Knowing your wealth and financial plans are in order and arranged in line with your personal goals can give you valuable peace of mind. People choose to work with an expert financial planner for many reasons; having a clear picture of your current financial situation and knowing you are not paying any more tax than you need to are just two examples.
For high earners or those with complex financial affairs, the need for pragmatic financial planning and investment management advice is even greater.
Our highly qualified team has extensive experience providing independent advice across the entire financial planning lifecycle, including:
Finding the right financial adviser, who you can work with for the long term, is essential.
That is why you need clarity.
Our advisor was very thorough, developed a financial plan that suited our circumstances and explained our options in terms that were easy to understand.
I have found clarity's expert technical knowledge extremely useful when considering how the new pension rules affect my pensions planning.
We have been clarity clients for many years. Our advice has ranged across pensions, balancing our portfolio and charitable giving. Daniel Smith, has got to know our circumstances and listens carefully to all questions. He understands our goals, so we receive excellent ongoing advice.
The regular reviews I receive from clarity... give me the proactive regular review mechanism I need.
Thanks for a really useful meeting yesterday. You really help de-mystify the topic for me (and I'm a chartered accountant!) and have given me some very helpful tips.
We have used Glyn Bolton and his team at clarity for a number years. We have found them to be very efficient and reactive to our needs. Their advice has always been sound giving good results and they have been available when we needed them, full of professionalism and friendliness.
I am a personal client of Glyn’s, as having been impressed with his professionalism and customer service on the Charitable Trust that I Chair I asked him to look after my own investments and pensions. I especially wanted to commend Glyn’s hard work, which was nothing short of magnificent.
clarity provides an excellent sounding board for me to discuss how to plan my pension income strategy.
clarity's advice and importantly, their administrative back-up, have ensured that new investments can be pre-cleared quickly and efficiently...
clarity has provided a pro-active one-to-one counselling service to the Senior Executives to help them to manage their finances more effectively. The advice has been backed up by a newsletter and website.
We have found the ongoing guidance and investment strategy of Angus Jones and his team to be well informed and well suited to our requirements for long-term investing, taking into account the market fluctuations and our responsibility to risk as Trustees.
I always like these one-to-one sessions as they bring together all the things that I have been thinking about over the year into a plan that is actually enacted; and I know that I will actually get to where I am intending to go
Being a Main Board Director of a FTSE 100 retailer, I am particularly sensitive to customer service. You should know that Mr. Bolton, while being very professional, interacts with sensitivity and caring that I find most welcome.
I have found clarity very useful in helping me to schedule, monitor and control my financial affairs with their efficient diary and valuation services.
Where I use clarity is to provide expertise in the broader perspective needed to cover my asset allocation and overall financial strategy.
As I approached my 75th birthday clarity ensured a highly satisfactory result with regard to taking my retirement benefits.
A short note to thank you for all that you have done for me over the past six months. You have made my first – and possibly only ever – venture into the world of investments quite intelligible and straightforward.
I particularly wanted to write and thank you for the customer care service your colleague Glyn Bolton has provided for me. I am the Chairman of the Charitable Trust and we chose Glyn to look after our account and he has looked after us beautifully, having fulfilled our objectives.
clarity provides clear and professional advice in the highly complex area of tax and financial planning.
Many thanks for the referral to your Mortgage Advisers. Rob [Hayward], my contact there, was very helpful, reliable and pleasant and was very good at keeping me informed with progress at all times.
...the closure of our final salary pension scheme. clarity has provided an excellent series of seminars and one-to-one meetings for staff all around the country to explain the implications of these changes and what actions individuals need to take.
Glyn has been incredibly patient, helpful and given me excellent advice. I have also learnt a great deal about the world of finance. I feel very fortunate that he is looking after my affairs
clarity was specifically recommended by a work colleague at a time when I needed very clear and timely advice in respect of my pension and investment arrangements. I found my advisor, to be very responsive and helpful.
Having lived overseas for a number of years I rely on clarity's expertise to guide me through the complexities of onshore vs. offshore investments and the associated UK tax implications
clarity gives me strategic direction over my investments, savings and retirement objectives whilst I am busy running a company.
clarity is an award-winning firm of chartered financial planners with offices in London, Woking, Cambridge and Singapore. We have delivered bespoke, fee-based independent financial advice and education to clients across the UK since 1997. Our business is built on the principles of independence, honesty and integrity, and our aim is to provide our clients with high-quality financial planning advice and investment management services to help them achieve their goals in life.
clarity provides financial planning advice and services rather than products. Everyone’s financial circumstances are different, so there is no ‘off the shelf’ solution. The majority of our clients work with us on a long-term basis, but we also provide one-off financial advice if you just need our help for a particular issue.
Where your financial plan requires us to advise you on particular products or investment strategies, we always make sure you fully understand how these work and, where relevant, any risks involved.
We make sure your financial advice works for you.
clarity provides independent financial planning advice and investment management services for high earning individuals and those with complex financial affairs. Our flexible approach means you can tailor our services to meet your needs; allowing you to access the financial advice that is right for you, when you need it.
For those who are keen to play a more active role in managing their investments, but do not need financial advice, clarity provides you with the tools to enable you to do just that.
clarityONLINE provides access to a wealth of information and interactive tools to help you manage your finances; from research through to interactive calculators and regular updates.
clarity’s fund focus is a regular update from our investment research team. It combines investment market commentary with analysis of our buy list funds, with details and comparisons of both relative and sector performance.
The funds on clarity’s buy list are initially shortlisted using a sophisticated statistical filter, which grades funds according to a wide range of investment metrics and ratios. Rigorous fundamental research is then used to identify suitable funds for the buy list. Our buy list funds are formally monitored on a regular basis.
Access our range of financial calculators for mortgages, investments and pensions.
Access our guides, briefing notes and educational articles on a wide range of topics including investments, tax planning and financial protection.
clarity's bespoke financial services are tailored to suit each client. To see examples of how we have helped our clients, you can choose from our selection of case studies.
Please note that the case studies shown on our website represent real cases where we have fully assessed the suitability of the recommendations with reference to the individual’s particular circumstances. They are provided only as an indication of the kind of work we carry out and should not be used to act upon without receiving advice on your own personal situation.
clarity provides expert financial planning, investment management and market-leading technology to help people and organisations manage their money. Our flexible approach means you can tailor our services to meet your needs; allowing you to access the advice and support that is right for you.
clarity provides personalised financial planning and investment management advice. We know that everyone’s financial circumstances are different and so our services are flexible. We can help with all, or just some, of your financial questions. The majority of our clients work with us on a long-term basis, but we also provide one-off independent financial advice where individuals just need our help for a particular issue.
Our clients are typically high earning individuals or families with complex financial arrangements. Our highly-qualified team has extensive experience advising individuals throughout the entire financial planning lifecycle.
Many organisations recognise that workplace financial education should now be an integral part of their employee benefits package. With more financial choices available than ever before, and a constantly changing legislative framework, many people are looking to their employer for help.
The pension landscape alone has been through significant changes in recent years. As defined benefit (DB) pension schemes have been replaced by defined contribution (DC) arrangements, the responsibility for saving for retirement has moved from employers to employees.
Managing the assets and making financial decisions on behalf of a not for profit (NFP) organisation is a significant responsibility that requires due care and diligence. Many trusteeships are voluntary but this does not lessen the burden of responsibility or the range of associated obligations.
clarity’s flexible service structure, fee transparency, independence and proven track record mean that we can meet the rigorous demands of NFP trustees, and ensure you get the financial advice you need. We are experienced in providing financial management advice to a range of trusts and NFPs.
Alongside our financial planning and wealth management advice, our clients often require associated professional services that are outside our areas of expertise. Similarly, other professional advisers such as lawyers and accountants often need a partner they can entrust with their clients’ regulated financial services requirements.
We strive to provide our clients with a seamless ‘family-office approach’ and so like to build strong, lasting partnerships with other professional firms who share the same commitment to providing the best possible advice and client service.
All of our advisers are Chartered Financial Planners and our team is committed to delivering exceptional client service.
Angus is our founder and CEO, and is responsible for our overall business strategy and relationships with key clients and partners. As well as being a Chartered Financial Planner, Angus is a Fellow of the Chartered Institute for Securities and Investments (FCSI) and an Associate Taxation Technician (ATT).
Glyn is our investment director, he has been with us since our very early days, having joined clarity in 1999. Prior to that, Glyn spent seven years working in the City, after initially training with William Mercer. Glyn is a Chartered Financial Planner and chair of our investment research committee.
Claire is our associate technical director and a Chartered Financial Planner. She specialises in advising high net worth individuals and families, and is head of technical research with responsibility for writing our research notes and financial planning briefings.
Craig is a Chartered Financial Planner who is also in charge of the Paraplanning unit. He is a Fellow of the Personal Financial Society, and holds a Graduate Law Diploma from the College of Law. Craig has over 25 years’ industry experience mainly in technical roles with Legal & General and Standard Life, before joining clarity in 2007.
Dan is a Chartered Financial Planner who joined clarity in 2007, having started his financial services career at Legal & General in 2005. He holds the Advanced Diploma in Financial Planning, is a Fellow of the Personal Finance Society and is currently studying for his Investment Management Certificate.
Naomi is a Chartered Financial Planner who provides advisory and paraplanning services to clients of both clarity and clarityTaylorVinters. In 2018, she was named ‘Paraplanner of the Year’ at the prestigious Money Marketing Awards – a testament to her incredible technical and research skills.
Vicki is a Chartered Financial Planner who specialises in lifestyle financial planning for high net worth individuals. As well as holding Chartered status, Vicki holds the Investment Management Certificate, parts one and two of the Chartered Financial Analyst qualification, and is a Fellow of the Personal Finance Society.
In addition to our strategic financial planning advice and investment management services, we have expert partners that provide legal, tax, mortgage and currency services.
Read the latest news and views from the clarity team.
An update on COVID-19 from our investment director, Glyn Bolton, and operations director, Philippa Collier.
An important update from our investment committee regarding the L&G UK Property Feeder, the Aviva UK Property Feeder and the Aberdeen UK Property Feeder.
The clarity investment committee regularly reviews the funds on our buy list and has recently made some changes.