Frequently Asked Questions

A financial plan gives clarity and direction. It helps you understand where you are now, where you want to be in the future, and how to get there — whether that’s retiring earlier, becoming debt-free, protecting your family or passing on wealth efficiently.

No — we work with clients at all stages of their financial journey. Whether you're building assets, preparing for retirement or managing significant wealth, we shape our advice around your goals.

Both. We offer meetings in our London office (Snow Hill, Holborn Viaduct) or virtually via Microsoft Teams — whatever suits your schedule best.

We agree fees upfront, with full transparency. Depending on the type of advice, this may be a fixed fee, percentage-based or project-specific. There are no hidden costs.

Yes — Clockswood Wealth is fully independent and whole-of-market, meaning we are not tied to any provider and always act solely in your best interests.

Absolutely. We build personalised portfolios based on your goals, timeframe, and comfort with risk — whether you're investing monthly or managing a larger lump sum.

Yes. We specialise in Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS) for clients seeking income tax relief, inheritance tax planning or diversification — subject to risk suitability.

Yes. We calculate how much you’ll need, assess existing pensions and savings, and build a strategy to generate income that’s sustainable — and tax-efficient — throughout retirement.

We can review old or scattered pensions and, where appropriate, consolidate them into a more structured and cost-efficient retirement plan.

Yes — we can support with residential, buy-to-let and specialist mortgages, and ensure the right protection is in place alongside borrowing.