Business Details
25 Years
experience
Your Trusted Financial Planning Partner in Surrey
Established in 2001, we have built a reputation for delivering tailored financial solutions grounded in decades of collective expertise. Our team of certified professionals specialises in retirement planning, tax efficiency strategies, and wealth management, working closely with clients to align financial resources with personal aspirations. As an FCA-authorised firm, we prioritise transparency, ethical practices, and long-term client relationships. Our approach combines advanced financial modelling with clear communication, ensuring clients understand complex concepts and make informed decisions. With over 30 years of industry experience, we serve individuals and businesses across the UK, offering impartial advice that adapts to evolving life circumstances.Our commitment extends beyond financial planning through our charity, Clear Minds, which supports trauma recovery services. We maintain rigorous professional standards, evidenced by our Chartered status and continuous investment in staff qualifications. Client satisfaction is central to our operations, reflected in our proactive complaints handling procedures and dedication to resolving concerns promptly. Our multi-generational client base benefits from bespoke strategies that address both immediate needs and long-term security. Through regular market analysis and investment committee oversight, we ensure our recommendations remain aligned with current economic conditions while maintaining a focus on sustainable growth.
Services
Retirement Planning
Tax Planning
Mortgage Advice
Wealth Management
Personal Protection
Estate Planning
Business Financial Planning
Healthcare Coverage
Details
- Year established: 2001
Highlights and features
- We offer 25+ years of experience in holistic financial planning
- Our team includes Chartered Financial Planners and Certified Professionals
- We use cash flow modelling for transparent financial visualisation
- Our FCA authorisation ensures regulatory compliance and client protection
- We provide tailored solutions for complex international tax situations
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
We help clients prepare for retirement by analysing pension options, long-term care provisions, and asset protection strategies. Our approach combines cash flow modelling with tax-efficient withdrawal planning to ensure financial security. With advisers holding advanced qualifications in this field, we create adaptable retirement plans that evolve with changing circumstances and regulatory environments.
Tax Planning
Our tax planning service optimises financial structures to minimise liabilities while maintaining compliance. We specialise in UK tax for international clients and complex estate arrangements. Using detailed financial analysis, we identify legitimate relief opportunities and implement strategies that enhance overall wealth preservation for individuals and businesses.
Wealth Management
We develop customised investment portfolios aligned with clients' risk tolerance and financial goals. Our investment committee oversees market analysis and asset allocation strategies. The service includes regular performance reviews and adjustments to maintain optimal growth trajectories while managing exposure to market volatility and economic changes.
Mortgage Advice
As independent advisers, we access the entire mortgage market to find suitable solutions for first-time buyers, remortgagers, and buy-to-let investors. Our service covers affordability assessments, product comparisons, and application support. We provide ongoing mortgage reviews to ensure continued suitability as clients' circumstances evolve.
Personal Protection
We assess clients' financial vulnerabilities and recommend protection strategies against life's uncertainties. This includes life insurance, critical illness cover, and income protection policies. Our approach ensures adequate coverage levels while maintaining cost-effectiveness, with regular policy reviews to reflect changing personal circumstances and family needs.
People
Barry Greening
Founder and Director
With 45 years in financial services, Barry established the business in 1982 and relocated to Banstead in 2017. He maintains long-term client relationships and continues active involvement in strategic direction while enjoying horseracing in his spare time.
Lisa Hughes
Financial Planner
A dual-certified financial planner in South Africa and the UK, Lisa specialises in holistic financial strategies. She holds advanced qualifications in investment management and international tax, combining technical expertise with life coaching to align finances with personal values.
Dean McCarthy
Senior Financial Planner
With 30 years' experience including leadership roles at Prudential and Bells Solicitors, Dean brings extensive expertise. He holds the Advanced Financial Planning Diploma and specialises in complex financial arrangements for high-net-worth clients.
Rob MacMahon
Financial Planner
A data-driven planner with 25 years' experience, Rob uses cash flow modelling to visualise financial plans. He combines economics expertise with investment qualifications to create evidence-based strategies that simplify complex financial concepts for clients.
Anna Griffiths
Technical Manager
Anna combines mathematical expertise with investment management experience. Holding an MBA and Advanced Diploma in Financial Planning, she achieved Chartered status in 2023. She oversees technical compliance and complex case analysis while managing investment strategy implementation.
Questions
What financial planning services do you offer?
We provide retirement planning, tax strategies, mortgage advice, wealth management, and business financial planning tailored to UK residents' specific needs.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (registration number 462810).
How do you personalise financial advice?
We use cash flow modelling and detailed consultations to create bespoke financial plans aligned with individual goals and risk profiles.
Do you work with international clients?
We specialise in UK tax for international clients and provide cross-border financial solutions with appropriate regulatory compliance.
What qualifications do your advisers hold?
Our team includes Certified Financial Planners, Chartered professionals, and Advanced Diploma holders in financial planning.
Reviews (4)
Linda Wing
Jan 19, 2021
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My husband and I have had an investment portfolio with clear Financial for a number of years. We have been impressed with the level of service, regular communication, jargon free on-going advice and in recent financially turbulent times, we still have a healthy portfolio. Professional well trained staff available to answer any number of questions. From initially two nervous investors we know we're in safe hands with Clear Financial Advice. Thoroughly recommended.
Laurie Joslin
Dec 09, 2020
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We have recently had an excellent experience with Jo Hillier one of the senior financial advisors. Jo worked diligently on our behalf over an extended period of time to help us obtain our Equity Release mortgage in very difficult times. We could not have been in better hands. We have known Jo for the last 4 years and every time she has stepped up to the plate and given us excellent personal, friendly and re assuring service. We would highly recommend Jo and we will certainly be using Jo's services again in the future. We can not say enough positive things about Jo.
Jo is a true asset to Clear
Jo is a true asset to Clear
Gloria Ann Burton
Sep 11, 2020
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Clear Financial Advice Ltd has handled all my financial affairs for 20 years. I have always found them extremely professional and approachable. I have complete trust in their ability to look after my investments which they have proven time and time again. I highly recommend this Company and consider myself very fortunate to be one of their Clients.
Stobby Rockwell
Aug 01, 2020
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I met with John from Clear Financial Advice to discuss my current financial position and future plans. We talked through the options regarding up-sizing from a flat to a house, life insurance with income protection and pension planning. This was the first time I've seen a financial planner so didn't know what to expect but John was very knowledgeable and easy to talk to.
