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

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

    Jo JonesJo JonesBrentwood

  • What were the circumstances that caused you to look for a financial adviser?

    Knowledge and experience

    How did Howard Bullock help you?

    First class service and advice from Howard and his team are always efficient and nice to deal with - as is Howard. I always recommend Howard to my clients and other associates.

    Have you seen the outcome you were hoping for?

    Yes without doubt

    What could they have done better?

    I cannot think how they could improve further.

    VouchedFor UserVouchedFor User

  • So easy to talk to and straight forward advice

    VouchedFor UserVouchedFor User

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

    VouchedFor UserVouchedFor User

  • 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.

    StewartStewart

  • 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

  • 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

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

    VouchedFor UserVouchedFor User

  • 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

  • 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.

  • 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

  • Fantastic knowledge and advise given, Really impressed.

    Craig NichollsCraig Nicholls

  • 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

  • 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

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

    Kim Redwood-LeeKim Redwood-LeeBillericay

  • What were the circumstances that caused you to look for a financial adviser?

    I’m financially clueless

    How did Howard Bullock help you?

    Advice and support

    Have you seen the outcome you were hoping for?

    Yes but ongoing

    What could they have done better?

    Nothing

    VouchedFor UserVouchedFor User

  • 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

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

    Paul DadyPaul Dady

  • 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