The perfect pension plan is different for everyone, as it depends on a wide number of varying factors.
But, the initial question to inform an effective plan is always the same…What kind of lifestyle do you want when you retire?
At Clear Financial Advice, we’ve over 40 years combined experience in pension and retirement planning. By taking a considered, and logical approach we’re able to advise clients on how best to navigate the complex taxation and investment landscape. And, most importantly, to propose individual recommendations that produce the best possible income when our clients decide to retire.
We provide objective advice on the following products:
How do the new rules affect your pension pot?
The Government’s new pension rules mean that you now have several choices when it comes to what you can do with your pension. This includes, releasing funds, receiving a guaranteed income, passing funds down through generations or a mixture of options. What you may not realise, is that not all pensions allow you to take full advantage of these new rules.
We can help you find a pension that’s truly fit for purpose.
The Financial Conduct Authority does not regulate taxation advice.
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.
The last adviser i had was very friendly and easy going but i felt that i made most of the decisions , Howard is also very easy to get on with but has come up with suggestions that fit with my plan.I like to feel that my advisor is listening to me and then together we can agree on the best way forward, i have found Howard very good in this respect.
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.
Howard consistently offers a broad range of financial services – all of which he seems to have a deep understanding. The advice I have received has been tailor made to my own personal situation and it has been this individual attention to detail, coupled with a wide range of products , that sets Howard apart from any other financial advisers I have come across.
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.