Meet our Advisors
Karen Thornley
Listening to what’s important to you and your family comes naturally to Karen, whose experience in advising people into their retirement years and later life, goes back to the early 90s. As Karen says, “I’ve been there with thousands of families over the years. I’ve also had my own elderly parents go through the care system, so have experienced what so many of my clients are going through, myself.”
She takes her role as a professional guide and adviser very seriously and understands people seek her advice at a time which can often be stressful and upsetting for all concerned. She is friendly, empathetic and compassionate as well as professional in her approach, treating every client as the individual they are.
She is accredited with The Society for Later Life Advisers (SOLLA) and was shortlisted for the Health Insurance “Best Long Term Care Intermediary” Award every year since 2008 and on two occasions won this prestigious award recognising her specialisation in advising people in later life. She has provided training for financial advisers on later life advice for The Personal Finance Society (PFS) at both their annual conference and national meetings across the UK. She has run and presented at seminars for Solicitors and care providers over the years, with guest speakers including Baroness Greengross and Senior Judge Denzil Lush.
For over ten years up to the end of 2017, Karen was joint owner of a practice specialising in Later Life Care Advice, Investment & Tax Planning, not only building on her experience as an Independent Financial Adviser, but as a business owner and employer. This has put her in good stead to head up The Minster Partnership’s Later Life and Care Division, providing very much needed specialist later life advice for individuals and professional advisers alike.
Jennifer Ettimari (Lyddiatt)
Jennifer Ettimari (Lyddiatt) brings a wealth of experience and expertise to her role at The Minster Partnership Care and Later Life Advice division. Her extensive background in the care sector, having been General Manager for multiple care homes, from Regency Manor, to Sunrise Senior Living. With excellent organizational skills and relationship building she is fully equipped with the processes and knowledge to support clients on their journey through care and later life.
Jennifer’s empathetic and consultative approach has been honed through her experience. A practical and loving person, with a solutions approach, which enables her to navigate the complexities of the care journey and provide tailored support for each client.
Having worked with Karen Thornley in the past, Jennifer shares a strong professional relationship with her, built on mutual trust and a shared passion for providing exceptional care and advice. Jennifer is skilled at sharing her knowledge of long-term care and supporting families in their search for suitable care providers.
Jennifer’s commitment to client-focused service, her understanding of financial management and her tenacious ‘can do’ attitude make her an invaluable asset to The Minster Partnership’s Care and Later Life Advice division. Her friendly and supportive demeanor ensures that clients feel at ease, knowing they are in capable hands.
With Jennifer’s extensive experience and dedication to helping others, clients can trust that they will receive the highest level of support and guidance during their care journey.
Daniel Joyce, CeMAP CeRER
Following an early career in an independent estate agent, the last six years of working in the financial services industry has led Dan to develop a strong expertise in the world of home finance. In particular, the constantly changing and niche area of Equity Release.
Dan truly believes that an approach of ‘one size fits all’ could not be further from the truth when considering Equity Release and leaves no stone unturned. He works hard to deliver an ideal solution to the requirements of his elderly and vulnerable clients and their families. With a recognition of his client’s independent circumstances combined with an honest and caring approach being central to his business style.
Dan helps clients access capital tied up in property, keeping an elderly person in their own home when needing to fund long-term-care. He works closely with Karen Thornley, who gives the overall advice on how to best deploy the capital generated to fund the care.
With his own family at the centre of everything in his own life, a compassionate approach to every situation comes naturally to Dan and it is no surprise that his clients feel so confident working with him throughout the various stages of their lives.
Richard Liddiard
Richard started his career in financial services in 1987, moving from trainee adviser to running a mortgage advisory firm before going into Independent Financial Advice in 2009.
In 2013 Richard was keen to establish his own business and set up The Minster Partnership, with a very clear goal in mind, to build a well-qualified team of independent advisers with specialisms in financial advice.
The firm now boasts a mortgage division, protection, pensions and investment experts as well as advisers who specialise in inheritance tax planning.
The Care and Later Life division was set up in 2018 adding this very needed specialisation to the team.
Richard works closely with Karen Thornley to provide the support needed for vulnerable clients and their families who need peace of mind when it comes to the best financial options in their later life.