Clear Vision Financial Planning Ltd

Independent Financial Adviser Unit 6, Rushey Ford Business Park, West End Road, Kempston, Bedfordshire, MK43 8RU

First meeting at adviser's own cost

Response rating

7.0/10

13th August 2018

Chartered and Certified Financial Planner specialising in helping clients 5-10 years from retirement design and live the life they want.

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Unit trusts
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Financial planning
- Wealth management

Meet our advisers

Matthew Aitchison BA (Hons) APFS

Chartered & Certified Financial Planner

Qualifications & Accreditations Hide qualifications

Member of the Chartered Institute For Securities and Investments

MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience

CFP - Certified Financial Planner Licence (IFP)

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

CF2 - Investment and Risk (CII)

This examination assesses a knowledge and understanding of investment products and the risks involved.

J04 - Pension Funding Options (CII)

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.

CF9 - Pensions Simplification (CII)

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

AF1 - Personal Tax and Trust Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

ACII - Associateship Examination (CII)

Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.

Chartered Financial Planner (CII)

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

AF5 - Financial Planning Process (CII)

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

J05 - Pension Income Options (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

AF4 - Investment Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

CF4 - Retirement Planning (CII)

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF3 - Financial Protection (CII)

This examination assesses a knowledge and understanding of financial protection plans.

AF3 - Pension Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

Accreditations

What our clients say

We spoke to other advisers but opted for Matthew as he was very personable, a good listener and had a very easy approach. He gave us advice tailored to our specific needs which he had already researched by his careful questioning. We have already recommended him to a friend and have no hesitation in recommending him to others.

Mr & Mrs C, Bedfordshire

Matthew has been my trusted adviser for several years. He has a calm, considered professional manner and is a pleasure to deal with. Always giving of his time, I feel highly valued. I particularly appreciate his proactive approach and I have the confidence of knowing he is able to provide totally independent and bespoke guidance for my own requirements.

Mr G, Northamptonshire

My wife and I have been using Matthew Aitchison of Clear Vision as our IFA since early 2014. His reports are clear and frequent and his client care second to none. I have been very pleased with the advice given and with the charging structure he uses, which is very competitive. I would not hesitate in recommending him.

Mr H, Cambridgeshire

Where to find us

About us

We are an independent financial planning firm based just outside Bedford.

We work differently to traditional financial advisers. We believe that financial planning isn’t about pensions, investments or tax planning; these are just tools in delivering the future our clients want.

Our clients come in all shapes and sizes, however, they all have goals and aspirations that they want to achieve. Typically you will either be approaching retirement (from 10 years out to retiring within the next 6 months), or already retired. You would like to bring structure to your financial affairs and ensure they are efficient. Most importantly you will want to ensure that you, and your family, will be able to live the life that you want.

We work with all of our client on a long-term basis to ensure that their strategy remains relevant and on track.

We only work with clients where we believe we can add real value.

Our services

Our service is designed to help you identify the life you want to live, establish how to get there and then make it happen.

We will work very closely with you to really get to know you and to help you establish exactly what you want to achieve in your life, including your future lifestyle. We then design a strategy to match your financial resources to your goals and aspirations.

Once the strategy is agreed we action it and then manage it on an ongoing basis, ensuring it always remains on track and relevant to your goals.

Compliance

Clear Vision Financial Planning Limited is authorised and regulated by the Financial Conduct Authority

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Unit trusts
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Financial planning
- Wealth management

Advice methods

Face to face

Preferred clients

Minimum wealth (income/assets)

£100,000

Minimum pension value

£250,000

Website

Compliance

Clear Vision Financial Planning Limited is authorised and regulated by the Financial Conduct Authority

Contact options

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