Personal
Financial Advice

We offer comprehensive personal financial advice for individuals looking to maximise the return from their investments.

Who are you?

Generally, you’ve taken a DIY approach to your finances. You’ve dabbled in investments, set up numerous pension plans and perhaps even taken a chance on some higher risk plans in the past. You wouldn’t say you’re a financial expert, but so far, you’ve been confident in your choices.

Now, however, you’re questioning whether your money is working hard enough in today’s volatile, low-return world. You’re worried that you’re no longer ahead of the curve where your cash and assets are concerned. You need a second opinion – and, eventually, you want to leave the management of your financial affairs in somebody else’s capable hands.

How we can help

Times change. Markets grow, markets fall. The team at Clear Financial Advice are here to help you develop a portfolio that delivers maximum value, regardless of what’s happening in the global economy – so you know you’ll always be on track to realise your greatest financial ambitions.

You can trust our straight-talking independent financial advisers to put you firmly on the path to financial freedom. We’ll always work with your broader goals in mind, and we’ll deliver expert guidance in a refreshingly honest and transparent way.

Protection Insurance

Protection

Safeguard the things that matter the most with tailored life cover, critical illness cover and income protection insurance.

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Retirement Planning

Retirement Planning

Save confidently for your retirement and enjoy a comfortable, consistent income from your pensions and other investments.

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Investments

Place your money and assets into investment solutions that will generate an impressive yield without exposing you to unnecessary risk.

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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 advisor 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 testimonials from our “Individual” clients

  • So easy to talk to and straight forward advice

    VouchedFor UserVouchedFor User

  • The Guys at Clearifa really know their market. They offer financial advise that is second to none. highly recommend.

    My Pool Direct Ltd.My Pool Direct Ltd.

  • Thank you very much. He was extremely helpful.

    VouchedFor UserVouchedFor User

  • Very helpful and took onboard my needs of reaching out to a Financial Adviser. He took time to listen and give feedback on what my possible options were. I am currently digesting the advice/feedback he gave and Paul has kindly offered to assist me with the subject matter we discussed in a future call. I am grateful for Paul's time and patience. A very switched on individual and talked to me in terminology that I understood - didn't blind me with science, which was the result I had wished for.

    VouchedFor UserVouchedFor User

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

    VouchedFor UserVouchedFor User

  • 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

  • I have used Howard as my Financial Guru for the past 5 years and also introduced him to several of my clients. Howard has a great knowledge of his industry and is able to provide you with detailed information that helps you to make a decision on how you wish to progress.
    He always keeps you informed of what's going on in the Financial world and I am very happy that he is assisted me to keep on target with my plans.

    Kevin RadfordKevin Radford

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

    VouchedFor UserVouchedFor User

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

    VouchedFor UserVouchedFor User

  • Howard arranged my defined benefit review and transfer. He was professional and friendly, and kept me informed of progress by email at all times. He ensured things remained on track and succeeded in meeting a tight deadline - I would not hesitate to recommend him.

    Frank WardFrank Ward

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

    VouchedFor UserVouchedFor User

  • I am pleased to be able to refer clients to Howard Bullock because he has alot of experience in investment products and is able to provide professional and honest advice, He is there to help as opposed to just trying to sell products to gain a commission.

    Paul BoothPaul Booth

  • 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

  • Excellent service, Clear Financial advice really do give clear financial advice. Would highly recommend.

    Kim Redwood-LeeKim Redwood-LeeBillericay

  • 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.

    BernardBernard

  • Fantastic knowledge and advise given, Really impressed.

    Craig NichollsCraig Nicholls

  • 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

  • Really professional service. Howard gave us excellent advice and has managed us through a rather complicated process of merging pensions without any hassle. Feel so happy to have him there for future financial advice and investment planning.

    Jill WillisJill WillisBillericay

  • 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

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

    Jo JonesJo JonesBrentwood