Independent financial planning and wealth management advice
Whether you’re looking for a long-term financial planning and wealth management partner, or just need independent financial advice for a particular issue, clarity is here to help.
Our experienced, highly qualified and personable advisers are supported by market-leading financial planning technology, including our WealthPlan forecasting tool. We know that everyone’s circumstances are different, so our services are flexible – you choose the level of advice and support that’s right for your needs.
To support you at every stage of your financial planning journey, we work with a number of carefully selected professional partners. So alongside our core financial planning and investment management expertise, you benefit from our broader network, including tax, legal and mortgage advisers.
Strategic financial planning: for control and peace of mind
It’s never too early to start planning for your financial future. Whatever your most pressing financial priorities: funding education costs, saving for a deposit for yourself or a family member, planning for retirement or thinking of your legacy – having a clear financial plan can help ensure you meet all your financial objectives.
Working closely with you, your clarity adviser will recommend a financial plan to achieve your goals, in a tax-efficient way and at a level of risk that you’re comfortable with. Our WealthPlan modelling and forecasting tool, helps give you an even clearer picture of your financial situation; both now and projected forward throughout your life. So you can enjoy financial freedom, while protecting and managing your wealth, throughout the generations.
Download our brochure for more information on how we work, and the different service options available to you.
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WealthPlan: our innovative modelling and forecasting tool
A cornerstone of effective financial planning is having a clear sense of your 'numbers' - both now and in the future. Your income, outgoings, capital and, of course, your financial goals over the short, medium and long term. WealthPlan is our innovative technology that brings together all of your financial information, and provides a year-by-year graphical summary of your estimated future capital and income vs your targets.
A powerful financial planning and cashflow modelling tool, WealthPlan helps you take control of your wealth and provides a mathematical foundation for important, and often emotional, financial decisions.
Extremely flexible, WealthPlan underpins our strategic financial planning services and is designed to handle even the most complex financial arrangements. Using your current asset values, income streams, targets and known/planned future activity (e.g. regular pension contributions or investments), WealthPlan provides a graphical projection of the estimated future value of your capital and income, clearly highlighting any shortfall or surplus.
Request for WealthPlan demonstration
Investment management services: a proven approach to wealth management
Our investment services range from bespoke portfolio management with regular reviews and rebalancing, through to a non-advised transaction and administration service. When using our ongoing investment management services (IMS), your clarity adviser will recommend an appropriate investment strategy, based on your personal circumstances and goals. We’re then on hand, as required, to ensure your investments remain aligned with your aspirations and, crucially, your attitude to risk.
If you’d rather make your own investment decisions, we provide a wide range of tools and research to help you, as well as our fund buy list – which is kept under continual review by our investment committee.
You can find out more about our range of investment management services in our brochure. And if you’d like to know more about our approach to investment management, including how we select the funds on our buy list, you can request a copy of our investment methodology guide.
Request for investment methodology guide
Environmental, Social & Governance (ESG) Investments
If ethical and/or environmental factors are an important consideration for you, our investment management services include a range of ESG portfolios and associated ESG buy list.
ESG stands for ‘environmental, social and governance’; the three broad headings used to assess and measure a company’s sustainability and ethical credentials.
Socially responsible investing, impact investing, ethical investing, sustainable investing; these are all terms that can be caught under the ESG umbrella. However, as with many things in life, not all ESG funds are created equal. Careful analysis is required in order to fully understand how a fund is invested and avoid ‘greenwashing’. That’s where clarity’s investment research committee comes in. We’ve added a comprehensive ESG overlay to our rigorous investment methodology, so our buy list now includes ESG fund options for all sectors covered. And each of our risk-rated model portfolios now has a corresponding ESG option.
Request for investment methodology guide
clarityONLINE: your secure financial planning hub
clarityONLINE is our online financial planning and investment hub. Login or create an account now to access a huge range of tools and information to help you manage your wealth.
Anyone can register, free of charge, for a clarityONLINE account. With the exception of WealthPlan, which is only available to our financial planning clients, the vast majority of our online resources are available to everyone. Use our financial calculators to help with your decision making, and access the wealth of financial planning and investment information available in our research library. If you’re a clarity client, you can also access your latest valuation and manage your investments.
clarity is completely independent, meaning we’re not tied to any product provider, platform or investment management group. So we can always recommend the most suitable option for your specific needs, without being limited to a particular product range. clarityONLINE, WealthPlan and VirtualWrap® are all proprietary systems; designed, built and maintained by clarity’s in-house development team.