What we do

Nowadays there is a bewildering choice of companies offering pensions, life assurance, unit trusts, investment and savings plans. New Providers frequently enter the marketplace – particularly in the fields of investment, pensions and long-term care – and the options for each investor are becoming increasingly complex.

As independent financial advisers, Clay Rogers has no links with or ties to any one product provider. Our task is to identify, examine and evaluate all available products before recommending those most appropriate to individual clients. We prefer a consultative, personal, one-to-one approach in order to gather as much information as practicable to identify a client’s needs precisely before tailoring a plan to match jointly-agreed objectives. And we constantly monitor the market to ensure that you only receive advice about products and services that best meet those objectives both now and in the future.

Our recommendations are created using software-based research systems, coupled with a degree of subjectivity developed from a sound knowledge of the marketplace to confirm that personal touch. We are convinced that such systems are essential for any modern day adviser entrusted to provide the highly detailed market analysis that today’s increasingly sophisticated investors require.

Services

Insurance

Looking after a family and ensuring adequate funds to cope with the unexpected forms the cornerstone of most financial planning. With a diversity of insurance products now available, a complete protection programme can be created to meet your needs and adapted to accommodate changes in the future.

Retirement

Planning for retirement is undoubtedly wise but often inexplicably ignored. Yet tax advantages provide a unique opportunity for a pension fund to grow virtually tax-free. But a pension is only one aspect of financial planning for an affordable and enjoyable retirement where we can help you.

Savings & investment

Investing wisely safeguards future spending power but the traditional havens of banks and building societies no longer protect against inflation and even newer investment forms warn that past performance is no guarantee of future returns. It's here that expert advice and constant monitoring can pay dividends.

Mortgages

Whether you are a first-time buyer, investing in property to rent or re-mortgaging to provide money for a business, home improvements or debt consolidation, choosing from the huge variety of mortgages now available is how we can help you make an informed decision on the most appropriate option.

Lifetime Cash Flow Analysis

Cash flow planning is one of the most significant ways of ensuring that your financial goals are realistically achievable. The primary function of this holistic discipline is to enable you to become and remain financially well organised so that you can determine and subsequently accomplish those ambitions by taking into account both present and future financial scenarios.