Independent Business Planning Advice.

Clearwater Financial is an independent financial adviser firm, with a wealth of experience in helping organisations to reach their goals. Our combination of experience, research and service can add real value to your business when you are looking for independent advice to make sure your business works at its optimum.


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Company Pensions

Business Tax Planning

Corporate and Business Finances

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Corporate Protection.


Your business should ensure that plans are put in place to cope with key people being unavailable due to unfortunate occurrences such as illness, or worse, death. This can not only affect directors and partners, but also key members of staff.

We will review and assess the risk, and advise on the structure and levels of adequate protection to ensure that the business is able to continue during potentially dangerous times. Additionally we ensure that these stay competitive, and on track to deliver the business objectives in the future.

Company Pensions.

Pension legislation has never been so complex, and whilst the Government is set to simplify pension rules, it is the case that far too few companies set up their pension arrangements in the most advantageous way. In particular, far too few members of staff take up the options that should be enjoyed to their benefit.

We set up Group Pension arrangements, Stakeholder Schemes and Directors’ Pensions (particularly with an eye to Self Investment), with advice, given across all aspects of tax-efficient pension planning.


Investment Warning:

You should be aware that the value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.


The Financial Conduct Authority does not regulate on Auto Enrolment.

Business Tax Planning.

Business Planning

Most people run businesses to produce capital and income for  their families to enjoy their chosen lifestyle. Ensuring money can be taken out of a company in the most tax-efficient manner is therefore key to achieving this objective. We work closely with accountants to ensure that all avenues are explored and that the hard work and energy you put into your own business delivers a worthwhile reward in your hands, rather than the Taxman’s.

Corporate & Business Finance.

Putting the right finance in place is critical for any new or growing business. Thanks to low interest rates, the market is moving quickly and is very competitive. Consequently, getting the most suitable deal for your business demands a specialist.

Having analysed your needs, our research team will consider the entire market to find the right package tailored to suit you. We then ensure that your rates remain competitive throughout the life of the deal, and advise accordingly if better options are available through a different source.


Clearwater Financial Limited. Registered in England and Wales, under no. 05437119.

Registered office address - 6 Southernhay West, Exeter, EX1 1JG.

Clearwater Financial Limited is an appointed representative of Quilter Wealth Limited and of Quilter Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority. Quilter Wealth Limited and Quilter Mortgage Planning Limited are entered on the FCA Register ( under reference 217742 and 440718.

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