Bespoke independent financial advice and wealth management services

In the complex world of financial planning,
you need clarity

Are you looking for clarity?

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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:

  • investing for children
  • school fees planning
  • pensions and retirement (including pension sharing on divorce)
  • wealth preservation
  • tax and business planning
  • estate and inheritance tax planning

Finding the right financial adviser, who you can work with for the long term, is essential.
That is why you need clarity.

What our customers say

  • We have found the on-going guidance and investment strategy of Angus Jones and his team to be well informed and well suited to our requirements for long term investing.


    Richard Poffley
  • 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


    Ian Harding
  • 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


    Ninette Thomson
  • 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.


    FTSE 100 Communications Director
  • I have for a number of years used the services of clarity for my own pension, personal tax and investment affairs, as they provide an excellent proactive service of fee-based advice.


    Cedric Read
  • 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.


    Rachel Dawson-Bowman
  • 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.


    Tim O'Connell
  • As I approached my 75th birthday clarity ensured a highly satisfactory result with regard to taking my retirement benefits.


    EW Hoult
  • clarity provides an excellent sounding board for me to discuss how to plan my pension income strategy.


    Philip Ashton
  • I have found clarity very useful in helping me to schedule, monitor and control my financial affairs with their efficient diary and valuation services.


    Rodney Morton
  • 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.


    David Wynne
  • 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


    William Ledger
  • I have found clarity's expert technical knowledge extremely useful when considering how the new pension rules affect my pensions planning.


    Steve Gilman
  • clarity gives me strategic direction over my investments, savings and retirement objectives whilst I am busy running a company.


    David King
  • We selected clarity because they are fee-based and hence impartial in this respect. The response to this company benefit has been very positive.


    William Hill
  • Where I use clarity is to provide expertise in the broader perspective needed to cover my asset allocation and overall financial strategy.


    Roger Pilgrim
  • ...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.


    EMC
  • 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.


    InBev
  • clarity's advice and importantly, their administrative back-up, have ensured that new investments can be pre-cleared quickly and efficiently...


    John Harley
  • Our advisor was very thorough, developed a financial plan that suited our circumstances and explained our options in terms that were easy to understand.


    Tracy Wyman
  • The regular reviews I receive from clarity... give me the proactive regular review mechanism I need.


    Chris Cowan
  • clarity provides clear and professional advice in the highly complex area of tax and financial planning.


    Alan Turner
  • 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.


    Bob Wallace
  • The addition of financial advice to our Flexible Benefits and new joiner packages has proved most valuable to our employees. It has allowed them to make more appropriate financial choices and to better value the benefits we work hard to provide.


    Cushman & Wakefield

About clarity

CII logo

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.

Independent financial planning advice as individual as you

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.

Our clients

Our services

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.

We also have specialised education and advice services for not-for-profit groups and employers.

Strategic financial advice

  • identify and understand your financial planning objectives
  • develop a robust financial plan in line with your life goals
  • optimise your tax position
  • continually monitor and review your financial arrangements to ensure you stay on track

Investment management services

  • advise on appropriate investments and wrappers
  • assess how well your current portfolio meets your needs
  • regularly monitor, review and rebalance your investments

Online financial guidance, tools and calculators

  • access to clarityONLINE, including our virtualWRAP™ service
  • benefit from expert guidance, opinions and research
  • use our calculators and other interactive modelling tools

Research and tools

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.

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Fund Focus

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.

Buy List

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.

Calculators

Access our range of financial calculators for mortgages, investments and pensions.

Research

Access our guides, briefing notes and educational articles on a wide range of topics including investments, tax planning and financial protection.

Case studies

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.

About these 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.

Become a client

clarity provides expert 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 type of financial advice that is right for you, when you need it.

Individuals

Find out more…

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.

Employers

Find out more…

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.

Not for Profit

Find out more…

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.

Meet the clarity team

All of our advisers are Chartered Financial Planners and our team is committed to delivering exceptional client service.

  • Angus Jones

    Managing Director

    Angus set up clarity in 1998 having previously worked at PwC for four years. His background is firmly in investment and tax planning advice having previously worked for the financial services division of a senior investment management company in the City, Capel-Cure Myers. He has advised clients for many years in all the aspects of investment, tax and pensions; both in the UK and overseas. Angus holds the qualification of Chartered Financial Planner and is both an Associate Taxation Technician and Fellow of the Chartered Institute of Securities and Investment.

  • Glyn Bolton

    Director

    Glyn joined clarity in 1999 after seven years working in the City, having initially trained with William Mercer. Glyn is a Director with special responsibility for the investment selection process at clarity. Glyn is also responsible for a number of corporate and individual clients, advising on investment, pensions, and other related topics. Glyn is a Chartered Financial Planner.

  • Claire Brooks

    Associate Director

    Claire is an Associate Director specialising in strategic financial life planning for high net worth individuals, and also heads up technical research within clarity. Claire is a Cambridge graduate who joined clarity in 2002, and is a Chartered Financial Planner, Fellow of the Personal Finance Society and a Fellow of the ICAEW. Prior to clarity she qualified as a Chartered Accountant and a financial planner at PwC.

  • Craig Porter

    Adviser

    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.

  • Daniel Smith

    Adviser

    Dan is a Chartered Financial Planner who joined clarity in 2007 and has worked in financial services for over 10 years. He holds the Advanced Diploma in Financial Planning and won the 2012 APFS prize for the highest marks obtained in completing the qualification within the Institute of Guildford. He is a Fellow of the Personal Finance Society.

Awards

Our partners

In addition to our strategic financial planning advice and investment management services, we have expert partners that provide legal, tax, mortgage and currency services.

Latest news

Read the latest news and views from the clarity team.

HMRC overseas assets notification

HMRC has requested that we contact all our clients and notify them of the following:

Financial institutions in more than 100 jurisdictions around the world are being legally required to find out the tax residence of their account holders and report details of their accounts, structures, trusts, and investments to be exchanged with the appropriate tax authorities. As a UK tax resident, any overseas accounts you have will be sent to HM Revenue & Customs (HMRC). This gives HMRC unprecedented levels of information to check that, as in most cases, the right tax has been paid.

  • By clarity
  • |
  • Published 03 August, 2017

Snap election puts Budget changes on hold

The snap election has meant that some clauses in the Finance Bill have been dropped to enable the majority of the Bill to be passed in time. This may mean that some changes relevant to your financial planning could now be delayed or possibly not come to pass.

  • By clarity
  • |
  • Published 23 May, 2017

The changing yield requirements of the UK Equity Income sector

For many years, one of the Investment Association’s (IA’s) requirements for funds listed in the UK Equity Income sector has been that they should produce an annual dividend of 10% above that of the FTSE All-Share Index. Before the financial crisis of 2008/09, when interest rates and dividends were at higher levels than they have been since, this ‘yield hurdle’ was widely seen as appropriate.

  • By clarity
  • |
  • Published 24 March, 2017

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