Menu Icon

Blog

SEP

2023

Cash Deposits Versus Investments

For well over a decade, we’ve experienced incredibly low rates of interest. But savers are now receiving much higher rates of interest...

Read More

MAR

2023

Dealing With Uncertainty

It’s really easy for a financial planner to sell certainty to a client. Promises can be made about future investment…

Read More

JAN

2023

We've Moved (But Not Very Far!)

The six years since we started Claritas have gone very quickly. I was previously a part- owner of a financial…

Read More

NOV

2022

Inflation And Investing

We focus mainly on financial planning in these articles and the financial plan should always come before the investments. But…

Read More

AUG

2022

Let's Have A Chat

I’d like to talk about a common misconception that we come up against when speaking with potential new clients. When…

Read More

JUN

2022

50 Not Out

Tim Walsham of Claritas Wealth Management talks about financial planning and turning 50. In the next few months I’ll be…

Read More

JAN

2022

Expensive Problems

We add the most value when we fix expensive problems that can have a major impact on financial outcomes for…

Read More

OCT

2021

What's In A Name?

Tim Walsham discusses his concerns about the term ‘wealth management’

Read More

AUG

2021

Don't Mention The "R" Word

When I first started giving financial planning advice back in the late 90s, a typical client conversation would be centred around a desire to retire around the age of 55, with no real discussion about what happens next.

Read More

JUN

2021

Time Passes Quickly

My son has just left Priestnall, and yet it only seems like two minutes since he started. I honestly don’t know where the time has gone. We have photos of him on his first and last days but the bit in the middle is just a blur.

Read More

APR

2021

Withdrawing From Investments

When you’re accumulating assets during your working life there are a number of decisions that need to be made...

Read More

FEB

2021

The Psychology Of Money

As coronavirus took hold earlier this year, we experienced a swift and brutal downturn in global stock markets in excess…

Read More

DEC

2020

10 Beliefs

The financial plan always comes before the investments. Any product-related advice will flow out of your financial plan. Through talking to you, we agree what you need the money for and when you need it – then we structure your assets accordingly. If a financial adviser leads with a product, run for the hills!

Read More

OCT

2020

Too Much Or Too Little Risk How Do You Know?

Many of you may be currently sitting on losses within your investments and pensions. As it happens, at the time…

Read More

AUG

2020

Time For A Change

As the pace of life slowed during lockdown, many of us had a bit more time to think. It was…

Read More

JUN

2020

Money Worries? (On Top Of Everything Else!)

On a variety of different levels, we’ve probably all thought about our relationship with money over the past few weeks…

Read More

MAY

2020

The Story Of The Mexican Fisherman

The story of the Mexican fisherman struck a chord when I was in the process of setting up Claritas Wealth…

Read More

APR

2020

The Rise Of The Robots?

Over the last few years the market for financial advice has changed, with the appearance of various companies offering automated…

Read More

FEB

2020

Are Your Investments Scattered Around?

When we meet a potential client for the first time here at Claritas, we often discover that they’ve accumulated an…

Read More

DEC

2019

The Myth Of Active Investment Management

When investing in the stock market, there are two types of investment fund manager that we can select. Firstly, we…

Read More

OCT

2019

Social Impact Investing

When we’re constructing the Claritas investment portfolios, our primary objective is to make sure that we provide our clients with…

Read More

AUG

2019

Cash Is (Sometimes) King

Interest rates within cash deposit funds are still really low, with no immediate prospect of any significant change. Investors could…

Read More

JUN

2019

Taking Action - A Gentle Nudge In The Right Direction

We all have certain jobs and tasks that we just never seem to get around to. Life can be hectic…

Read More

APR

2019

What To Look For In A Financial Adviser - Seperating The Wheat From The Chaff

Let’s say you’ve decided that you need some financial advice. How on earth do you decide which of the many…

Read More

FEB

2019

This Time It's Different

Each time there is a major stock market decline, the financial press say the same thing: “This time it’s different”…

Read More

DEC

2018

The Bank Of Mum And Dad

A common issue amongst our clients is how much financial assistance to give to their children and grandchildren. The obvious…

Read More

OCT

2018

Investing Simple But Not Easy

There is a common misconception that, in order to be a successful investor, we need to somehow outsmart the market…

Read More

AUG

2018

Keep Your Plans 'On Course'

When a pilot sets course for a long flight, he or she knows that, due to changes in wind speed…

Read More

JUN

2018

Beware Of Reckless Caution

Over the last 20 years or so I have met with hundreds of potential new clients and a reasonable proportion…

Read More

FEB

2018

Take A Test Drive

I’m conscious that most of you won’t have had any experience of dealing with a financial planner. Your only…

Read More

OCT

2017

Mind The Gap

Unfortunately, as human beings we are not hardwired to be good investors. Especially during times of market turmoil, we naturally…

Read More

AUG

2017

For Preparation And Planning

Most of our new client enquiries tend to be from people in their early to mid-50s. Up until then they’ve…

Read More

JUN

2017

Successful Investing No Crystal Ball Required

Our view is that investments are simply tools to make a financial plan work, but it is still important to…

Read More

APR

2017

Connecting Your Money To The Life You Want Real Financial Planning

I think that a reasonable place to start with these articles is to discuss what financial planning really is. The…

Read More

FEB

2017

Claritas: Providing Clear Thinking For Your Financial Future

It is often said that no one ever leaves The Heatons, and husband and wife team Tim and Anna of local financial planning advice firm Claritas Wealth Management, are no exception

Read More

JAN

2017

Patience Is A Virtue

Patience is a virtue, so is being a tortoise. Aesop’s fable about the tortoise beating the hare provides a good…

Read More

1