Advance Wealth Ltd

Independent Financial Adviser  The Mise Centre, Essex, Chelmsford, CM1 7EQ
First meeting at adviser's own cost
Providing professional financial planning services for private individuals and businesses.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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Buy my next home
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Buy to let
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Buying first home
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Next home / Remortgaging
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Socially responsible investments
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Lump sum
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Regular savings
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Capital gains tax
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Estate planning
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Income tax
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Group Pension/Stakeholder
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Group Protection/Life Insurance
Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020
Meet our advisers
Christopher Clark Dip PFS
Managing Director and Senior Wealth Planner

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

Antony Wright Dip PFS
Richard Brett DipPFS CertPFS (Securities)
Senior Wealth Planner
Rongu Miah BA(Hons) DipFA CeFA CeMAP
Stephen May
Wealth planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

What our clients say
Excellent clear and down to earth explanation of options available to us. Did not 'sell' products or make us feel under pressure in any way - his team demonstrated the same user friendly style and approach - not always experienced in financial services. Excellent customer service by his team - efficient and effective. Very happy with investment returns.
S.H., Suffolk
I'd been locked into personal and occupational schemes for years, finding I had neither the time nor inclination to make sure they were performing well for my future. Chris carried out a thorough review of all my pension and investment savings, highlighting where they were good and bad and came up with a plan to improve performance while making sure the new proposals reflected my requirements. Growth has been positive and it is easy to review without looking through so many different types of savings reports. What could they have done better? I think the language used in the financial industry can be confusing to a lay person (gilts, money purchase, etc). Having a plain English explanation for the terminology would help. When approaching retirement it would also be useful to have count down projections, for example if you retired in a year from now you current savings and pension funds would give you an income of £Xpa for the next 10, 15, 20 years. Obviously this would need adjusting as markets rose and fell.
R Connolly, Loughton
What were the circumstances that caused you to look for a Financial adviser? When i gave up work 7 years ago. How did Chris Clark help you? sorted my various pensions into one and re-invested my savings with much better results. Have you seen the outcome you were hoping for? Definitely. What could they have done better? Very little. The service has been excellent resulting in me recommending Chris Clark to friends and family
S Finch, Chelmsford
What were the circumstances that caused you to look for a Financial adviser? Investments. How did Chris Clark help you? Found good products & good advice. What is your current situation? Have you seen the outcome you were hoping for? Ongoing. What could they have done better? Nearer offices
A Cheale, Swanscombe
The key factor for me was to find an advisor that could understand both my short- and long-term financial objectives and could help me achieve them. How did Chris Clark help you? Arranging suitable products to meet the objectives referred to above. Have you seen the outcome you were hoping for? Yes - and this is on-going as I am yet to enter pension draw-down but will do in the next year or so. What could they have done better? Could agree an annual review date; send up to date list of products held; invite discussion on changes or uplift in cover.
S Medwin, Kent
What were the circumstances that caused you to look for a financial adviser? Investigating the possibilities around transferring pension funds to maximise returns. Chris has been really helpful in explaining what is and is not possible, along with giving us a much better understanding of the pensions landscape. Have you seen the outcome you were hoping for? It's early stages, but our experiences thus far have been very positive What could they have done better? Nothing comes to mind at the moment
M Fuller, Chelmsford
My partner and I were looking to consolidate legacy policies under the guidance of a professional advisor. Chris has looked after us ever since as we are extremely happy with his advice and the subsequent performance of the portfolio Chris was instrumental in consolidating numerous underperforming plans, and ensuring our future needs were planned for. He never comes in with a “hard sell”, quite the opposite in fact, he only ever makes recommendations based on fact and our own aspirations. Have you seen the outcome you were hoping for? - Very much so! Performance has been above our expectations. It’s hard to see what Chris could have done better. He was extremely thorough in his reviews, keeps In contact regularly and is proactive in terms of advice and guidance.
P Bowles, Rochester
What were the circumstances that caused you to look for a financial adviser? A period review to ensure present policies were meeting expectations How did Chris Clark help you? Reviewed existing policies and advised where changes were needed Have you seen the outcome you were hoping for? - yes
D Street, Hockley
What were the circumstances that caused you to look for a financial adviser? I had multiple Pensions which needed looking at. How did Chris Clark help you? Chris and his team successfully re-arranged my existing pensions. Have you seen the outcome you were hoping for? Yes very much so.
M Watkins, Harlow
What were the circumstances that caused you to look for a financial adviser? Made redundant from long term job wanted to seek best way to manage redundancy payout and maximise pension investment/return How did Chris Clark help you? Chris helped me understand the maximum I could invest in my pension from redundancy without incurring any tapering. Also providing clear advice on best way to invest pension. Have you seen the outcome you were hoping for? So far I have been pleased with results What could they have done better? Nothing I appreciate his flexibility in meeting face 2 face.
S Hider, Brighton
Chris was recommended by my Accountant 6 years ago as I was looking to update my pension. Growth of pension fund is good and hoping for more after a review and update. Hoping not to have to use the life insurance ;) He looked into my pension and life insurance and helped me clearly understand and advise of what needed to be done to make it work better in my current situation. What could they have done better? Nothing. Always totally professional as all of his staff I have corresponded or met with.
D Palmer, Romford
What were the circumstances that caused you to look for a financial adviser? Pensions, financial and life insurance Have been with Chris Clark since 2013 and have been pleased with the outcome to date. Chris provided clear advise both verbally and visually, explaining product and our options.
A Palmer, Romford
What were the circumstances that caused you to look for an adviser? We were reviewing our current levels of protection How did Chris Clark help you? We reviewed all our policies to make sure they were fit for purpose and to see if the level of cover was the best value for us. Have you seen the outcome you were hoping for? Yes RATING - 5/5
J Smalley, Essex
What were the circumstances that caused you to look for a Financial adviser? I've been with Chris for many years I was recommended to him. How did Chris Clark help you? Chris has been a life line in so many ways a great guy. Have you seen the outcome you were hoping for? Yes over and above helped in in so many ways. What could they have done better? Chris does not need improvement he's great. RATING - 5/5
T Rolton, Essex
What were the circumstances that caused you to look for a Financial adviser? Ensuring we had a managed fund in a volatile market. Personally recommended by a mutual friend. Chris Clark guided us in investment options against our risk profile. Continued to keep us up to date and explain things in less financial tech speak! Have you seen the outcome you were hoping for? Yes we have gained improved financial performance. What could they have done better? Occasionally information is sent without clear explanation regarding the changes. The team are very responsive when questioned and give very rapid feedback. RATING - 5/5
A Reid, Peterborough
What were the circumstances that caused you to look for an adviser? We were reviewing our current levels of protection How did Chris Clark help you? We reviewed all our policies to make sure they were fit for purpose and to see if the level of cover was the best value for us. Have you seen the outcome you were hoping for? Yes RATING - 5/5
J Smalley, Essex
What were the circumstances that caused you to look for a Financial adviser? My previous pension was frozen and I needed to stop the nuisance phone calls. Chris Clark moved it between pension providers so that it worked for me. I've been pleasantly surprised by the growth. What could they have done better? Great service with quarterly reviews, not entirely sure the service could be improved. RATING - 5/5
S Poulton, Essex
What were the circumstances that caused you to look for a Financial adviser? It is a work pension and Chris has advised us over the years. He shares his wealth of knowledge, opening your eyes to what is available. Have you seen the outcome you were hoping for? Not yet, but I'm sure we will. What could they have done better? Nothing RATING - 5/5
E Ellam, Bury St Edmunds
What were the circumstances that caused you to look for a Financial adviser? Investment & pension advice. How did Chris Clark help you? Understood our needs & found a good solution. Have you seen the outcome you were hoping for? Investments to be undertaken soon. What could they have done better? Too early to comment
S Collins, Sanderstead
What were the circumstances that caused you to look for a Financial adviser? To setup a pensions fund. How did Chris Clark help you? Chris is professional, friendly and offered expert advice. Have you seen the outcome you were hoping for? Yes.
C Churcher, Rayleigh
What were the circumstances that caused you to look for a Financial adviser? Pension review and life insurance. Chris was fantastic throughout the whole process which can be a very daunting prospect and confusing. Everything was explained in a thorough and easy to understand manner. Excellent service and great return on investment!!!. What could they have done better? Nothing, perfect !!
C Overall, Braintree
I needed help to spread my assets across a range of fund types and across the world. I had an AVC which could be moved and I needed help with where to put this for best returns. I needed to take some income from some of my investments and needed advice on which was the most tax efficient way of doing this. Chris Clark recommended investments that would fulfil my requirements and reduce the amount of paperwork that I received. My financial returns have been very good. I always received paperwork from him with enough time for me to read and understand it before meetings. It is written in plain English.
Sue, Essex
We wanted to change advisers / companies due to poor advice. Chris was recommended to us. After initial discussions with Chris based on what we required, what risk level we agreed with and his advice on what we should have in place, we put our trust in Chris and he talked us through our plan in a way that we would understand. We have seen a vast improvement in financial return and the quality of advice is much better. What could they have done better? I would like to say nothing, but i would say a letter / email every quarter suggesting that our investments, pensions and insurance were doing ok and we still had the correct suppliers. This would simply to put our minds at ease and nothing needs reviewing or changing.
V Caiger, Bishops Stortford
What were the circumstances that caused you to look for a Financial adviser? Pension advice. Chris was very helpful and professional. What could they have done better? Nothing
L Fennessy, Essex
My finances were scattered amongst several different accounts and I decided I needed to amalgamate everything into one place. Chris advised me as to what would be the best way to get the most of my money so that I could get an income from it when I needed. I have started with a relatively small income which I can increase as and when I need to. What could they have done better? Chris has used a third party with my pension funds which is taking a long time, sometimes it would be nice if someone at Chris's office did a follow up on this rather than me having to phone and chase.
J Cross, Essex
I was already a client of Chris Clark but needed help with sorting out our savings and reviewing my Pension and getting Life Insurance. Chris researched the best financial options for us and helped us to get them in place. We now have Life Insurance my Pension is with a new provider and our savings are in a more organised position. What could they have done better? As far as I am concerned Chris did all that I asked of him.
T Allen, Ipswich
Chris Clark is my financial advisor at Advance Wealth and I find him to be excellent. What was apparent from my first meeting with him was his integrity. Additionally, unlike other advisors I’ve used in the past, Chris presents the complex information in an easy to understand way and keeps me informed of my progress regularly
A Sleet, Chelmsford
Chris is my financial advisor and is a rare find in the Financial Services Market; his values shine through in his business. He has huge integrity, loyalty, empathy and genuinely cares about his clients
S Medwin, Tonbridge
What were the circumstances that caused you to look for a financial adviser? I needed good advice How did Chris Clark help you? To improve on my old pension scheme and set up an investment scheme Have you seen the outcome you were hoping for? Yes What could they have done better? I was basically satisfied. It’s now up to my schemes to perform
D Newman, Billericay
Advance Wealth’s services are valuable in that they provide people like me (who are not financial gurus but who have some understanding of their own financial situation) good advice and insight on the “big picture”. They have guided me unfailingly and to my complete satisfaction, from working life through to retirement, and more recently through the recent financial downturn, always respecting my stated attitude to risk. I have found their knowledge on investments and other financial matters to be very customer focused. Their honesty and integrity is what you expect from financial advisors who are very customer orientated, and I unhesitatingly recommend their services
M Francis, Hove
What were the circumstances that caused you to look for a Financial adviser? Firstly we had some money we wanted to invest but since then have received a sizeable inheritance too. Also we need to amalgamate our pensions into one fund. We also had two children who needed investments looking at. Chris went through all the options & indeed took all our paperwork to save us looking through it all as it was a right mess! He managed to find a pension that we didn't know we had as well as other investments. He tidied them all up & now we have very easy to follow investments & pensions, he even explained the company pensions we have which weren't very clear. Our investments have performed very well over the past few years, as for the inheritance it is too early to say but we are confident these will also prove to perform just as well as the others What could they have done better? Honestly nothing comes to mind! RATING - 5/5
P Peek, Suffolk
What were the circumstances that caused you to look for a financial adviser? I was not looking but received a letter in the post from Chris. Most of this sort of mail goes straight into the bin, but something in the way the letter was worded got me to contact Chris. My pension investment had just been "sitting there" for some years and I felt a review worth following up. How did Chris Clark help you? Just over 5 years ago he reviewed our total financial picture, even though we only were considering the pension. The review was through and not rushed. It was followed by a second meeting to explain the written advice. We get regular updates, and Chris is happy to respond to questions I ask as and when. Have you seen the outcome you were hoping for? Very much so, by taking his advice my pension pot has grown nicely. What could they have done better? There are lots of papers to read that are probably legally required. (It keeps trees in business :) ). An overview single A4 side explaining what they are for would have helped me to understand what we were looking at.
N Langman, Harlow
What were the circumstances that caused you to look for a financial adviser? I had some money to invest and wanted to review my financial situation with regards to retirement How did Chris Clark help you? He transferred pensions and guided us with investing our savings Have you seen the outcome you were hoping for? Yes. What could they have done better? No complaints.
Val, Gillingham
What were the circumstances that caused you to look for a financial adviser? Looking to retire early How did Chris Clark help you? Advised on options to make best use of my assets in respect of generating income to supplement my current pensions provisions. Have you seen the outcome you were hoping for? Too early to say, however initial returns are very promising. What could they have done better? The service Chris provides is top class, I cannot think of any areas for improvement.
Ken, Ditchling
NEITHER MY WIFE NOR I HAVE THE EXPERIENCE IN THIS FIELD AND NEEDED SOMEONE WHOM WE COULD TRUST TO HELP US THROUGH WHAT TO THE LAYMAN SEEMS TO SOMETHING OF A MINEFIELD, YET IS AN EXTREMELY IMPORTANT ELEMENT OF LIFE. How did Chris Clark help you? HE EXPLAINS THINGS CLEARLY AND AVOIDS JARGON. HE OFFERS UP ALTERNATIVES AND THEN GOES THROUGH EACH OF THOSE ALTERNATIVES SO THAT WE CAN REACH DECISIONS. WE ARE STILL CONSIDERING SOME ASPECTS OF OUR DISCUSSIONS WHERE DECISIONS DO NOT YET NEED TO BE MADE, SO I WOULD USE THE WORDS 'WORK IN PROGRESS' FOR THESE PARTS RATHER THAN 'OUTCOME', THOUGH WE FEEL THAT WE WILL END UP WITH AN OUTCOME THAT WE WISH FOR. What could they have done better? OFFER US A SECOND CUP OF COFFEE ? SERIOUSLY, NO WE HAVE BEEN VERY SATISFIED WITH HIS SERVICE.
Godfrey, West Dulwich
Clear and concise advice regarding pension. Ability to cut through jargon and assist me with investment. Made me feel that my issues were the most important thing in the world to him. Advice was so clear and options discussed at great length to ensure I had an informed choice Have you seen the outcome you were hoping for? Yes and outcome much better than anticipated What could they have done better? Advice and assistance - I could not ask for more and absolute recommend him to anyone who has £100 to £100m to invest
Evelyn, Colchester
Seeking advice in planning for retirement, and ensuring best return on current savings How did Chris Clark help you? He gave valuable insight into calculation of pension level of income and options available for good return, based on risk factor I requested. Have been with Chris for 5 years and seen very good return on isa, and an equally good improvement in the value of the pension fund. I cannot immediately think of any area Chris could improve on, whether it is smartness of appearance and smartness of intelligence, attentiveness, ease of communication and understanding. All aspects are top notch.
Stephen, Maidstone
What were the circumstances that caused you to look for a financial adviser? To discuss pensions we already had and new investments for the future with money we both had in banks. How did Chris Clark help you? He checked over all our pensions and investments we already had, to make sure we would get the best returns and if not move them into investments that would be more likely to and invest any future money we received Have you seen the outcome you were hoping for? Yes by more than we thought What could they have done better? For us nothing
Martin, Bishops Stortford
The pensions are now all in a fund and working very well. I have just signed up for life insurance and will invest in an ISA shortly. we have talked about a number of other things although I am not ready to commit to anything else yet... What I have seen so far has been very encouraging.
Phil, Aylesford
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? To help in sorting out the best company and risk to help me save for when i retire How did Chris Clark help you? Sorted out everything for me and kept me updated. Have you seen the outcome you were hoping for? Yes, coming up to drawing my pension and he has arranged a good deal for me. What could they have done better? Nothing.
Paul, Southend
I find [Chris] pleasant, polite and patient in explaining his recommendations, which are thoroughly reviewed on a regular basis. Above all, he listens and gets results. He has been servicing us well for 8 or more years and long may our relationship continue. I cannot think of anything that could have been done better. To reduce the amount of printed reports coming through the letter box, I asked if I could be sent quarterly updates of the portfolios in an Excel spreadsheet by email so I have at my finger tips the whole history as regularly updated. This was no problem and it works for me.
Ian, Colchester
Chris provided detailed and clear analysis reports of my existing pensions and investments, their performance, current status, and recommendations on actions to take to achieve my goals. As a result I am moving forward to consolidate some of older personal pensions into a new pension to be monitored by Advance Wealth. Next I will be considering SIPP and ISA investments and insurance policies. Chris also has access to close acquaintances who will be able to offer specialist advice in areas of insurance, wills and inheritance, business development which may not fall directly under the expertise of an IFA but are complimentary and necessary. I have learned that an IFA will provide solid and structured advice with a large degree of safety and caution as would be expected. I also learned that I have an appetite for some more risky investments which I will pursue in addition to this advice. Chris understood this and had no issue with my pursuing multiple investment 'paths' and at no time did I feel under pressure to put all my eggs in one basket. I was referred to Chris by my Accountant and went into the process with no prior experience with an IFA. I have been pleased with the advice and the clarity which Chris was able to bring to the table in a professional but friendly manner and I now have confidence that I am at the start of a much needed plan toward retirement. Knowing that there will be someone there to help guide my investment and provide stable advice along the way is exactly what I need. I am at the early stages of our relationship and so far I am 100% satisfied with the service and advice I have received. I have provided 4* ratings only because I do not yet have experience of the ongoing review process, however once my investments have run for a period I expect to be able to provide a full 5* rating.
Hugh, Harlow
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Looking for a better return and a more pro-active approach to the management of my pension. How did Chris Clark help you? Advised on the various alternatives to the wrapped platform scheme I was in. Have you seen the outcome you were hoping for? Pretty much What could they have done better? Nothing I can think of
Steve, Chelmsford
About us

Established in 2009 by Chris Clark, Advance Wealth is a firm of Independent Financial Advisers who pride themselves on working to 10 specific commitments to customers, including respect at all times, an "advice not sales" mentality, and a proactive approach. We specialise in holistic financial planning on a 'Whole of Market' basis in pensions, investments and protection for business owners and senior management.

Our services

Advance Wealth commit to contacting their servicing clients every 3 months with an update on the performance of their portfolio - an exceptional level of performance in the industry.

Where to find us
Head office address: The Mise Centre, Broomfield Place, 189 Main Road, Broomfield, Essex, Chelmsford, CM1 7EQ
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020

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