Personal Financial Planning.

Clearwater Financial makes sense. We make sense of your money and the issues that affect your wealth. Our aim? To give you peace of mind, and the freedom to live the way you choose.

Welcome to Clearwater Financial. We would be delighted to talk through your requirements in person. Please feel welcome to contact us today.


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Investment Advice

Life Insurance and Protection


Personal Tax Planning

Pensions and Retirement

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Investment Advice.

In order to achieve good returns over the medium-to long-term, consideration should be given to investing in real assets. The difficulty with asset-backed investments is choosing what type of asset, and more specifically which asset to invest in.   ‘Pooled investments’ such as managed funds provide access to a very wide range of assets, and choices made by the fund management team will reflect the investment objectives as identified in advance.

Understanding risk is critical, and investment decisions fall into 3 broad categories:





Many investors vary the level of risk across their investments, and in general we recommend that investment decisions should be based on a minimum term of 5 years. At Clearwater Financial Exeter, we will help you to set your investment objectives, and work with you to build a portfolio that is most likely to see those objectives delivered. Regular reviews ensure that opportunities and threats are identified and acted upon.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Life Insurance and Protection Advice- Protecting what is important to you.

With many hundreds of products available, the protection market can be extremely daunting when approached for the first time. It is now possible, for example, to buy life cover from a supermarket or on the Internet. The added value that Clearwater Financial can provide when helping you through this maze is to establish with you exactly the levels of protection that you and your family need, not only in the event of premature death but also critical illness or incapacity. Having tailored the right solution for you, our research team will search the entire market to find the company offering real value for money. This doesn’t always mean the cheapest as our experience shows that not all protection plans are built the same way.


Protection plans can include:

    • Life Insurance
    • Critical Illness Insurance
    • Income Protection
    • Whole of Life Insurance
    • Convertible and Renewable Term Assurance
    • General Insurance

As people, we are all individual – let us tailor-make a protection package to suit your individual needs.

Independent & Whole of Market Mortgage Advice.

It is important to note that your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate on Buy to Let mortgages.

As an Independent Mortgage Broker, we have the ability to consider mortgages from the whole of the market being offered in the UK, and are able to source the right product for each of our clients.  Additionally, thanks to the high volumes of business that we place, we have very strong relationships with most of the major lenders, which is particularly useful when circumstances demand a faster turnaround time.

Our strong links to major Estate Agent firms additionally means that we can offer particular expertise for clients looking to purchase at the upper end of the market with bridging finance*.

We can help you with all types of mortgages including:

  • Mortgages for First Time Buyers
  • Mortgage for Home Movers
  • Re-Mortgages and Re-Financing
  • Mortgages for Buy to Lets
  • Mortgages for Self Builds
  • Mortgages for Shared Ownership

Our Professional Adviser in Exeter can assist you from the very start to the very end of the transaction throughout Devon.

*Bridging finance enquires will be referred to a master broker.


Personal Tax Planning.


The burden of personal taxation has never been higher in the UK. Whilst it is here to stay, it is also true that far too many people pay more tax than they need to. Without interfering in the work carried out by your accountant, we work to ensure that you don’t pay tax unnecessarily and suggest options that may help reduce your personal income tax or capital taxation liabilities.

In particular, we are aware that far too many people pay unnecessary amounts of Inheritance Tax. With a simple adjustment to a Will or by setting up Trust Arrangements, this onerous tax can be significantly reduced.

The Financial Conduct Authority does not regulate on Estate and Tax Planning.

Will Writing is not part of the Intrinsic Financial Services offering and is offered in our own right. Intrinsic Financial Services accept no responsibility for this aspect of our business. Will Writing is not regulated by the Financial Conduct Authority.


Pensions & Retirement Advice.

Whilst the Government is doing all it can to simplify Pension Contracts, it is the case that despite their efforts with initiatives such as Stakeholder Pensions, far too many people have far too little by way of pension provision.   The charging structure for most modern pension contracts has significantly fallen, and yet the majority of clients that we meet for the first time are still paying into old-style, expensively charged arrangements.


The Clearwater research team will look very carefully at your existing arrangements, taking into account charges, flexibility and the financial strength of the company concerned. Based on this research we can make recommendations and produce projections that ensure your pension plans are kept on track to deliver the retirement that you deserve.

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

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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