0330 038 8938
Based in Wickford
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: June, 2020
4.9 out of 5
Checks carried out by VouchedFor
FCA Regulated
Howard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 11 April 2025
Howard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
19
Recent Client Reviews
Howard has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Howard has received 19 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 17 March 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Howard has not yet added their qualifications to their profile
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Howard has not yet added their qualifications to their profile
Transparent Fees
Howard has not yet added their fees to their profile
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Howard has not yet added their fees to their profile
Positive First Impressions
50% of VouchedFor users have had a positive (4 or 5 star) first experience with Howard (based on 4 first impressions)
50% of users who are not yet clients had a positive first experience with Howard
50% of VouchedFor users have had a positive (4 or 5 star) first experience with Howard (based on 4 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Howard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 11 April 2025
Howard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
19
Recent Client Reviews
Howard has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Howard has received 19 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 17 March 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Howard has not yet added their qualifications to their profile
Qualifications not yet added
Howard has not yet added their qualifications to their profile
Transparent Fees
Howard has not yet added their fees to their profile
Fees not yet added
Howard has not yet added their fees to their profile
Positive First Impressions
50% of VouchedFor users have had a positive (4 or 5 star) first experience with Howard (based on 4 first impressions)
50% of users who are not yet clients had a positive first experience with Howard
50% of VouchedFor users have had a positive (4 or 5 star) first experience with Howard (based on 4 first impressions)
I am married with two lively children, a horse and a dog. I began my career as a Trader on the London International Financial Futures Exchange for almost 12 years (serving on the Short Sterling Pit Committee for the last 3 years). After the Exchange closed its trading floor in 2000, I took a different path and became a Financial Adviser with Sun Life of Canada. I became an Independent Financial Adviser the following year and started Clear Financial Advice in March 2006.
Offers available through VouchedFor
Contact Howard through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Howard's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
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Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the adviser. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy. Local rates apply from a BT Landline when calling 0845 numbers, costs from mobiles and other operators may vary.
Adviser Disclaimer
The value of investments can fall as well as rise and you may not get back the full value of your original investment. Contact your Financial Adviser before making any decisions.
THE FINANCIAL SERVICES AUTHORITY DOES NOT REGULATE SOME FORMS OF MORTGAGES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.A typical fee for Mortgage advice is 0.5% of the Mortgage amount.
Clear Financial Advice is a trading name of Clear IFA Limited, which is authorised and regulated by the Financial Services Authority. Clear IFA Limited is registered in England, no. 5070654 at 51a Heath Road, Billericay, Essex, CM11-1HS.