About Us

About Us


Find out about us

At Clear Financial Advice, we go the extra mile to support you, your family and your business. With a rigorous financial advisory service designed to protect and increase your wealth at every life stage and through every financial decision.

Meet the team


Howard Bullock
Howard Bullock
Founder and Financial Adviser

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Howard Bullock VouchedFor

Howard began his career on the London International Financial Futures Exchange (LIFFE), where he worked successfully as a Trader for almost 12 years. When the Exchange closed its trading floor, he decided to pursue a different path and become a Financial Adviser.

His logical and clear approach to financial advice was well received by clients, and so Howard became an Independent Financial Adviser the following year.

He went on to establish Clear Financial Advice in 2006. Always responsive to the needs of his clients, Howard puts his extensive experience to great use helping business owners, individuals and families gain a better understanding of their existing financial position and how best to protect and increase their wealth along the way.

Paul Davis
Paul Davis
Financial Adviser

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Paul Davis VouchedFor

Paul became an Independent Financial Adviser in 1994, having previously worked in Pensions administration for prominent national schemes including The Law Society Retirement Benefits Scheme.

Since then he’s successfully increased his knowledge and experience, and is incredibly proud of the healthy list of long standing clients built in his home town of Billericay, and much further afield. His technical knowledge has also enabled him to build relationships with several Chartered Accountants and Will Writing professionals, meaning he can provide a holistic advice service.

Howard and Paul had been friends for a number of years, when in 2010 Paul was invited to join Clear Financial Advice. He describes the firm as a perfect fit. “Pragmatic, logical and friendly, and approach which mirrors that of my own”.

Caroline Reeves
Caroline Reeves
Office Manager

Caroline is our Office Manager having joined the firm in April 2011. She has many years of experience in administration and office management. Caroline is an invaluable member of the Team.

Obi
Obi
Non-Executive Director of Morale

Obi (named after the famed Jedi Knight) joined the firm in June 2016 and his positive impact on the rest of the team was immediate. Although his obvious strengths are looking cute and tail wagging, he devotes much of his day tending to various squeaky toys.

Feedback from our clients

My Advisor Howard Bullock of Clear Financial Advice gives me prompt clear advice regarding my Pension and Investments. Howard will say if h3e can help improve my investments or if they should stay where they are. I have been extremely please with the service form Clear Financial Advice and will continue to refer them to my own contacts.

The last adviser i had was very friendly and easy going but i felt that i made most of the decisions , Howard is also very easy to get on with but has come up with suggestions that fit with my plan.I like to feel that my advisor is listening to me and then together we can agree on the best way forward, i have found Howard very good in this respect.

Howard is very down to earth so you understand what he is telling you and very honest so you know that he is telling you what is best for you and not him!

Although we have only known Paul for around 18 months during this time we have always found him to be not only a very likeable person but one that is very easy to talk to, patient and willing to explain information at a level we can understand. That’s very important to us! Once that he understood both our attitudes to risk and the reason why we had consulted him in the first place he was soon able to reassure us and come up with a suitable plan. We would have no hesitation in recommending him to someone in the same situation.

Alison

Howard explains what he is going to do in a calm, confident and readily understandable way. He is excellent at explaining exactly what he is proposing to do and how much it is going to cost. Whatever I wish to discuss with Howard, he has the ability to give all the reassurance I need.

My wife and I found Howard to be very clear and structured in all of our dealings with him. Investments: Various options were put to us that were felt to meet the requirements we had outlined. All of these were discussed at length before a “best fit” was agreed upon.Pensions: Both of our pension portfolios were analised to appraise where they were and whether or not any action should be taken to ensure that these would meet our expectations. Howard gave our finances the “health check” that was required and we are very happy with the results.

Review from Verified ClientVouchedfor - Verified Client