Confidence in your financial life
Impartial & independent financial advice helping you to align your life with your financial future.
Get clarity, gain confidence and stay in control of your financial plan.
How much do I need to retire?
How should my wealth be invested?
How much can I draw from my pension?
How can I maximise how much I leave to the next generation?
How can I reduce my taxes?
We offer independent and impartial financial advice.
That means we work for you and only you.
PENSIONS & RETIREMENT
I approach the investment ‘puzzle’ with a methodical and highly analytic approach, but it’s the ability to make a real difference in people’s financial matters and enabling them to feel in true control of their financial futures that I find most satisfying.
I have been academically and professionally involved in finance and investments for over 25 years and founded Clara Wealth Management in the belief that there was a gap in the market to provide evidence based financial advice that was genuinely independent, free from conflicts of interest and fairly priced.
From Our Clients
I was recommended Patryk when I was looking for advice on my retirement savings. My situation was anything but simple with offshore savings, non-dom status, dual citizenship plus a multitude of occupational pension plans.
Patryk researched my requirements thoroughly and invested my money efficiently. He worked with my accountant to ensure they were both working towards the same goal. He also ensured that my estate was arranged to minimise the inheritance tax liability.
Patryk was very helpful throughout and was always there to address any questions I had. I look forward to working with him for many years to come.
I asked Patryk to research my existing pensions and to invest a large pot. Patryk made a real effort to understand my current position and hopes for the future. He not only looked at my existing pensions and investments but also my will, life insurance, inheritance position and other matters. He then ran some very informative ‘what if’ scenarios showing the possible outcomes that my pensions and investments could achieve.
I work in finance and am big fan of Patryk’s investment philosophy. We ended up rationalising my pensions, investing into a recommended portfolio and putting in place a retirement savings plan. Highly recommended.
Confidence in your financial plan
If you don’t have a financial plan or feel like the plan you have is not suitable, Clara Wealth Management can help.
We will ensure your your investments are at a risk level that is right for you and match your goals and timeframes.
WE WILL MATCH YOUR INVESTMENT PLAN TO YOUR LIFE PLAN.
We are independent and impartial. We work only for you and look at the whole market to recommend the best solution. It is at the core of our ethics.
With over 25 years of experience in finance and investments, you will benefit from the breadth of experience that this brings.
We also fully embrace modern tools and technology. We utilise state of the art software to analyse and illuminate each client’s unique situation.
We look at all aspects of your financial life. Your investments, pensions, tax position, debt, financial protection and any other complexities are analysed. We then utilise 'cashflow planning' to determine whether you have sufficient cashflow to meet your current and future financial needs.
ADVICE YOU CAN TRUST
As a member of the Personal Finance Society, Chartered Insurance Institute and Society of Mortgage Professionals, I must comply with their Codes of Ethics which require that members act in the client’s best interest. I also hold valid Statement of Professional Standing (SPS), as all financial advisors must.
You can find Clara Wealth Management on the Financial Conduct Authority’s (FCA) register here. In an age where financial scams pose a real threat, it is important to make sure you do not take financial advice from anyone who doesn’t appear on the FCA Register.
We provide fairly priced advice and for investment recommendations, our only compensation is directly from you.
A recent report by the International Longevity Centre demonstrated a significant wealth uplift from working with a financial adviser.
“Forecasts are difficult to make—particularly those about the future.”
Burton G. Malkiel,
A Random Walk Down Wall Street: The Time Tested Strategy for Succussful Investing
We are firm advocates of evidence-based investing.
Compelling academic evidence has repeatedly shown that promises of ‘beating the market’ via stock picking and market timing do not hold up. Instead, we focus on the things that we can control and create investment plans based up on the following principles:
- Investment returns are related to risk
- Passive investing (buying and holding the market) outperforms active investing (stock picking and market timing) over the medium to long term.
- Portfolios should be well diversified.
- Asset allocation should be based on risk tolerance and disciplined rebalancing.
- Investment products should be chosen to minimise costs and taxes.
We have written an extensive document on our investment philosophy and Evidence Based Investing. Or book your complimentary consultation and we’ll be happy to answer your questions.
Get your complimentary consultation
If you have a question or you’d like to book a time to speak, please contact us here