★ ★ ★ ★ ★ Multi-award winning financial planning
You set the goals and we will work with you to achieve financial freedom and a better way to manage your money.
Financial Adviser of the Year
Previous awards:
Financial Adviser of the Year
Finalist
October 2023
Financial Planner of the Year
Highly Commended
July 2023
Financial Planner of the Year
Winner
October 2020
Growth Investor Awards
Winner
December 2020
If you have ever wondered what a financial planner does, please watch this video. Stephen Jones is interviewed by Lawrence Gosling, Editor of What Investment.
Financial planning
We offer ‘best practice’ financial planning:
- Based around your life and your financial objectives
- With the aim of ensuring that capital and income is available when you need it
- That is all done as tax efficiently as possible
- That is adaptable to guide you through the ups and downs of life
- Our approach is based on financial forecasting, so that we can work towards the realistic achievement of your life and financial goals
We offer advice across the whole ESG & Sustainable Finance spectrum.
For our ESG Statement please click here
Financial planning services
Wealth Creation
Most of us don’t inherit fortunes or win lotteries, so we must earn and grow wealth ourselves. Managing cash is often neglected, yet it matters. Success needs discipline, wise diversified investing within our risk limits, and patience. Over time, compound growth can create transformational results.
Wealth Management
Wealth must be managed so it grows steadily and is available when needed. There will always be financial ups and downs, as seen in the pandemic. Our role is to guide clients with clear goals and help them make the best use of legitimate government tax incentives.
Contingency Planning
Life is never a straight path; setbacks like job loss, illness or even death can strike, as Covid-19 showed. We work with clients to shield them where they are most vulnerable, helping protect against the unexpected.
Planning at Retirement
Retirement today can be full or phased, and often funds are needed to pursue long-held dreams. It goes beyond pensions: all assets should work together in a plan that provides income when required. We also help clients prepare for the potential costs of later-life care.
Later Life Planning
People are living longer, and many will need care at home or in specialist facilities later in life. Our service goes beyond finances, ensuring wills and powers of attorney are in place. Later life planning secures income, protects assets, safeguards welfare, and guarantees wishes are respected.
Intergenerational planning
Most clients have clear wishes for their wealth after death, but many also face the reality of Inheritance Tax falling on beneficiaries. With thoughtful planning, the tax burden can be reduced, helping wealth transfer smoothly and efficiently, while ensuring legacies reach loved ones in the way intended.
Planning for business owners
Business owners face complex choices, balancing staff wellbeing with long-term plans. Many firms we see hold surplus cash that remains unused. In such cases we recommend structured cash management, which can generate valuable additional revenues, even in today’s environment of low interest rates.
Tax Efficient Investing
The government encourages saving and investing in young companies through major tax incentives. ISAs, pensions, EIS, VCTs and Business Relief, all HMRC-approved, help clients cut tax and diversify portfolios. Other tools include bonds and trusts, which can lower income, capital gains and inheritance taxes when used effectively.
We are the missing link between your finances & happiness.
Pressure-free financial planning
At Clear Solutions, we only work with an exclusive number of clients where we can add value.
We won’t dictate – instead, we listen carefully to your ideas.
By taking the time to understand your lifestyle, business, and your retirement plans, we can help you create a successful financial plan that gets results.
Whether you want to make the most of a large pot of cash, a set of investments you’re struggling to manage, or you’re seeking a better way to manage your finances, we can help.
What’s your situation?
Many of our clients are business owners, partners in professional firms or senior executives in large companies. They may have invested in stocks, shares or a property portfolio, but their decisions haven’t always led to the best return on investment.
Some of our clients are buying or selling a business, and they need advice on tax and protecting their assets. Some have received an inheritance and they’re worried about their tax liabilities. Others are facing divorce and need to tie up their finances.
Most of our clients share a common goal – to achieve a financially worry-free retirement.
Thoughts & Articles
EIS On Trial
On Thursday 19 July 2023 GBI Magazine hosted a one-of-a-kind “EIS On Trial" webinar in an attempt to uncover advisers’ true feelings about the enterprise investment scheme. Ultimately, the decision came down to the Jury (the viewers).
Stephen Jones named as a finalist in the 2023 EISA Awards shortlisting
In another challenging year, but with one of the largest number of entries seen, Stephen Jones has been short-listed as one of the finalists in the Enterprise Investment Scheme Association Awards category of Best Financial Planner.
Winner - Growth Investor 2020 Awards
Stephen Jones wins the Financial Adviser of the Year Award 2020 for the second time. The only one to do in its history. The assessment process widely recognised as particularly rigorous with both peer benchmarking, client testimonials, and independent judges scrutinising the short-listed entries.
Ways to contact us
