Business Details
14 Years
experience
Your Trusted Chartered Financial Advisers in High Wycombe
Clearwater Wealth Management is dedicated to helping families achieve financial peace of mind through personalized wealth management strategies. With a focus on clarity and long-term planning, we balance lifestyle aspirations with future preparedness using advanced financial modeling tools. Our team prioritizes client understanding of their financial position while addressing major life events such as retirement or disability. We maintain disciplined processes to strengthen financial futures and deliver bespoke solutions tailored to individual needs. 
Services
Wealth Management
Financial Planning
Investment Management
Retirement Planning
Risk Assessment
Details
- Year established: 2012
Highlights and features
- We hold Chartered status demonstrating commitment to highest industry standards
- Over 30 years' collective experience managing wealth for high-net-worth families
- Client-centric approach with personalized financial strategies
- Advanced financial modeling tools for comprehensive wealth planning
- Proven track record of successful long-term investment outcomes
Associations and certifications
- Chartered Insurance Institute
What people say
Excellent service
Knowledgeable team
Personalised approach
Proven track record
Clear communication
Services
Wealth Management
Our comprehensive wealth management service creates customized strategies to preserve and grow family assets. Using advanced financial modeling tools, we develop tailored plans that balance current lifestyle goals with future security needs. The service covers investment management, tax optimization, and multi-generational wealth transfer planning.
Financial Planning
Personalized financial planning helps clients navigate complex financial decisions with confidence. We analyze cash flow, risk management, retirement goals, and estate planning to create holistic strategies. Our approach emphasizes clear communication and regular portfolio reviews to adapt to changing circumstances.
Investment Management
Active investment management service offers diversified portfolio solutions aligned with individual risk profiles. We combine global market insights with ongoing performance monitoring to optimize returns while maintaining appropriate risk levels. The service includes regular portfolio rebalancing and tax-efficient investment strategies.
Retirement Planning
Specialist retirement planning service ensures financial security during life's post-work phase. We analyze pension provisions, create sustainable withdrawal strategies, and optimize tax treatment of retirement funds. The service includes scenario modeling for different retirement lifestyles and longevity considerations.
Risk Assessment
Comprehensive risk assessment identifies potential threats to financial stability and implements mitigation strategies. We evaluate insurance needs, investment risks, and contingency planning for unexpected life events. The service provides clients with confidence in their financial resilience.
People
Graham Ponting
Managing Partner
Chartered financial planner with over 30 years' experience, specialising in wealth management for high-net-worth families. Recognised for clear communication of complex financial concepts and client-focused approach that prioritises long-term relationships.
Adam Gannon
Administrator
Supports clients with administrative needs since joining in 2017, bringing 13 years' experience from previous customer service roles. Ensures smooth operational processes and timely execution of client requests.
Kim Lewis
Personal Assistant
Manages client communications and scheduling as Graham's PA, providing consistent contact since joining in 2019. Ensures efficient coordination of client meetings and administrative support.
Questions
What financial planning services do you offer?
We provide comprehensive wealth management, investment planning, pension reviews, risk assessment and multi-generational legacy planning tailored to individual client needs.
How do you charge for your services?
Our fee structure is transparent and competitive, with costs based on the complexity of required services rather than asset size.
What makes you different from other financial advisers?
Chartered status, 30+ years' experience, and our commitment to clear communication set us apart, alongside our long-term client relationships.
Do you work with clients outside High Wycombe?
We primarily serve Buckinghamshire and surrounding areas while maintaining long-distance relationships with established clients in other regions.
How often will we meet to review my investments?
We recommend annual face-to-face meetings with regular email updates, though frequency can be adjusted to individual client preferences.
What qualifications do your advisers hold?
Our team maintains Chartered status through the Insurance Institute, demonstrating commitment to highest professional standards and continuing education.
