security & freedom

SIX SIMPLE STEPS

Life is not a rehearsal.
We can help you to achieve your financial goals, to reach a ripe old age, look back and have no regrets.

Claritas believe that getting financially organised can change your life for the better.

Time passes quickly and we want you to have no regrets.

Our view is that money is an enabler, not the goal itself.

We will match the way your wealth is managed to the life you want to live, which means making sure you have the right amount of money available at the right time.

Together we will discuss and clarify what you want to do with the rest of your life and work with you to create a clear, elegantly simple financial plan to achieve these goals.

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today & tomorrow

We will encourage you to dream a little. Your goals, hopes, worries and concerns will be completely personal to you but here are some examples of the kind of questions you could be asking yourself about where you are today and where you want to be tomorrow.

  • When can I afford to retire? How much money is enough?
  • For those of you that don’t believe in retirement - when will I have achieved financial independence from work and therefore be working because I want to rather than because I have to?
  • How much can I afford to spend in the early and hopefully healthy years of retirement? How do I strike the balance between living for today and looking after tomorrow?
  • How much can I afford to gift to my children or grandchildren without affecting my own lifestyle?
  • I have a collection of pension plans, investments, savings and other assets but no clear plan as to how they will be used to achieve my goals. What should I do?
  • Would my dependants be well provided for in the event of my death and how can I minimise inheritance tax and pass on my estate in an appropriate manner?
  • How would long term care costs affect me and how can I plan for this?

We can take away all of these worries and concerns. Why don’t you come in for a coffee and a chat?

6 simple steps

1

DISCOVER

DISCOVER

Our job is to listen and find out as much about you as possible. We will take the time to get to know you and understand everything that is important to you in order to agree your overall financial planning and lifestyle goals.

2

ANALYSE

ANALYSE

We will obtain full details of all of your existing pensions, investments and other assets so that we can see how they may be used as part of your WealthPlan. You may already have everything that you need but didn’t realise.

3

PLAN

PLAN

Your Claritas WealthPlan will provide you with a clear picture of your current and potential future financial position.
Are you on track to meet your goals? If not, what has to happen to get you on track? We will communicate clearly and without jargon in order to make complex issues simple.

4

PLAN

IMPLEMENT

We will usually make a number of recommendations across various areas of your financial planning. Some will be urgent and some not so urgent and we will agree a timetable for their implementation.

5

ANALYSE

MONITOR

Once our recommendations have been implemented, we will monitor your financial affairs on an ongoing basis. We will ensure that our recommendations remain appropriate and that we react to any changes in legislation that are relevant to you.

6

IMPLEMENT

REPEAT

Managing your wealth is not a one off exercise. We will hold regular Forward Planning meetings with you in order to ensure that everything is still on track. We will handhold you through difficult times, providing reassurance and peace of mind that you have a trusted adviser for all financial matters.

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risk & reward

The solutions we present may or may not involve a financial product. Where capital needs to be invested, we have the Claritas Investment Process, an impeccably researched, world-class investment solution. Our investment process is based on the latest evidence and a healthy dose of common sense.

We will make sure that you take no more risk with your money than you can tolerate. We will also show you how much (or how little) risk you need to take to achieve your goals. After all, why would you take more risk than is necessary?

That sounds like common sense to us.

Say hello

If you are interested in finding out how Claritas can help you achieve your financial and lifestyle goals, please pick up the phone and give us a call on 0161 636 9200 or email

Anna Walsham

Anna Walsham
Operations Manager
–
anna@claritaswm.co.uk

Tim Walsham

Tim Walsham
Director
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tim@claritaswm.co.uk

Alison Brimage

Alison Brimage
Wealth Planning Assistant
–
alison@claritaswm.co.uk

Visit us

182a Heaton Moor Road, Heaton Moor, Stockport, Cheshire, SK4 4DU