Financial Advisers Halifax

Plan for a brighter tomorrow

Financial Advisers Halifax

Financial Advisers Halifax

Clarity Wealth Limited have been providing bespoke financial advice to the people of Yorkshire since the company launched in 2016, and we will continue to do so for many years to come.

We recognise that people prefer local financial advice from a company that is both fully independent and committed to supporting the local community. Clarity Wealth Limited can proudly state that we not only meet this criteria but our founder, Richard Platt, has been continuing to do so for over 13 years.

So, no matter what part of Halifax of surrounding areas you live in, Clarity Wealth Limited will be on hand to help you with your financial queries.

What do we do?

We have a passion for helping you and your family achieve financial freedom. We specialise predominantly in pension and investment advice in Halifax and the surrounding areas. Each of our IFAs / Financial Advisers / Financial Planners… , are fully qualified to advise on multiple aspects of investments, pensions, inheritance tax planning and life cover, and are available to work out what is financially best for you.

Clarity Wealth Limited have years of experience and a wealth of knowledge in providing local financial advice. Whether you are seeking a plan for your retirement, investing for growth or income, mitigating inheritance tax, assessing the importance of financial protection, need guidance to create a structured pension plan, or are looking for investment advice in Halifax, we can cover all these bases.

financial advisors Halifax

What makes us the right Financial Advisers for the people of Halifax?

We provide nothing less than a first-class client relationship that will stand the test of time. With Clarity Wealth Limited there is no hard sell, we don’t hide behind jargon, or try to bamboozle you with complex products. We aim to treat our clients the way we would like to be treated ourselves. The best way for us to help you is for us to get to know you, understand your needs, and work in a partnership, to provide an all-round service tailored specifically to you. We are always a phone call away or available for a meeting at our offices in Horsforth. Our long-standing clients are a huge testament to doing things the correct way.

Please call us on 0113 258 6000 to book a free appointment

financial planners Halifax

Are you growing your wealth?

When it comes to financially preparing for the future our team of financial advisers Halifax are the experts. We find that our 30-40 year old clients want the flexibility to be able to enjoy their finances whilst also preparing for life after work. They are seeking guidance to understand where their finances will take them.

They may be:

  • Striving to clear their mortgage and other debts
  • Planning to finance their children through school or university
  • Preparing to cover the lifestyle they want in retirement
  • Concerned over financial security for their family should something happen to them
  • Giving their children a leg up onto the property ladder
  • Taking on additional responsibilities for elderly relatives
  • Uneasy over the performance of their investments
  • Wanting to live their lives now

Are you thinking of retiring soon?

We help clients who are approaching their retirement years to meet their goals

Clients who are getting close to retirement are eager to know that all of their hard work over the years will eventually pay off. Generally, this is the time for them to achieve all the things they have wanted to do, but never had the time or money to do.

Equally, there can be a lot of worry leading up to retirement; how will they feel about no longer going to work? And are there sufficient funds to cover all of their retirement plans?

wealth management Halifax
pension advisers Halifax

Are you already retired?

For clients in retirement we provide you with a safe pair of hands.

Financial planning doesn’t end when retirement starts. For many clients in retirement, their biggest concern is whether they will have enough money to last throughout their retirement, whilst enjoying their chosen lifestyle.

They may be:

  • Worried about care costs in older age
  • Wanting to pass their wealth to their loved ones, without paying unnecessary tax
  • Unexpected costs and expenses

Our experienced and friendly financial advisers Halifax are here to help you achieve your goals for life in retirement. They will take time to get to know you; then help you to identify what we need to do with your finances in order for you to meet these targets.

Our aim is to provide you with peace of mind and the security that comes from knowing that you have the solutions in place to meet your goals.

Clarity Wealth Limited provides private clients with a variety of financial services. It is through our experience, flexibility and independence that we have been able to grow our business from personal recommendations from our private clients and the advocacy of Professional Partners.

Don’t just take our word for it, please see our client reviews

Right from the outset of any new client relationship, our team of financial advisers Halifax will spend time reviewing their full financial position and lifestyle requirements. This is designed to clarify client goals, in the short-term, medium-term and long-term and to explore their attitude to risk. We will also stress test your financial plans to ensure we have a contingency plan in place also. Usually, this will cover areas such as pension requirements, family protection, estate planning and savings and investments.

We utilise the most up to date financial planning software to manage funds, assets and market information to provide suitable clients with access to online personal portfolio and performance data.

Why you should consider using financial advisers in Halifax

Financial advice is not a service only needed by the very rich, it is beneficial for everyone. It can assist you in getting the most out of you investments and help you protect and build your assets in order to secure the long-term future of you and your family.

There are endless life insurance products on the market; with the help of our advisers we can tell you which ones are worth buying. They will determine your position and guide you through the best options to protect yourself and your family – whether you are single or married, have a young family, or are approaching retirement.

You are going to need to build up some assets in order to secure your long term future – at the beginning to get you through the rainy days and then to fund holidays and luxuries. Step one is to plan your spending so that you start to save, and step two is to plan that saving so that you can build your wealth as efficiently as possible.

Once your short term saving needs have been addressed, you can start focusing on the long term. Most people these days realise that they won’t be able to rely on the state for more than the absolute basics. Planning for retirement is a complex business, and there are numerous options available. A financial adviser will not only help sift through the many rules and product options but help create a portfolio to maximise your long term prospects.

As you advance through life and your assets and income begin to increase, you can start contemplating how to enhance your position rather than simply consolidate it. This may mean anything from looking to retire early to paying private school fees. Whatever your goal, a financial adviser can help assess what is realistically possible and work out a plan with you to help you achieve it.

Investment is as much about shielding against potential downsides as it is about aiming for maximum growth. High returns often come with high risk and not everyone is comfortable with the idea that their investment could fall by a third or more overnight! A financial adviser will generate an in depth assessment of your stance to risk before making recommendations. They will also ensure you arent putting all your eggs in one basket by ensuring you diversify not only across asset classes but also across accounts, individual funds and product providers.

For every new investment opportunity or product it is likely accompanied by a certain amount of hype but that doesn’t automatically mean it is right for you. Investors will always be caught out by market ‘bubbles’ or high charges because they rush impulsively in. A financial adviser knows how each product works in varying markets and can identify any possible downsides for you as well as the potential benefits, so that you are then able to make an informed decision about where you should invest.

Once we have established your risk and investment assessments, the next step is to look at tax; even the most basic examination of your position could help. It may simply mean using Individual Savings Accounts (ISAs) or a pension plan to benefit from government incentives or opting for growth focussed assets over income to maximise capital gains allowances versus paying income tax. For more complicated arrangements, it may mean moving assets to your spouse or children to take advantage of their personal allowances instead. financial advisers Halifax will always have your tax position at the forefront of their mind when making any recommendations and point you in the right direction even in complicated situations.

Even when your investments are all put in place and are running to plan, they need to be monitored in case market developments or abnormal events force them off course. You can ask your financial advisers to keep a cautious eye on your investments. They can assess how they are performing against their peers, ensure that your asset allocation does not become distorted as markets fluctuate and help you consolidate gains as the deadlines for your ultimate goals move closer.

Money is a complicated subject and there is a lot to take into consideration to keep it safe whilst also making the most of it. Markets are volatile and the media have always been prone to exaggerate the risks and rewards. To steer you in the right direction it is vital you employ a good financial adviser who can filter through the hype. Whether you just require general, practical advice or a specialist with dedicated expertise, you could find that in the long term the money you invest in expert advice will be paid back many times over.

Investment Planning

Clarity Wealth Limited are a team of independent financial advisers who will look at what your goals are, the length of your investment and how much risk you want to take. Our advice is bespoke to your personal circumstances, allowing us to recommend the best investments for you. Investments that will make your money work as hard as possible for you.

Retirement Planning & Pensions

Clarity Wealth Limited have vast experience and knowledge in retirement planning & pension advice. Whether you are looking to set up your first plan, or you have already reached your retirement and want to learn more about the wide range of options available to you in terms of drawing your pension.

Business & Protection

Do you own your own business? Have you ever thought what might happen if a key employee or if you became ill and were unable to work? What would happen if you or a key employee died? Clarity Wealth’s business protection expertise can make sure your company will continue to operate, should it face such challenges.

Services Clarity Wealth Limited Provide

a small glimpse in to what we can do for you

Cash Flow Modelling

Cash Flow Modelling

A cash flow model is only as good as the information available and it must be kept updated with any changes to your circumstances.

Business Protection

Business Protection

Possible solutions to help protect your business are critical illness cover, term assurance or perhaps a whole of life policy for or any of your business partners.



A SIPP or self-invested personal pension, is a particular type of pension that is very versatile, allowing us to select our own investments from a wide range on offer.

Pensions Review

Pensions Review

A pensions review is where we analyse in detail all of your pensions. This includes the existing investments, costs, risk rating, investment performance and anything else that is relevant to the specific policy or scheme. This is vital to allow us to help you work towards your financial dreams and goals.

Offshore Investments

Offshore Investments

Holding money offshore is common practice and perfectly legitimate, if you have a pension fund then it’s likely that you already hold some offshore investments in it.

Life Insurance

Life Insurance

Life insurance pays out a lump sum to who you specify, should you pass away during the term of the policy.

Plan today for a brighter tomorrow