ClearPlan Financial Services Ltd

Independent Financial Adviser  101 Newcastle Road, Congleton, CW12 4HL
First meeting at adviser's own cost
ClearPlan provides tailored Independent Chartered Financial Planning solutions. We guide our clients to achieve financial security through informed decision making.
We can advise you on
Annuity purchase
Auto enrolment
Pension consolidation
Pension drawdown
Pensions & divorce
Pensions & retirement planning
Pensions review
Pensions transfer
Wealth management
Ethical investments
ISA / Unit Trusts / OEICs
Investing for income
Investment trusts
Offshore investments
Socially responsible investments
Unit trusts
Lump sum
National savings
Regular savings
Savings for children
School fees planning
Capital gains tax
Estate planning
Income tax
Taxation planning
Response rating
FCA authorised
Last authorised 18th October 2021
Meet our advisers
MR Michael Meech
Chartered Financial Planner

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

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. 

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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.

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

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

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

Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.

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

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

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

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.

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 examination assesses a knowledge and understanding of financial protection plans.

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

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.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

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

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

Chartered financial planner - individual adviser accreditation
What our clients say
When dealing with Michael and the team at Clear Plan, I felt that I was getting a clear idea of where I wanted to be in life. The team helped me identify areas in life I had not considered and options that I didn't know about. I found everything about the service provided to be executed well and would be happy to recommend this company to others.
Ade, Stoke
Impeccable service exceeding expectation. Extremely conscientious over confidentiality. Considerate & accommodating at arranging appointments. Researching & finalising investments to suit requirements taking all information & circumstances into account.
Janet, Cheshire
Having spoken to other financial advisers prior to working with Michael, it was very clear to me that Michael's approach was different. At no point was he interested in selling me a product, service or a solution. He simply wanted to understand what my current situation was and where I wanted to get to. Once he had this idea in his mind, he very clearly advised me on what else I needed to think about in order to achieve my goals; many things that I had never considered. From here, we worked together to put a plan in place that doesn't just think about the now, it's looking towards the future. Thank you for putting my mind at rest Michael, I hope this review helps you to help others do the same.
Kevin, East Didsbury
I met Michael over a year ago, and at all times he has been happy to advise and demonstrate how my pension can be improved and looked after. I have found him refreshing in his honesty, kindness and genuine interest in trying to help, and at no time have I doubted his knowledge. I have recommended him to contacts and will be moving my pension over to his company this week. Michael is highly qualified and trustworthy, and He has good ethics, the expression ‘wise head on young shoulders’ comes to mind. He will go the extra mile for all his clients and give an honest review and advice.
Kate, Cheshire
A change in my personal circumstances necessitated a review of my finances. I find the whole subject very tortuous to deal with and needed somebody I could trust. Michael is a young man with integrity and gives excellent advice based on a strong technical knowledge. He actually listens to the clients wishes and makes them the centre of the equation as opposed to just pushing you into products which might be flavour of the month. I am very happy with the service I have received and he has made me feel more at ease with dealing with these matters for the future.
Karen, Cheshire
I was looking for a fresh and knowledgeable approach to help me optimize our pension funds and investments. Michael provided this approach in a very straight forward manner and had the patience to properly explain the issues; his technical knowledge is impressive, which can't be said for some of the other people I have dealt with in the past. I know I can call him any time I have queries or new problems relating to my finances and will get a timely and informed opinion. I currently have a well-balanced portfolio against our needs and accepted risk profiles. I really have everything I could wish for from this service.
David, Cheshire
About us

ClearPlan Financial Services Ltd is an Independent Financial Advisory Firm providing professional Chartered Financial Planning Solutions from the whole of the market, so you can have peace of mind knowing you receive 100% independent unbiased advice. With so much choice and flexibility now available, making the right decisions at the right time has become paramount. Experienced and highly knowledgeable at navigating the complexities of today’s changing world of finance, we pride ourselves in providing, transparent, easy to understand, strategic recommendations tailored to achieving your financial objectives and goals. We provide expert advice which has been accredited well beyond industry standards specialising in: • Pre and Post-Retirement Planning • Investment Planning • Tax Planning • Wealth Management • Generational Planning • Estate Planning The delivery of fair outcomes and client satisfaction is embedded in our culture, putting clients at the forefront of all we do enables us to provide a first-class service. ClearPlan is part of a long-established and financially robust, prolific multi -award-winning network, TenetConnect Limited, providing Independent Financial Adviser support services across the UK.

Our services

At ClearPlan we value long-term intelligent and trusted relationships. Our philosophy is built upon client satisfaction through our highly professional and transparent services.

All our advice incorporates lifestyle cash-flow modelling, reviewed regularly so that you can be sure you remain on track with your financial plan rather than hoping for the best. Without it how would you really know how much is enough to achieve your goals?

We listen to your individual needs, discuss your options and provide pertinent truly independent advice tailored towards achieving your objectives.

Please take this opportunity to initiate your initial, no cost, consultation with ClearPlan.

Where to find us
Head office address: 101 Newcastle Road, Congleton, CW12 4HL
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Special offers
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Offers terms
Advice methods
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Response rating
FCA authorised
Last authorised 18th October 2021

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