Insurance against an undesirable event such as sickness or even death may not be a pleasant thing to think about, but the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.
At Clear Financial Advice, we take a logical approach to protection. Unearthing the gaps in your existing protection, before recommending a realistic way to plug them.
The type of protection product we’ll help you consider includes:
More for your loved ones
By holding life cover in trust, you protect your beneficiaries from inheritance tax and help avoid probate. Helping your beneficiaries to be compensated sooner.
Setting up a trust is quick and easy, but deciding on the right trust can be more complicated.
Would your business suffer without its star player?
Key Person Protection (also known as key man insurance or key person insurance) insures your business against the financial loss it would suffer should a key person die or receive diagnosis of a specified critical illness.
The Financial Conduct Authority does not regulate taxation advice.
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.
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.
My wife and I found Howard to be very clear and structured in all of our dealings with him. Investments: Various options were put to us that were felt to meet the requirements we had outlined. All of these were discussed at length before a “best fit” was agreed upon.Pensions: Both of our pension portfolios were analised to appraise where they were and whether or not any action should be taken to ensure that these would meet our expectations. Howard gave our finances the “health check” that was required and we are very happy with the results.
I found Paul not to be pushy and explained the various options we could have with full illustrations. He always had plenty of time for our questions.Would 100% recommend him.
Howard Bullock, explains the whole process in a language I understand without using too much jargon. He is completely transparent when it comes to charges for the work they do. He is super efficient and paperwork is completed immediately and should I have a query I just email and I am met with an answer straight away.
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.