Journal

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…

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50 NOT OUT

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

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EXPENSIVE PROBLEMS

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

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WHAT’S IN A NAME?

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

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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.

by retirement.

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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.

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WITHDRAWING FROM INVESTMENTS – NAVIGATING THE MINEFIELD

When you’re accumulating assets during your working life there are a number of decisions that need to be made. How much to invest and how much to spend? What assets should you invest in (property, stock market, gold, bitcoin!)? If investing in the stock market, how much should go into ISAs and how much into pensions? How much risk should you take? What should you do when the inevitable stock market downturns arise?

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THE PSYCHOLOGY OF MONEY

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

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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!

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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…

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TIME FOR A CHANGE?

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

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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.…

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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…

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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…

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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…

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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…

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SOCIAL IMPACT INVESTING

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

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CASH IS (SOMETIMES) KING

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

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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…

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WHAT TO LOOK FOR IN A FINANCIAL ADVISER – SEPARATING 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…

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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”.…

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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…

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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…

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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…

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BEWARE OF RECKLESS CAUTION

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

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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…

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MIND THE GAP

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

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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…

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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…

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CONNECTING YOUR MONEY TO THE LIFE YOU WANT

I think that a reasonable place to start with these articles is to discuss what financial planning really is. The main issue that we are trying to resolve is that very few people have a connection between the way that their money is managed and the lives that they want to lead. The job of a financial planner is to make this connection and to ensure that you have the right amount of money available at the right time in order to do the things that are important to you.

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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…

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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

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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…

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Say hello

If you are interested in finding out how Claritas can help you achieve your financial and lifestyle goals, please pick up the phone and give us a call on 0161 636 9200 or email

Tim Walsham

Tim Walsham
Director


tim@claritaswm.co.uk

Krish Rathod

Krish Rathod
Wealth Planner


krishnan@claritaswm.co.uk

Alison Brimage

Alison Brimage
Wealth Planning Manager


alison@claritaswm.co.uk

Anna Walsham

Anna Walsham
Director


anna@claritaswm.co.uk

Debbie Robbins

Debbie Robbins
Wealth Planning Assistant


debbie@claritaswm.co.uk

Alex Dickinson

Alex Dickinson
Wealth Planning Assistant


alex@claritaswm.co.uk

Visit us

182a Heaton Moor Road, Heaton Moor, Stockport, Cheshire, SK4 4DU

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