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Live today.
Plan for tomorrow.

Life’s not a rehearsal and time passes quickly.
We want you to reach a ripe old age, look back and have no regrets.

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Money in itself is pretty dull.
It's what you do with it that matters.

What have you always wanted to do? What will you regret not having done?
Everyone is different. We’ll listen to you (and we mean really listen).

Together we’ll discuss and clarify what you want to do with the rest of your life and create a clear, elegantly simple plan for you to do the things that are important to you.

Your hopes, worries and fears will be completely personal to you but here’s some examples of the kinds of things that might be on your mind.

How can I minimise inheritance tax?

How would long term care costs affect me?

How can I plan for long term care costs?

When can I afford to retire?

How much money is enough to retire?

How much can I afford to spend in the early 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?

Would my dependants be ok in the event of my death?

How should I pass my estate on to the next generation?

How can I minimise inheritance tax?

How would long term care costs affect me?

How can I plan for long term care costs?

When can I afford to retire?

How much money is enough to retire?

How much can I afford to spend in the early 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?

Would my dependants be ok in the event of my death?

How should I pass my estate on to the next generation?

Don't just listen to us.

See a few words from our clients.

Jack & Lindsey

I was introduced to Tim Walsham by a colleague in 2014 when I was investigating my options for early retirement. A major concern was whether my wife and I could maintain the lifestyle in retirement that we had enjoyed while I was working. Our financial affairs at that time were quite complicated, but with Tim’s expert help we developed a financial plan that allowed me to retire later that year.

Meeting Tim was definitely a life changing event for us. The biannual checkpoint meetings reinforce our confidence and give us an opportunity to adjust our plan based on changing world, market and personal circumstances. Many years later we can honestly say that thanks to a robust financial plan and Tim’s ongoing involvement we have been able to maintain our lifestyle without worrying that we might be depleting our resources too quickly. Life is good!

We particularly like that they are a small firm so we always see/talk with the same people and their fee structure is very transparent. Everyone in the Claritas team treats us as individuals and we really do feel like valued clients and not ‘just another customer’. Claritas takes care of our financial worries leaving us free to enjoy our retirement and we have no hesitation in recommending them.

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The one thing we can guarantee is that things will change (both personally and with the world in general). On an ongoing basis we’ll handhold you through the inevitable ups and downs of life. Having a caring, empathetic and trusted adviser by your side can really help.

Where capital needs to be invested we have the Claritas Investment Process, an impeccably researched, world class investment solution based on the latest evidence and a healthy dose of common sense.

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