Two generations with different needs. One pot of money.
This is where a Family Office brings real value.
Jean is 82 and still fiercely independent. After a fall in the garden, she finally agreed to some adaptations around the house. Her daughter Rachel, busy with her own tutoring business, had been gently pushing for months. At the same time, Rachel’s daughter Ruby, 18, had just received the news that she’d made it into university for a four-year course.
The problem?
University fee funding is steep, cashflow from the business is variable, and the family savings are mostly tied up in Jean’s house. Ruby didn’t want to ask for help and Jean didn’t want to be a burden. Rachel felt stuck in the middle, wanting to do right by both, but unsure how.
This is where we came in.
Through one coordinated conversation, we:
- Reviewed Jean’s estate, re-valued her property, and gave everyone a clear view of likely care costs over the coming years.
- Helped Rachel make sense of her business finances, with a particular focus on longer-term tax efficiency.
- Explored options to release funds comfortably, without pressure or panic.
- Structured support around intergenerational wealth planning, so the family could turn to the future with a real plan.
The result?
A Walk-in Bath was installed, Ruby’s first-year fees were covered, and Rachel could breathe again.
No tension. No trade-offs. Just a family financial plan that made sense.
Caught between generations? We help you find clarity, compassion, and a plan that works for everyone.
Book your free Family Office Discovery Call by contacting Rich Phillips, richphillips@carbon.lawpartners.com