Having acquired a lifetime experience of over 45 years in independent financial advice, wealth management and financial planning, the later years of which were focused on funding for Long Term Care, developing a specialisation in later lifestyle planning seemed a natural progression.

Adding to this career development, I was a Magistrate at Victoria Law Courts in Birmingham for 17 years and have been involved in charity work mainly in the health and welfare sector. I was an Alzheimer’s dementia champion and friend until recently having to step down as my partner and I moved from the West Midlands to the South Shropshire Hills on her retirement.

With this legacy behind me, I was inspired to enhance the services I offered to clients, their families and carers, thereby providing a much broader service outside of the financial services sector.

I provide independent practical guidance, advocacy and support to people in later life. I do this across the areas of health and welfare, hospital, social and community care, personal well-being, lifestyle planning and day to day management of affairs.

I encourage and help clients realise that it is possible to live a fulfilling life whilst maintaining independence, dignity, comfort and security. I devote all my energy, enthusiasm and lifetime experience to holistic planning and personal wellbeing matters. I work closely with families and their friends, healthcare professionals, carers, nominated attorneys, specialist later life lawyers and financial planners. I am dedicated to providing guidance and support to people through their retirement years, advancing frailty and ageing process, through to the end of their life.

Whilst developing this sole trader practice, I co-founded CAFEtalk with Philip Braunstein in 2017.

CAFEtalk provides a support and advocacy service and makes sure our clients receive all that they are due, in financial terms, from the State.

Through working closely with our clients, we identified some imperfections in the health and welfare sector. These included an acute shortage of superior quality care in the community both in domiciliary and residential settings. Both of us are passionate about the provision of quality social and community care and the importance of companionship. With neither of us being afraid of a challenge, the idea for Carinyo Care was conceived.

For nearly 40 years my business has revolved around affecting commercial introductions to the Legal, Accountancy, Financial Services, Care, Water, Marketing and the Export sectors.

The foundation of my referrals, has in the main, been focused on a peer-group recommendation. This I believe is the true basis for identifying people who are at the top of their profession or trade. After all, if you needed heart surgery wouldn’t you want to go to the surgeon whom top surgeons go to if they required a procedure, in effect the Doctors’ Doctor.

For 20 of those years, I was engaged in financial services where I was a Partner in an Independent practice. I specialised in Long Term Care (LTC) fee planning. I became a director of IFACare, a not for profit organisation set up to teach other Independent Financial Advisers, as well as solicitors how “dovetail” LTC with Inheritance Tax Planning.

On the charity front, I have been a director of a Manchester daycare centre for many years and currently serve on the investment committee.

Having retired from financial services, I remained active in the care sector and, together with my business partner Tim Field, whom I first became acquainted with at IFAcare, set up CAFEtalk some five years ago.
CAFEtalk provides a support and advocacy service and makes sure our clients receive all that they are due, in financial terms, from the State.

One area we did not deal in was Domiciliary Care, which is providing Carer/Nurses/Companions (CNC) to live with clients (patients) on a 24/7 basis. Historically, we simply introduced our clients requiring this service to the appropriate agencies.

But no longer; Tim and I set up Carinyo Care.

With over 15 years of experience in the health and social care sector, I’m proud to join Carinyo Care as Registered Care Manager. Throughout my career, I’ve worked across a variety of care settings, leading teams and supporting individuals to live with dignity, independence, and choice.

I’m passionate about delivering truly person-centred care and ensuring that every individual we support receives a service tailored to their unique needs and preferences. I believe in building strong, trusting relationships – not just with those we care for, but also with their families, our care staff, and healthcare professionals.

As a qualified leader in care with a Level 5 Diploma in Health and Social Care Leadership and Management, I have a strong background in compliance, care planning, and team development. I’m committed to upholding the highest standards of care in line with CQC requirements and making sure our carers feel valued, supported, and equipped to provide exceptional service.

Carinyo means “affection” and “care” – and those values are at the heart of everything we do. I’m excited to help grow our service and make a positive impact in our local community.

Outside of work, I’m a proud mum and actively involved in my local community, which helps keep me grounded in what truly matters – people, relationships, and making a difference every day.