“If anything happened to one of us, we would know that we could call Clarus and they would know everything about us, which at what could be very stressful times in our lives would be so important. They are a critical friend on the journey through the forest.”
Our Clients
Whether you’re just getting started in your career, looking to grow your accumulated wealth, thinking ahead for your retirement or considering leaving a legacy for your loved ones, seeking expert financial advice can make all the difference to your future.
Retirement
For most of our clients, retirement planning doesn’t actually start at retirement, it happens much before.
At Clarus Wealth, we understand that you have spent a long time accumulating your wealth. Not only do you want to increase it, but also protect it to maintain the lifestyle you have created. You may also have grown-up children and grandchildren who you want to help along their journey, while ensuring your own enjoyable retirement.
At Clarus Wealth, we can help you to implement an effective income strategy, making use of available tax allowances to provide your desired level of income, ensuring any options and implications are evaluated at every stage. As Independent financial planners we can help with pension drawdown, annuities, workplace retirement options, pension lump sum investments, cashflow modelling and navigating tax issues.
At Clarus Wealth, we can also help with estate planning, creating a legacy for the people and causes you care about. Our careful and ongoing management of your family’s wealth will help family members to focus on their life goals knowing their wealth management needs are in good hands.
Typical questions we hear:
- What are my pension options?
- How can I be sure I won’t run out of money?
- Which of my investments should I draw my income from?
- What is the best way to make gifts to my children?
- What can I do about Inheritance Tax?
Here’s how we do it…
Our Approach
Knowing what your money is doing and how it’s helping you achieve your goals will give you an overall feeling of confidence and control over your finances. We like to keep the process as simple as possible, creating a clear, confident plan in 3 steps
Discover
We listen to you, we ask lots of probing questions so we can get a true understanding of what your concerns are, what your goals are and where you would like to get to. It’s not just about your money, it’s about your life. We understand how complex your life and financial situation can be, and we are here to simplify it and to help.
Develop
Now we know you and your goals, we create a comprehensive financial roadmap for your future. We will consider how all your plans and investments overlap and interact with one another in order to formulate the most effective and efficient strategy for you. This can be concisely summarised by the phrase “the whole is more than the sum of its parts”.
Deliver
Life never stands still for long. The best financial plans are designed to carry an element of flexibility so that if your long-term goals need to change, so can your plan. So, while it doesn’t mean that your overall goal has to change – it might just mean altering the road that ultimately gets you there.
We’re here for the whole journey
Regularly reviewing and adapting your financial plan is always recommended, no matter what’s happening, because it helps you to stay on track. We will continue to regularly meet with you to update the plan for life events and take into consideration any changes in your goals.
What our clients say
Chartered Status
Did you know that not all firms hold Chartered Status? We’re proud of our awarded status as Chartered Financial Planners. For us, it is so much more than a badge or an acknowledgement of exams passed. As a Chartered Firm, we are committed to a strict code of ethics and professional standards. Our Chartered badge proudly tells you that we have made a public commitment to putting you first.
Independent Financial Planner
We are completely independent, impartial and unbiased. This means that we truly work for you and with your best interests in mind at all times, giving you the best financial advice, considering the whole market and not influenced by any providers or other interested parties.
Client Forum
We don’t just pay lip service to listening to what our clients want. We regularly hold Client Forums throughout the year to truly understand how we can best serve our clients. We listen to what’s working and if something needs to be changed to make us better financial advisors, we make it happen. It is our mission to not only improve, but excel in what we do for our clients.
The Financial Vulnerability Taskforce
The Financial Vulnerability Taskforce is a newly created independent representative body covering the Personal Finance Sector whose ultimate purpose is to promote greater UNDERSTANDING, encourage appropriate BEHAVIOURS and establish GOOD PRACTICE in respect of consumer vulnerability. It will act as an informed source of positive influence on both policy makers, professionals and the general public alike. In doing so, we hope that professionals working across the Personal Finance Sector are increasingly seen as a ‘safe pair of hands’, especially by those who find themselves in vulnerable circumstances.