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.
We have known Paul for approximately 6 or 7 years and have found him to be very professional and give sound advice. We have always found him to be very approachable and easy to contact with any problems or queries. Would thoroughly 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.
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.
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 initially spoke to Howard in 2011 regarding some funds we had sitting in a savings account earning little or no interest. As my knowledge of investments was limited Howard explained everything clearly so I totally understood where and why it would be a good idea to invest my money in certain areas. He gave us variousWe were told what the costs were in total prior to signing any paperwork so that we knew exactly what we were paying for.Since then I have used the services of Howard Bullock on several occasions and would have no hesitation in recommending him and already have done.
Although we have only known Paul for around 18 months during this time we have always found him to be not only a very likeable person but one that is very easy to talk to, patient and willing to explain information at a level we can understand. That’s very important to us! Once that he understood both our attitudes to risk and the reason why we had consulted him in the first place he was soon able to reassure us and come up with a suitable plan. We would have no hesitation in recommending him to someone in the same situation.