Court of Protection and personal injury services: financial planning

Tailored financial planning for a lifetime of support

At Quilter Cheviot, our expert financial planners provide comprehensive post-settlement advice tailored to the specialist arenas of Court of Protection and personal injury. We support individuals, families and their legal professionals to make informed, forward-looking financial decisions in relation to large settlement awards.

We advise on a broad range of topics including tax efficiency, mortgage planning, state benefits and protection strategies. Cashflow modelling is used to explore available options and shape our recommendations. We have extensive experience supporting trustees managing personal injury trusts, and deputies acting on behalf of protected parties.

A personalised and compassionate approach

Our service is shaped by each client; their financial understanding, the complexity of their injuries and their long-term needs. With compassion and patience, our team supports those navigating significant life changes so that they feel understood and empowered throughout their financial journey.

We adapt our communication and approach to suit individual needs, avoiding unnecessary jargon. We follow the Financial Conduct Authority’s (FCA) guidance on treating vulnerable customers fairly, and our internal processes are designed to provide clients with clear, appropriate advice at every stage.

Flexible financial planning

Quilter Cheviot’s financial planners deliver conflict-free advice through a structured, compliant framework designed to serve the client’s best interests. Our approach combines the best of both worlds: the focused, well-researched recommendations of restricted advice, and the flexibility to access whole-of-market solutions when needed. Recommendations begin with our Core Investment Proposition (CIP), featuring diversified portfolios aligned to clear objectives and risk levels. If unsuitable, planners consider our externally researched matrix panel, and where necessary, explore the wider market.

This ensures advice remains impartial, suitable, and fully aligned with Financial Conduct Authority (FCA) and the Solicitors Regulation Authority (SRA) expectations, while enabling seamless integration with our in-house investment managers across tax wrappers and ongoing portfolio management.

Forecasting future financial scenarios

We use cashflow modelling to help provide, as closely as possible, a lifetime of financial certainty. These projections illustrate how different scenarios, such as changes in income or expenses, may affect the longevity of the settlement. We stress-test assumptions and ensure the investment strategy remains aligned with care needs and life expectancy.

Scenarios can include:

Lump sum awards and/or Periodical Payment Orders
Land acquisition and/or property adaptations
Purchasing and maintaining aids and equipment
Care funding
Rehabilitation costs
Gratuitous care payments for family members
Capital held as an emergency fund
The use of trusts
Ad-hoc withdrawals
Appropriate tax wrappers, such as offshore bonds
Charges from financial solution providers and their impact on the fund.

Featured insights

Webinar: Family Dynamics after Brain Injury

An insightful one-hour webinar hosted by Financial Planner, Charlotte Ward and Family Therapist, David Kenny who specialises in family dynamics following brain injuries. During the webinar, David and Charlotte discuss how a holistic approach to family therapy can improve outcomes for the protected party. They emphasise the importance of viewing the family as a cohesive unit, ensuring each member’s needs are met, rather than focusing solely on the protected party.

Watch on demand

Navigating your financial future: Six key questions to consider after receiving your personal injury settlement

Our specialist team of financial planners and investment managers at Quilter Cheviot understand the complexities of receiving a large settlement. In our experience, a good place for many individuals to start is to consider these questions, which may help inform some of your next steps.

Download the guide

Financial planning and investment management services for deputies

We have built trust from supporting deputyships across the country. Our specialist teams are highly qualified in understanding the needs of protected parties, whilst learning about and appreciating their difficult circumstances.

Read the guide