In this episode of the clarityON podcast, host and clarity Adviser Naomi Kewell is joined by guest expert Alexandra Miles to unpack the gender investment gap. Why it exists, how women's life paths shape their financial journeys, and what can be done to change it.

The discussion covers structural and societal factors contributing to this gap, such as career breaks, part-time work, and caregiving responsibilities, as well as differences in industry pay. Alexandra shares worrying statistics on the persistence of the gap and highlights international examples like Iceland's mandatory pensions as potential solutions. They also discuss the importance of financial education, community support, and open household conversations to empower women to build better financial futures. The episode concludes with practical steps women can take to close their investment gaps and the significance of factoring pensions into divorce settlements. Whether you are at the start of your career, balancing mid-life priorities, or planning retirement, this episode offers insight, empathy, and empowering advice for women looking to take charge of their financial futures.

Resources mentioned in this episode:

• Check if you are on track for your retirement
• Book your free consultation with clarity

Don't miss future episodes — subscribe and follow clarityON wherever you get your podcasts.

If you would prefer to watch this episode you can find it on youtube here.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

Capital Gains Tax (CGT) may not be the most exciting topic but ignoring it could cost you. In this episode of clarityON, Carrie Hughes is joined by Senior Financial Adviser Dan Smith to demystify the CGT rules, highlight the changes you need to know for 2025/26, and share practical planning tips that could help you reduce your tax bill.

What we cover:

• What CGT is, who it affects, and why it matters more now than ever
• How CGT is calculated, especially for property and investments
• Common myths and mistakes people make (and how to avoid them)
• Smart tax planning strategies, including spousal transfers, tax wrappers, and loss harvesting
• Quickfire listener FAQs, from “bed and breakfasting” to reporting deadlines

Whether you are planning a property sale, managing an investment portfolio, or simply want to stay one step ahead of HMRC, this episode has something for you.

Need help with your Capital Gains Tax planning? Book your free consultation here.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of clarityON, Chris Finch (Investment Analyst at clarity) is joined by Glyn Bolton (Investment Director at clarity) to explore how President Trump’s dramatic return to the White House has impacted global markets and economies in just six months.

From sweeping executive orders and aggressive tariff policies to shifting market dynamics, gold rallies, and a weakening US dollar, Chris and Glyn unpack what’s happened so far and what it could mean for investors, especially those in the UK. They also explore how Trump’s approach to geopolitics, interest rates, and economic policy is shaping the current investment landscape and what could lie ahead.

Topics covered include:

• Trump’s economic agenda: deregulation, tariffs, onshoring
• Market performance across the US, UK and Europe
• What’s driving gold and currency movements
• The role of the US dollar as the global reserve currency
• Risks and opportunities for UK investors
• Geopolitical flashpoints and investor sentiment

Whether you’re invested in US markets or simply trying to make sense of the global picture, this episode offers timely insights to help you stay informed and in control.

Want to understand how these developments could affect your personal portfolio?

Book a free, no-obligation consultation today. We’ll help you make sense of the bigger picture and stay on track with your long-term goals - Click here to get started.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of clarityON, Senior Investment Management Services (IMS) Administrator Francisca (Kika) Ferreira  and Chartered Financial Adviser Tuhin Miah consider a crucial question for investors: Why should you consolidate your investments?

With portfolios increasingly scattered across multiple platforms, investment consolidation isn’t just about tidiness—it’s a powerful strategy for gaining clarity, reducing costs, and taking better control of your financial future.

We explore:

• How investment management has evolved—from fragmented fund houses to streamlined digital platforms
• The key benefits of consolidation, from easier reporting to improved tax planning and estate simplicity
• A real-life client story: how moving from five platforms to one transformed their financial confidence
• What assets can be consolidated (and what can’t)
• How clarityONLINE helps you see your entire financial world—from investments to credit cards—in one secure place
• Common FAQs around platforms, transfers, and whether consolidation is right for you

For more on our digital platform clarityONLINE, check out our clarityON podcast episode with CTO Gordon Jones and Digital Marketing Manager Leila Photiou.

And click here to book your free consultation.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of clarityON, Chartered Financial Adviser Vicki Watson and Senior Paraplanner Andrew Kemp unpack everything you need to know about Individual Savings Accounts (ISAs) — one of the UK’s most tax-efficient tools for saving and investing.

From the basics of Cash ISAs and Stocks & Shares ISAs to the ins and outs of Lifetime ISAs, Junior ISAs, and Flexible ISAs, Vicki and Andrew explain the benefits, rules, and strategy behind each option. They also discuss recent changes, potential reforms, and why using your ISA allowance early in the tax year could make a big difference.

Whether you're saving for a house, building a nest egg for your children/grandchildren, or just trying to grow your wealth more efficiently, this episode will help you understand how to make your ISA work harder for you.

Book your free consultation

Email us: [email protected]

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of clarityON, CEO Angus Jones is joined by Daniel Smith, Chartered Adviser, to help you make sense of the new tax year. Together, they explore what has changed, what is on the horizon, and how to plan ahead with confidence.

Topics include:

• Key tax year changes to be aware of
• The latest on pension legislation updates coming in 2027 — and how to start preparing now
• A look at the ongoing discussion around changes to Cash ISAs
• How making the right pension contributions can help ensure high earners still qualify for tax-free childcare and free childcare hours

Whether you're reviewing your financial strategy or simply trying to stay ahead of the curve, this episode is packed with practical insight to help you navigate the year ahead with clarity.

Tax Year Planning Guide

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of clarityON, we’re taking a deep dive into clarityONLINE, our secure, all-in-one digital portal designed to give you a complete view of your financial world. Host Leila Photiou, Digital Marketing Manager, is joined by Gordon Jones, clarity’s Chief Technology Officer, to explore how clarityONLINE empowers clients to track investments, manage assets, collaborate with advisers, and take control of their financial future, all in one place.

What you'll learn in this episode:

•  How clarityONLINE brings all your financial data together for a real-time view
•  The game-changing features like Open Banking, Self-Managed Holdings, and Portfolio Management
•  How clients can invest, trade, and withdraw directly through the portal
•  The power of secure messaging and family wealth collaboration
•  The clarity mobile app, your finances at your fingertips!

Listen now and discover how clarityONLINE is redefining digital financial management!

Please sent feedback to - [email protected]

Watch this video to find out how to add new holdings to clarityONLINE
For more information on clarityONLINE

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

With the tax year-end fast approaching, now is the time to make the most of your allowances and tax-efficient strategies. In this episode of the clarityON Podcast, Francisca (Kika) Ferreira is joined by Naomi Kewell, a Chartered Financial Adviser at clarity, to break down everything you need to know before the Tax Year End, April 5th deadline.

Key topics covered:

• Maximising pension contributions and tax relief
• Using ISAs to build a tax-efficient investment portfolio
• Capital Gains Tax strategies to minimise liability
• Higher-risk investments like VCTs and EIS – are they right for you?

Resources:
Read our full Tax Year-End Guide
Listen to our January episode on VCTs & EIS
Need personalised advice? Book a free consultation at clarityglobal.com

Tune in to gain practical insights and ensure you’re making the most of the opportunities available before the tax year closes! Don’t forget to subscribe, leave us a review, and stay tuned for our next episode. 

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this episode of the clarityON Podcast, Adviser Tuhin Miah and Investment Manager David Eve delve into the world of Venture Capital Trusts (VCTs)—a unique investment opportunity designed to support small, high-growth UK businesses while offering attractive tax benefits.

They discuss:

• How VCTs work and their key features.
• The 30% income tax relief and other tax advantages.
• The risks and rewards of investing in smaller, less-established companies.
• Alternatives like the Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) for those seeking similar incentives.

Whether you’re an experienced investor or exploring VCTs for the first time, this episode offers valuable insights into how these high-risk, high-reward opportunities can fit into your financial plan. As always, it is best to speak to your clarity adviser on these investments first.

To read our useful guide on VCTs, EIS & SEIS schemes here.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.

In this special holiday episode of the clarityON Podcast, host Carrie Hughes is joined by Vicki Watson, Chartered Financial Planner at Clarity, to explore how you can make your charitable donations go further. Whether you’re interested in maximising your Gift Aid benefits, learning about tax-efficient ways to donate shares or property, or leaving a lasting legacy through your estate, this episode has something for everyone.

Tune in for practical tips to align your giving with your financial goals while supporting the causes you care about most. Discover how generosity can be rewarding—both emotionally and financially!

Read our guide to charitable giving here.
Or access Charity Aid Foundation's website here.

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Performance Disclaimer:

Past performance is not an indication of future performance. The value of your investments can go down as well as up.

Legal Disclaimer:

Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.

All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.

clarity makes no representations as to accuracy, completeness, or suitability of any information and will not be liable for any errors, or omissions in this information.

Please contact your financial adviser if you require further support or assistance with any of the topics raised.