About us

Who are Clear Financial Advice?

By offering a rigorous financial advisory service designed to protect and increase your wealth at every stage of life, Clear Financial Advice goes the extra mile to support you, your family and your business through every financial decision.

Meet the team

Howard Bullock, Managing Director of Clear Financial Advice

Howard Bullock

Founder and Financial Adviser

Reviews and Ratings for Financial adviser Howard Bullock, Southend-on-Sea

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 trained to 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 by helping business owners, individuals and families gain a better understanding of their existing financial position and advising them on how best to protect and increase their wealth along the way.

Paul Davis

Paul Davis

Financial Adviser

Reviews and Ratings for Financial adviser Paul Davis, Southend-on-Sea

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 he has to his name in Billericay and much further afield. Paul’s 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, and in 2010, Paul was invited to join Clear Financial Advice. He describes the firm as a perfect fit for his ever-evolving skill set, as, in his own words, the firm offers a “pragmatic, logical and friendly approach that mirrors my own”.

Kayleigh Turner

Kayleigh Brooks


Kayleigh has worked in the Financial Service industry since 2009 and joined the firm in 2018 as an experienced Paraplanner. She works closely with Howard and Paul in the delivery of advice to our clients. Kayleigh is also an integral member of the Firm’s Due Diligence and Investment Committee.

Caroline Reeves

Office Manager

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


Non-Executive Director of Morale

Logan joined the firm in January 2023 and immediately had a hugely positive impact on the rest of the team! Although his obvious strengths are wagging his tail and looking cute, he devotes much of his day tending to various squeaky toys and seeking attention from the rest of the team.

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.

find out more

Financial Passport from Clear Financial Advice