How can I help you?

I have worked in the financial services industry for over 25 years. While fully qualified in all forms of life, health, mortgage and pension business, I specialise in advising clients requiring later years’ advice, which includes investments, inheritance tax and estate planning, equity release and care fees planning.

I work closely with my legal colleagues in providing specialist care fees planning and equity release advice. This can involve liaising with Local Authorities and Government departments on behalf of our clients. I offer older clients a financial review and support service, especially if an individual or family member is unable to cope with day to day financial decisions.    

 

Delivering what you really need

We provide financial advice and a portfolio management service, combined with the complementary legal services provided by Tees Law.

We believe financial and legal advice should take you to the stage where you can make clear and informed decisions, happy in the knowledge that you have received all the information and choices needed to reach those decisions. We are able to offer our clients over the age of 50 a path through later years, providing holistic advice on a wide range of legal and financial issues.

The “One” concept provides advice not simply from a well-qualified adviser but somebody who you feel you can rely upon to understand the plans you need to make for your retirement years and the complexities of the many decisions you may need to face.

 

What else should you know?

I am an accredited member of SOLLA the Society of Later Life Advisers and a member of The Equity Release Council.

Over the years I have contributed to local and national press including the Cambridge Evening News, Financial Times, Sunday Times, Daily Telegraph, Guardian and Mail on Sunday.

Radio work includes a regular feature on BBC Radio Cambridge/ Essex and BBC Radio 5 Live.

Testimonials

Jim Hook

Bishop's Stortford

Tees supported me in my role as attorney for my elderly mother-in-law in obtaining release of capital from her house to fund her care, enabling her to continue to live in her own home. This was a protracted process requiring an application to the Court of Protection as well as advice on the equity release market and the conveyancing aspects of the transaction. Tees’ multi-disciplinary expertise meant I could find all the help I needed from the one company: Toni Chalmers-Smith as wealth specialist, Francis Gill with the Court of Protection and Catherine Banks on the conveyancing. A great team!

Mr Lawrance Lucas

Hunsdon, Herts

I'm very grateful for the professional service that everyone at Tees has shown me: Cathy Izzard who drew up my late mother’s Will and obtained probate; Toni Chalmers-Smith for care fees planning and Allan Wright for the conveyancing. They're knowledgeable, approachable and have empathy.

Mrs Mary Pope

Herts

Toni Chalmers-Smith and her colleagues define "where there's a will there's a way". Toni demonstrated tenacity, drive and an ability to think round problems and find solutions to deliver a result. Toni and the team at Tees are a must for anyone considering financial advice.
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