Financial Advice

for Retirees

Enhance your income and make the most of your savings and assets during your retirement with clear, actionable advice from our team.

Who are you?

As a retiree, you now have the time to enjoy the finer things in life. Perhaps you’re keen to move home or downsize; maybe you want to travel or simply arrange endless days out with the family.

Either way, you know, deep down, that you may not have the money to make these plans happen.

You’ve realised that your cash isn’t going as far as you’d hoped, or that you’re worried about extending your savings into your 70s, 80s and beyond. You know that changes need to be made to your finances if you’re going to maintain your current lifestyle, but you don’t know what to do or where to go for advice you can truly trust.

How we can help

At Clear Financial Advice, we specialise in providing clear, comprehensive advice on all aspects of financial planning for retirees.

It’s our job to help you reorganise your pension plan to maximise your assets, limit your inheritance tax implications and enhance your current lifetime income. Everything we suggest will take your unique situation into account, and our friendly, transparent way of working will ensure you receive an exceptional level of service, always.

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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inheritance tax

Inheritance Tax

Plan ahead to protect your estate and make sure as much of your wealth is passed on to your loved ones as possible.

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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

Read our latest blog posts specifically for our “Retired” clients

View testimonials from our “Retired” clients

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

    Jo JonesJo JonesBrentwood

  • Thank you very much. He was extremely helpful.

    VouchedFor UserVouchedFor User

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

    VouchedFor UserVouchedFor User

  • 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

  • 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

  • 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

  • So easy to talk to and straight forward advice

    VouchedFor UserVouchedFor User

  • 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

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

    Kim Redwood-LeeKim Redwood-LeeBillericay

  • 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 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

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

    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

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

    Paul DadyPaul Dady

  • 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

  • Fantastic knowledge and advise given, Really impressed.

    Craig NichollsCraig Nicholls

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

    VouchedFor UserVouchedFor User

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

    VouchedFor UserVouchedFor User

  • 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