Retirement Planning

Retirement Planning & Pension Advice

Retirement Planning

Retirement Planning

Can you be sure that your pension plan will provide you with the lifestyle you want when you eventually retire?

If not, it could be time to seek advice from the retirement planning specialists here at Clear Financial Advice in Billericay, Essex.

We have over 40 years combined experience in delivering expert pension planning advice that enables our clients to enjoy a comfortable and rewarding retirement.

By taking a considered, logical approach to pension planning, we help individuals, couples and families navigate the complex taxation and investment landscape and put a strategy in place now that will enable them to receive the best possible income in later life.

We provide objective advice on the following products:

Personal Pensions

Create a retirement plan that works perfectly for you

  • Personal Pension Plans
  • Stakeholder Pensions
  • Self-Invested Personal Pensions (SIPPs)
  • Trustee Investment Plans (TIPs)
  • Annuities
  • Enhanced Annuities
  • Temporary Annuities or Fixed Term Annuities
  • Unsecured Income (formally known as Income Drawdown)
  • “Third-Way” Products

Business Pensions

Set the wheels in motion for yourself and your staff

  • Small Self-Administered Schemes (SSAS)
  • Group / Corporate Pensions
  • Auto-Enrolled Pensions

How will the government’s new rules affect your pension pot?

The UK government’s new pension rules mean that you now have several choices when it comes to what you can do with your pension in retirement. Generally, you can release funds, receive a guaranteed income, pass funds down through the generations, or opt for a mixture of all three approaches.

What you may not realise, however, is that not all pensions allow you to take full advantage of these new rules.

Contact Clear Financial Advice today and we’ll help you find a pension that’s truly fit for purpose.

The Financial Conduct Authority does not regulate taxation advice.

Get in touch

Can we help you with any Retirement Planning matters? Please contact us today and we’d be very happy to start a conversation with you.

View our latest Retirement Planning blog posts

View our Retirement Planning testimonials

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

    Jo JonesJo JonesBrentwood
  • 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 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
  • 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
  • very knowledgeable and honest advice highly recommended and you will not regret engaging Clear Financial advice!

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

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

    Help with pension and inheritance planning in retirement

    How did Howard Bullock help you?

    Understood what i wanted and helped put in place the plan i needed

    Have you seen the outcome you were hoping for?

    Yes it has gone well considering the difficult markets we are having to deal with

    What could they have done better?

    To be honest not a lot , his advice has been good , he is easy to talk to , takes on board any concerns i might have , and is easy to get hold of when i need to talk.

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

    Kim Redwood-LeeKim Redwood-LeeBillericay
  • Very helpful and took onboard my needs of reaching out to a Financial Adviser. He took time to listen and give feedback on what my possible options were. I am currently digesting the advice/feedback he gave and Paul has kindly offered to assist me with the subject matter we discussed in a future call. I am grateful for Paul's time and patience. A very switched on individual and talked to me in terminology that I understood - didn't blind me with science, which was the result I had wished for.

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

    Paul DadyPaul Dady
  • Thank you very much. He was extremely helpful.

    VouchedFor UserVouchedFor User
  • Howard, at Clear, has supplied financial services and advice for a wide circle of colleagues and close friends. His experience and knowledge shines through, and he is dedicated to supplying a top-notch solution for all clients.

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

    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?


    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
  • 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
  • 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.

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

    VouchedFor UserVouchedFor User

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