance in Society Research Institute and has been involved in the development of University courses. Beyond finance, Eddie brings the same curiosity and care toeveryday life. He’s been married to Marina for over 36 years and recently pursued his passion by qualifying as a Tea Sommelier. You can find out more about Eddie's work here: Edward Grant FPFS, MSc, EFP, FRSA | LinkedIn [https://www.linkedin.com/in/edwardgrantuk/]And links from the podcast are here:Find Insurance Service - BIBA [https://www.biba.org.uk/find-insurance/] managing-customer-vulnerability-in-insurance-and-personal-finance-a-practical-implementation-guide.pdf [https://media.umbraco.io/ciigroup-dxp/eaedofqi/managing-customer-vulnerability-in-insurance-and-personal-finance-a-practical-implementation-guide.pdf] Disability Confident employer scheme - GOV.UK [https://www.gov.uk/government/collections/disability-confident-campaign] Financial planning Special needs families Disability financial planning Special needs trusts Financial security Future planning Estate planning Wealth management Vulnerable persons trust Disabled persons trust Discretionary trust Will Wills Wills and trusts Special needs parenting Caregiver support Family budgeting Long-term care planning Sibling planning Guardianship Life care planning Caregiver financial stress Court of protection deputyship Tax strategies for special needs Government benefits Financial aid for disabilities Insurance for special needs families Disability rights and finance Inclusive financial education Transition planning (school to adult life) Advocacy and financial literacy Navigating financial systems Empowering special needs families Enabling SENDA Special needs and disabilities Disabled person Disabled Children Special Educational Needs SEND SEN Education Health & Care Plan EHCP Financial planning Personal finance Wealth management Financial literacy Money management Budgeting tips Retirement planning Investment strategies Long-term financial goals Financial independence Budgeting basics Saving strategies Investing 101 Tax planning Debt management Credit scores Emergency funds Financial goals Passive income Estate planning Life insurance Critical Illness Insurance Shareholder insurance Key Person Insurance Private Medical insurance Millennials and money Financial planning for families Gen Z investing Couples and money Money tips for parents Small business finances How to build wealth Financial freedom Smart money moves From debt to wealth Money mindset Master your money Stop living paycheck to paycheck Autism Complex Autism Special Needs Parent Special Needs parenting Autism Mum Autism Dad Specialist Schools Financial Adviser Financial Planner IFA Chartered Financial Planner