clarityON

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.

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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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Book Your Free Consultation 

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YouTube

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.

Our Website
Book Your Free Consultation 

Instagram
LinkedIn
Facebook
YouTube

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.

Join Investment Director Glyn Bolton and Associate Technical Director Claire Brooks as they unpack the Chancellor's pivotal Autumn Budget. This episode delves into the essential updates on Capital Gains Tax, Inheritance Tax Planning, Pensions, ISAs, Stamp Duty (for main residences and second homes), Employers' National Insurance, and key reliefs like Agricultural and Business Property Relief. Perfect for those looking to understand how these changes might impact financial planning and investments.

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. Please contact your financial adviser if you would like to discuss any of the topics in further detail.

Our Website
Book Your Free Consultation 

Instagram
LinkedIn
Facebook
YouTube

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, Join our Investment Director, Glyn Bolton and Paraplanner, Sahiba Kohli explore the cornerstone of a sound financial plan - protection. We'll guide you through the main types of protection available, the critical questions to ask yourself, and the key decisions to make when choosing the right coverage for you and your family. Whether you're just starting out or revisiting your existing policies, this episode will provide the clarity you need to make informed decisions about safeguarding your financial future.

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. Please contact your financial adviser if you would like to discuss any of the topics in further detail.

Our Website
Book Your Free Consultation 

Instagram
LinkedIn
Facebook
YouTube

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.

Are you a parent or guardian looking to secure a bright financial future for your child? Tune in to our latest episode of clarityON, where we dive deep into "Investing For Children". Join Sahiba, Paraplanner at clarity and clarity's Investment Director, Glyn Bolton as they break down essential strategies to help you start investing wisely for your children.

From understanding why investing early is crucial, to exploring the best investment vehicles like Junior ISAs and Child Trust Funds, this episode covers everything you need to know. 

Whether you are new to investing or looking to optimize your current approach, this episode will provide you with actionable insights. Don’t miss out—your child’s financial future starts with the decisions you make today.

Listen now and take the first step towards securing a prosperous future for your family!

To download our research note on investing for children click here.

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. Please contact your financial adviser if you would like to discuss any of the topics in further detail.

Our Website
Book Your Free Consultation 

Instagram
LinkedIn
Facebook
YouTube

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, Executive PA Carrie Huges sits down with Financial Adviser Glyn Bolton to explore the essentials of retiring well. They discuss critical topics such as effective budgeting, the key financial information needed to craft your own retirement plan, potential future uncertainties that might impact your retirement, and additional considerations to ensure a secure retirement.

For a comprehensive guide on how to retire well, access our resource here: Retirement Guide 2024.

If you're interested in learning more about our Wealth Plan, visit the following link: Wealth Plan Information.

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.

Our Website
Book Your Free Consultation 

Instagram
LinkedIn
Facebook
YouTube

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.