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

9.0/10

17th December 2018

Chartered and Certified Independent Financial Planner helping business owners, people retiring and solicitors to 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

CF6 - Certificate in Mortgage Advice (CII)

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.

CF5 - Integrated financial planning (CII)

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

CF1 - UK financial services, regulation & ethics (CII)

This exam accesses understanding of the financial services industry including regulation and legislation.

AF3 - Pension Planning (CII)

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

CF3 - Financial Protection (CII)

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

CF4 - Retirement Planning (CII)

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

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.

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.

AF5 - Financial Planning Process (CII)

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

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.

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.

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.

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.

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.

CF2 - Investment and Risk (CII)

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

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.

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

Accreditations

What our clients say

Matt has taken great care to understand us and our concerns, and then tailor a plan to help us manage our finances and ensure we have a comfortable retirement. Our annual reviews with Matt are reassuring, and we can change plans according to circumstances. As well as being highly qualified in his field, he is very approachable, professional and efficient.

Mrs E, Milton Keynes

Clear Vision have given me increased peace of mind when it comes to making what seem like complex (to me!) pension decisions. Life after retirement now seems less daunting.

Carol, Baldock

Matt provides a professional and friendly service. His advice has helped me to achieve a comfortable retirement. He is clear where he can offer advice and you know that that can be trusted.

Mrs B, Great Shelford

Since using Clear Vision, I have an increased level of confidence that I am making the right investment decisions to secure a comfortable retirement. The water seems a lot less muddy than it was.

Michael, Leighton Buzzard

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.

Guy, Stourport On Severn

Where to find us

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

About us

We are an independent financial planning firm based in Kempston, Bedfordshire.

Our Chartered Financial Planner, Matthew Aitchison, has worked in financial services for over 13 years.

As Financial Planners, our approach is to focus on you; your hopes, dreams and concerns. We then recommend financial solutions that will help you to achieve your goals. All that’s left for you to do is get on with living the life you want to live.

Over time, we have developed an in-depth knowledge of working with certain types of people. The people we work with will usually fall under one of the following three categories:

• People planning for retirement: If you want to retire on your terms, safe in the knowledge that you have the income you need to achieve your desired lifestyle, we can help.

• Business owners: If you want to get financially organised and achieve the best possible future for you, your family and your business, we can help.

• Solicitors: If you want to address your complex, tax-driven financial needs and achieve a better work-life balance, we can help.

Our services

• We are Financial Planners: We focus on you before your money and ensure that we think strategically, putting a plan in place to ensure you achieve your objectives.

• We are experts: Matthew’s commitment to professional development has seen him achieve both Chartered (CII) and Certified (CISI) status. He is among a small number of financial professionals in the UK who have achieved both.

• We are local: We are based in Kempston and work from a fully-modernised barn conversion. We find that the rural location is perfect for ensuring our client meetings are relaxed.

Compliance

Clear Vision Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales. Company number: 07514108. Registered Office: Unit 6, Rushey Form Business Park West End Road, Kempston, Bedford, England, MK43 8RU.

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

Telephone
Online (Live chat, video, email)
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£100,000

Minimum pension value

£250,000

Compliance

Contact options

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