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 wagging his tail and looking cute, he devotes much of his day tending to various squeaky toys.

Feedback from our clients

Paul provided impartial, honest and considered advice after listening and considering my needs. His advice proved to be accurate, but most importantly he responded when he said he would and did what he said he would do! This is a basic thing – but not often carried out! I would have no hesitation in recommending Paul in the future.

Stewart

When, like me, your investment knowledge is limited the first things you want from an IFA is someone whose honesty, experience and advice you feel you can trust. If after that you get to like them as a person who shares similar values with you, as I have and do, then the association should prove to be fruitful. I recommended Paul to both my sons when they needed mortgage advice and would not hesitate to recommend him to others.

Bernard

Paul is very easy to talk to,most helpful and always ready to explain fully and queries. I have always been more than pleaseed with his service to me.

Edith

Paul has proved to be approachable, responsive and willing to go the extra mile. These are difficult times to find a decent return on savings and investments and my final judgement of Paul will be based on the return we receive over a period of 3 to 5 years. From my dealings with Paul I have formed a positive view of his ability and I would be happy to recommend him to others. His patience and tolerance of my many uninformed questions has been greatly appreciated.

Don

Paul has been our financial adviser for many years and has helped us with general investments and pension provision. We have always found him to be approachable, trustworthy and reliable. He understands our attitude to risk and our need to be cautious investors and has explained thoroughly and in simple terms any possible changes that might affect us. He keeps us regularly updated with our investments and is always available to give us advice on any other financial problems which may occur. We would not hesitate to recommend him to others.

Eddy

Paul was recommended to me by a colleague, i am always very guarded when speaking with professional finance people but Paul was very different from the usual, he was extremely helpful, he listened to my needs and offered me lots of different options, he explained everything very thoroughly and always conducted himself very professionally.I trusted him 100% with my financial needs and his advice has put me in a very comfortable position.I have since recommended him to other members of my family and a lot of my friends/business colleagues.I would thoroughly recommend him for all your financial planning needs.

Patrick O’Callaghan
Review from Verified ClientVouchedfor - Verified Client