Risk Clinic: Protecting a carer

She has to employ a carer to look after Jane while she is at work. Sarah is concerned how she and Jane would cope financially if she also became ill and was unable to work. She would like to know what options she has to safeguard their financial future. Chris Hulme, Clayton Hulme Partnership Jane is likely to be dependent on Sarah throughout her adult life, and her condition also presents a very real possibility that she could outlive her mother. There are two income phases for Sarah to be concerned about – pre- and post-retirement, the planning of which needs to be undertaken in the 22...