clarityON

The UK tax system is more complicated than most people realise, and with income tax thresholds frozen until at least 2028, more people than ever are being quietly pulled into tax traps they didn't see coming. In this episode of clarityON, Senior IMS Administrator Kika Ferreira sits down with Senior Adviser Vicki Watson to break down the hidden costs of UK tax traps, who they affect, and what...

A new tax year means a fresh set of allowances, and the earlier you put them to work, the harder they work for you. In this episode of clarityON, Angus Jones (CEO & Chartered Adviser) and Jess Lelew (Paraplanner) walk through the key planning opportunities for 2026/27, from ISAs and Pensions to Capital Gains Tax, Inheritance Tax, and beyond. What we cover: Why acting at the start of the tax ye...

From April 2027, pensions will be brought into the Inheritance Tax (IHT) net for the first time, arguably the biggest change to pension planning in over a decade. In this episode of clarityON, Executive PA Carrie Hughes sits down with Senior Adviser Naomi Kewell to break down what's changing, why it matters, and what you should be thinking about now. What we cover: What's changing: Unuse...

We all like to think we're rational when it comes to money, but the truth is, our brains can be our own worst enemy when making investment decisions. In this episode of clarityON, Investment Director Glyn Bolton and Investment Manager David Eve explore the fascinating world of behavioural finance and reveal how psychological biases cost investors dearly - sometimes to the tune of hundreds of...

The Budget 2025: What It Means for Your Financial Plan After months of speculation, the Chancellor has finally delivered the 2025 Budget and while some feared sweeping changes, the reality is more nuanced. In this episode of clarityON , Chartered Financial Planner Daniel Smith is joined by Claire Brooks , Associate Technical Director at clarity, to break down what stayed the same, what’s changing,...

In this episode of the clarityON podcast , host and clarity Adviser Naomi Kewell is joined by guest expert Alexandra Miles to unpack the gender investment gap . Why it exists, how women's life paths shape their financial journeys, and what can be done to change it. The discussion covers structural and societal factors contributing to this gap, such as career breaks, part-time work, and caregi...

Capital Gains Tax (CGT) may not be the most exciting topic but ignoring it could cost you. In this episode of clarityON , Carrie Hughes is joined by Senior Financial Adviser Dan Smith to demystify the CGT rules, highlight the changes you need to know for 2025/26, and share practical planning tips that could help you reduce your tax bill. What we cover: What CGT is, who it affects, and why it matte...

In this episode of clarityON , Chris Finch (Investment Analyst at clarity) is joined by Glyn Bolton (Investment Director at clarity) to explore how President Trump’s dramatic return to the White House has impacted global markets and economies in just six months. From sweeping executive orders and aggressive tariff policies to shifting market dynamics, gold rallies, and a weakening US dollar, Chris...

In this episode of clarityON, Senior Investment Management Services (IMS) Administrator Francisca (Kika) Ferreira  and Chartered Financial Adviser Tuhin Miah consider a crucial question for investors: Why should you consolidate your investments? With portfolios increasingly scattered across multiple platforms, investment consolidation isn’t just about tidiness—it’s a powerful strategy for gaining...

In this episode of clarityON, Chartered Financial Adviser Vicki Watson and Senior Paraplanner Andrew Kemp unpack everything you need to know about Individual Savings Accounts (ISAs) — one of the UK’s most tax-efficient tools for saving and investing. From the basics of Cash ISAs and Stocks & Shares ISAs to the ins and outs of Lifetime ISAs , Junior ISAs , and Flexible ISAs , Vicki and Andrew e...

In this episode of clarityON, CEO Angus Jones is joined by Daniel Smith , Chartered Adviser, to help you make sense of the new tax year. Together, they explore what has changed, what is on the horizon, and how to plan ahead with confidence. Topics include: Key tax year changes to be aware of The latest on pension legislation updates coming in 2027 — and how to start preparing now A look at the ong...

In this episode of clarityON , we’re taking a deep dive into clarityONLINE , our secure, all-in-one digital portal designed to give you a complete view of your financial world . Host Leila Photiou, Digital Marketing Manager , is joined by Gordon Jones, clarity’s Chief Technology Officer , to explore how clarityONLINE empowers clients to track investments, manage assets, collaborate with advisers,...

With the tax year-end fast approaching, now is the time to make the most of your allowances and tax-efficient strategies. In this episode of the clarityON Podcast , Francisca ( Kika) Ferreira is joined by Naomi Kewell , a Chartered Financial Adviser at clarity, to break down everything you need to know before the Tax Year End, April 5th deadline . Key topics covered: Maximising pension contributio...

In this episode of the clarityON Podcast, Adviser Tuhin Miah and Investment Manager David Eve delve into the world of Venture Capital Trusts (VCTs) —a unique investment opportunity designed to support small, high-growth UK businesses while offering attractive tax benefits. They discuss: How VCTs work and their key features. The 30% income tax relief and other tax advantages. The risks and rewards...

In this special holiday episode of the clarityON Podcast , host Carrie Hughes is joined by Vicki Watson , Chartered Financial Planner at Clarity, to explore how you can make your charitable donations go further. Whether you’re interested in maximising your Gift Aid benefits, learning about tax-efficient ways to donate shares or property, or leaving a lasting legacy through your estate, this episod...

Join Investment Director Glyn Bolton and Associate Technical Director Claire Brooks as they unpack the Chancellor's pivotal Autumn Budget. This episode delves into the essential updates on Capital Gains Tax, Inheritance Tax Planning, Pensions, ISAs, Stamp Duty (for main residences and second homes), Employers' National Insurance , and key reliefs like Agricultural and Business Property R...

In this episode of clarityON, Join our Investment Director, Glyn Bolton and Paraplanner, Sahiba Kohli explore the cornerstone of a sound financial plan - protection. We'll guide you through the main types of protection available, the critical questions to ask yourself, and the key decisions to make when choosing the right coverage for you and your family. Whether you're just starting out...

Are you a parent or guardian looking to secure a bright financial future for your child? Tune in to our latest episode of clarityON, where we dive deep into "Investing For Children". Join Sahiba, Paraplanner at clarity and clarity's Investment Director, Glyn Bolton as they break down essential strategies to help you start investing wisely for your children. From understanding why in...

In this episode, Executive PA Carrie Huges sits down with Financial Adviser Glyn Bolton to explore the essentials of retiring well. They discuss critical topics such as effective budgeting, the key financial information needed to craft your own retirement plan, potential future uncertainties that might impact your retirement, and additional considerations to ensure a secure retirement. For a compr...

Join Investment Director Glyn Bolton and Paraplanner Sahiba as they explore residential property investment in the modern market and how it differs from commercial property. Click the link below to our research note if you want to learn more! https://website-public-assets.clarityglobal.com/saleswebsite/research/residential_property_investment.pdf All content reflects our opinion at a given time an...

Listen in as Investment Director Glyn Bolton and clarityON newcomer, IFA Administrator Joe Howe discuss equity investment in today's world. Click the link below to our research note if you want to learn more! https://www.clarityglobal.com/sites/default/files/research/notes/equity_investment.pdf All content reflects our opinion at a given time and can change as time progresses. All information...

Join Investment Director Glyn Bolton and Investment Manager David Eve as they discuss fixed interest and the current climate for fixed interest investments. Click the link below to our research note if you want to learn more! https://www.clarityglobal.com/sites/default/files/research/notes/fixedinterest_and_indexlinked_investment.pdf All content reflects our opinion at a given time and can change...

Join Investment Director Glyn Bolton and our Chartered Adviser Tuhin Miah in discussing risk when it comes to wealth management and investing, including the various pitfalls one may succumb to when it comes to portfolio diversity. Click the link below to our research note if you want to learn more! https://www.clarityglobal.com/sites/default/files/research/notes/asset_allocation_risk_return.pdf Al...

Join clarity CEO Angus Jones and Operations Manager Louise Challis as they discuss the need for an IFA, covering key information about the industry and when may be best to look for financial advice. All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financi...

Learn about defined benefit pensions as Paraplanner Jessica Lelew and our resident DB expert Senior Paraplanner Andrew Kemp provide an in-depth overview of the topic, including how it differs from DC pensions. All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or le...