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Navigating Finances with Ageing Relatives

Expert advice on the conversations you need to have and the action you might want to take.

Caring for aging relatives can be a complex and stressful situation. There is paperwork to complete, conversations to have and finances to organise and manage. Doing this alone can be overwhelming and, as a result, people often shy away from arranging affairs ahead of time. However, being proactive can save you and your loved ones from an unduly amount of aggravation.  

Bigmore Associates has over 50 years experience guiding clients through the most impactful financial moments of their lives. With branches of our business covering every aspect of financial and logistical management for later life, we are uniquely placed to help you navigate this tricky and emotional time.

We can provide assistance with:

Will Writing

Are your wishes for your estate to be passed to your loved ones? If so, making a Will is essential.

Lasting Power of Attorney

There may come a time when you are unable to control your affairs and need a Lasting Power of Attorney.


Grant of Probate is essential to enable the executor of a will to deal with the administration of a deceased’s estate.

Estate Planning

Helping you to protect family wealth for future generations through effective tax and trust planning.

Equity Release

Releasing equity can be life changing but you must also be aware of the potential associated risks.

Care Fees

Expert advice designed to help you plan for the rising costs of care home fees.

Income & Expenditure

Tools to help set realistic budget plans and identify shortfalls and opportunities to save for the future.

Cashflow Modelling

Worried about the money running out? Cashflow modelling will assess sustainability and give you peace of mind.

Whether you are looking for one or all of these services, Bigmore Associates is here to help. 

The Team of Advisors

Luke Davies MSWW Certs Cll (MP)
Director Bigmore Wills & Probate, Will Writer

Luke is perfectly positioned to help clients navigate the difficult process of leaving the most tax efficient legacies. As well as helping clients create the perfect Will he can help with all aspects of Estate Planning.

‘I am proud of the tailored advice and value delivered to clients from all walks of life. Being able to help write Wills, considering the individual wishes of the clients and making sure estates are left in the most tax efficient way.’

Click here to book a free discovery call with Luke

Clare Ridlington FPFS
Head of Advisory, Chartered Financial Planner

Clare joined Bigmore Associates as a Chartered Financial Planner in 2021 and was made Head of Advisory in 2023. She brings with her over 19 years of industry experience. Highly qualified as a Fellow of the Professional Finance Society she previously worked at Standard Life Assurance Co as a Business Relationship Manager. Clare is passionate about helping clients achieve financial freedom and she can use her many skills to assist them on every step of that journey.

Outside of work Clare enjoys travelling around the UK and Europe with her husband and two sons.

Click here to book a free discovery call with Clare. 

Chris Layzell

Chris Layzell Cert CII (MP & ER)
Head of Mortgages & Protections

Chris deals with all aspects of mortgages & protections including purchases, remortgages, buy to let mortgages and supporting life cover, as well as becoming an equity release specialist.

Chris is a big sports fan and keen cyclist; he can often be found cruising around the Surrey Hills in his spare time.

Click here to book a free discovery call with Chris.

Owen Salamao

Owen Salamao ALFBS
Chartered Financial Planner, Probate Practitioner

Owen started his career in financial planning back in 2014, just six months before the Coalition Government introduced pension freedoms. He has since become a chartered financial planner and is a certified probate practitioner. 

Owen says: ‘As a financial planner our job is to guide and support our clients through the uncertainties of life, ensuring that they have a resilient financial plan in place that can weather any storm. My technical skills are merely the fuel to helping clients live the life they want.’

Click here to book a free discovery call with Owen.

Highlights from our Insights Page

As part of our passion for all things financial services, the team at Bigmore Associates prioritises providing financial education resources to both our clients and the general public.

We know that understanding finances can take away some of the anxiety people feel around this logistical element of life. Sharing our knowledge and expertise supports our belief that financial planning is not just for those with excessive wealth. It is for everyone.

Our Insights page is filled with information and tips covering every aspect of our business, your financial life and financial wellbeing. Here are some pieces which might be of interest to you. 

Many will have heard the term ‘equity release’ before, but fewer people will be familiar with the term ‘lifetime mortgage.’ 

In practice, the two terms are often used interchangeably. A lifetime mortgage is by far the most common form of equity release. The other form of equity release is a ‘home reversion’ plan, which are rare nowadays.

The purpose of this article is to shine a light on lifetime mortgages, outlining how they work, why someone might want one, and what the potential downsides are.

Planning for death is an important part of life.  

Our free guide to Probate and the Practical Aspects of Death is designed to help you understand what probate is, what must be done before the process can begin as well as providing some ideas around the steps you can take to prepare your estate. The loss of a loved one can be a very difficult and emotional time. Having an outline and understanding of what comes after a person has passed can potentially help elleviate the stress for you, your family and friends.

As many of us face the reality of ageing relatives, it might be on our mind to do what we can to ensure they are cared for in their later years.

This includes physical, mental, and financial health. And though these elements may be beyond our direct control, inaction can lead to stressful situations that could have been avoided if we just talked it through.

Though these techniques won’t work with everyone we have put together some of the ways we approach difficult conversations with loved ones.


In addition to the above, Bigmore Associates offers a range of services including:

  • Financial Planning for both long term and short term financial goals
  • Pensions, Savings and Investments
  • Mortgages
  • Corporate or Personal Protection
  • Payroll Services
  • Employee Benefits

To learn more about Bigmore Associates visit our About Us page.