Enjoy financial freedom
at every life stage

At Clear Financial Advice, we provide affordable financial planning services that empower individuals, families and business owners to protect and increase their wealth.

Our independent financial advisers in Essex will deliver the support you need to become financially self-confident and achieve your best financial future.

Meet our advisers

Retirement has changed. Once, you could rely on your employer to provide a pension income. Now, the investment decisions you make throughout your working life will determine the standard of living you enjoy in your golden years. Our financial advisors can help you calculate how much your ideal retirement lifestyle will cost and ensure that your money lasts long enough to pay for it.

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The average lifespan is increasing, and many existing retirement plans are failing to keep up. If you’ve already retired, you could potentially need your savings to last a further 25 years than expected (or even more). How can you reorganise your pension plan to ensure you maximise assets, limit inheritance tax implications and enhance your current lifetime income?

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The first hurdles of adult life can feel daunting. From securing a first mortgage to making use of pension contributions and ISA allowances, you’re always searching for ways to grow and save your money, ever conscious of the cost of not planning ahead. We can help you prioritise goals, build financial self-confidence and make sure you’re laying down secure financial foundations.

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Given the demands of a growing business, many owners lose sight of the ultimate goal: to enhance their personal wealth. How can you convert your business into a planned retirement income capable of supporting you and your loved ones? We’ll show you by addressing the future of the business, planning for your succession, sale or exit, and reducing your vulnerability to risk.

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Times change, but your ambitions shouldn’t. In today’s low-return world its more important than ever to question whether your money is working hard enough – and constantly analyse whether you are achieving maximum value from your portfolio. We’ll help you get to a point where you’re confident your money is doing what it should, and comfortable with how it’s been invested.

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Whether arranging the move for yourself or a loved one, there is a lot to contend with when entering into a long-term care arrangement, not least navigating the complex legislation surrounding Power of Attorneys and deciding what to do with your much-loved family home. Our independent financial advisors can help to eliminate confusion and take back control of your circumstances.

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Approaching Retirement

Retirement has changed. Once, you could rely on your employer to provide a pension income. Now, the investment decisions you make throughout your working life will determine the standard of living you enjoy in your golden years. Our financial advisors can help you calculate how much your ideal retirement lifestyle will cost and ensure that your money lasts long enough to pay for it.

find out more

Retired

The average lifespan is increasing, and many existing retirement plans are failing to keep up. If you’ve already retired, you could potentially need your savings to last a further 25 years than expected (or even more). How can you reorganise your pension plan to ensure you maximise assets, limit inheritance tax implications and enhance your current lifetime income?

find out more

Young Family

The first hurdles of adult life can feel daunting. From securing a first mortgage to making use of pension contributions and ISA allowances, you’re always searching for ways to grow and save your money, ever conscious of the cost of not planning ahead. We can help you prioritise goals, build financial self-confidence and make sure you’re laying down secure financial foundations.

find out more

Business Owner

Given the demands of a growing business, many owners lose sight of the ultimate goal: to enhance their personal wealth. How can you convert your business into a planned retirement income capable of supporting you and your loved ones? We’ll show you by addressing the future of the business, planning for your succession, sale or exit, and reducing your vulnerability to risk.

find out more

Individual

Times change, but your ambitions shouldn’t. In today’s low-return world its more important than ever to question whether your money is working hard enough – and constantly analyse whether you are achieving maximum value from your portfolio. We’ll help you get to a point where you’re confident your money is doing what it should, and comfortable with how it’s been invested.

find out more

Long Term Carer

Whether arranging the move for yourself or a loved one, there is a lot to contend with when entering into a long-term care arrangement, not least navigating the complex legislation surrounding Power of Attorneys and deciding what to do with your much-loved family home. Our independent financial advisors can help to eliminate confusion and take back control of your circumstances.

find out more

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60+ years experience in the Clear IFA team
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On average we advise our clients for 20 years
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We’ve helped over 800 families since 2006

What makes us different?

At Clear Financial Advice, we’re building financial self-confidence, one family at a time. Our financial advisers deliver comprehensive advice that’s backed by a no hidden fees guarantee and an honest approach you can trust.

Since 2006, our clarity, care and understanding has helped clients across Essex to protect and increase their wealth at every life stage and through every financial decision. We call this the Clear Advice Advantage, and it’s something that truly sets us apart.

Talk to us

We give clients the Clear Advice Advantage

In a world of DIY financial apps, there’s value in sound independent advice. That’s why you won’t find an algorithm here. Better than that, you’ll build a real relationship with an Essex-based financial adviser and work together to achieve your best financial future.

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Step One

We’ll develop a clear picture of your current situation and future aspirations, sharing honest advice to help you identify and articulate future life plans and set achievable goals.

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Step Two

With a destination in mind, we’ll help you to construct a financial plan to get you there, aligning retirement, investment and protection planning in harmony with your goals and attitude to risk.

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Step Three

We’ll use our understanding of your goals and risk attitude to deliver behavioural coaching, which develops your financial self-confidence through every life stage, with the long term in mind.

Get complete peace of mind
with your very own free Financial Passport

There are many practical issues to manage when someone becomes seriously ill or passes away. Reassuringly, you can now document your family’s financial affairs in one place using our helpful Financial Passport.

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Financial Passport from Clear Financial Advice

View a selection of our testimonials

  • Howard’s whole of market access to investment products, along with his knowledge and ethics sets him apart from the competition. A true professional in his field and one that we can highly recommend.

    Dean CaldonDean Caldon
  • Howard, at Clear, has supplied financial services and advice for a wide circle of colleagues and close friends. His experience and knowledge shines through, and he is dedicated to supplying a top-notch solution for all clients.

    Fret WorkFret Work
  • He had the answers I needed , I would use him again for any Financial issues.

    VouchedFor UserVouchedFor User
  • Thank you very much. He was extremely helpful.

    VouchedFor UserVouchedFor User
  • Howard helped arrange my life insurance, he was very patient, thorough and professional, and I wouldn't hesitate to recommend him.

    Stuart SmallksStuart SmallksBrentwood
  • Paul gave clear and helpful advice and support with prompt responses in a time-critical situation

    VouchedFor UserVouchedFor User
  • I would highly recommend clear financial advice, very knowledgeable and professional at all times.

    Jo JonesJo JonesBrentwood
  • I contacted VouchedFor for a free initial consultation, and Paul contacted me quickly, in response. His manner was very friendly and professional - I felt very at ease talking to him. If I require further advice in the future, I would definitely consider contacting Paul.

    VouchedFor UserVouchedFor User
  • Paul listened carefully and was incredibly quick to answer all questions and suggest possible solutions. A very impressive and knowledgeable adviser Thank you.

    VouchedFor UserVouchedFor User
  • This man will never be a politician. He answered my questions, clearly and without any BS. I would recommend this man without hesitation.

    VouchedFor UserVouchedFor User
  • Paul quickly and simply discussed my issue and gave good advice on how to proceed.

    VouchedFor UserVouchedFor User
  • Howard is very warm and personable, his vast wealth of financial expertise is the reason my family and I will be using him and his accomplished team going forward. Would highly recommend.

    VouchedFor UserVouchedFor User
  • Cant thank you enough Howard ...very much appreciated, sound advise .. highly recommend

    Paul DadyPaul Dady
  • very knowledgeable and honest advice highly recommended and you will not regret engaging Clear Financial advice!

    Terry MaylinTerry MaylinHockley
  • A lovely guy! Extremely helpful, kind and understanding.

    VouchedFor UserVouchedFor User
  • Fantastic knowledge and advise given, Really impressed.

    Craig NichollsCraig Nicholls
  • So easy to talk to and straight forward advice

    VouchedFor UserVouchedFor User