clarityON

clarity

Introducing clarityON, the podcast that illuminates the world of finance. Join us as we delve into the complexities of the market, unravel the mysteries of pensions, and explore all things related to wealth management. In each episode, our team including chartered financial planners, investment managers and paraplanners will share their expertise and real-world experiences, ensuring you stay ahead of the game in the world of finance. But clarityON goes beyond numbers and charts; we're passionate about demystifying complex financial concepts and making them accessible to all. We believe that financial literacy is the key to unlocking your true wealth potential.  Subscribe now to clarityON or find out more at www.claritglobal.com and remember, when it comes to wealth management, clarity is key! 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.

  1. JAN 19

    The Psychology of Investing

    We all like to think we're rational when it comes to money, but the truth is, our brains can be our own worst enemy when making investment decisions. In this episode of clarityON, Investment Director Glyn Bolton and Investment Manager David Eve explore the fascinating world of behavioural finance and reveal how psychological biases cost investors dearly - sometimes to the tune of hundreds of thousands of pounds over a lifetime. What we cover: The bias blind spot: Why even experienced investment professionals aren't immune to cognitive biases, and how Morningstar's research shows that high bias levels can cost investors 1.5% per year in returns.Loss aversion: Why we feel losses 2.5 times more strongly than gains, and how this leads us to hold onto bad investments while selling winners too early.FOMO and herding behaviour: From the dot-com bubble to Bitcoin and Nvidia, why buying what "everyone else" is investing in usually means you're buying near the top.Overconfidence: The Dunning-Kruger effect in action—why the most overconfident investors rarely recognise they have a problem, and how even professional fund managers fall into this trap.Action bias: Why doing nothing is often the smartest move, and how missing just the 10 best days in the market can cut your returns in half.The real cost: How behavioural mistakes can mean the difference between retiring with £450,000 or £750,000—a £300,000 gap caused by emotions rather than market performance.The value of advice: Why Royal London's research shows advised individuals accumulate 23% more wealth, and how behavioural coaching accounts for half of the value a financial adviser provides.Glyn and David share real-world examples, debunk common investment myths, and provide a practical "red flag checklist" to help you spot when your biases are influencing your decisions. Whether you're a seasoned investor or just starting out, this episode will help you understand the psychological traps that derail even the smartest people—and how to avoid them. Need help managing your investment psychology? Book your free consultation or email enquiries@clarityglobal.com. 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...

    18 min
  2. 12/05/2025

    The Budget 2025

    The Budget 2025: What It Means for Your Financial Plan After months of speculation, the Chancellor has finally delivered the 2025 Budget and while some feared sweeping changes, the reality is more nuanced. In this episode of clarityON, Chartered Financial Planner Daniel Smith is joined by Claire Brooks, Associate Technical Director at clarity, to break down what stayed the same, what’s changing, and what it all means for your financial planning. What we cover: What didn’t change: Income tax rates, pension rules, Capital Gains Tax (CGT) exemptions, and Inheritance Tax (IHT) gifting rules remain untouched.What’s new: From dividend tax hikes and ISA restrictions to changes in VCT (Venture Capital Trust) relief and NI (National Insurance) savings on salary sacrifice, we unpack the key updates and timelines.Planning strategies: How to navigate fiscal drag, make the most of ISAs and pensions, and prepare for upcoming IHT and investment changes.Surprises and speculation: Why some rumoured changes didn’t happen, and what that tells us about future Budgets.Whether you’re managing investments, planning for retirement, or simply want to stay ahead of rising tax burdens, this episode is packed with insights to help you make informed decisions. Click here to read our guide on The Budget 2025. Need advice on how the Budget affects you? Book your free consultation or email enquiries@clarityglobal.com. Disclaimer: The tax rates and rules discussed in this episode apply to England and Wales. Tax rates and allowances may differ in Scotland and other UK jurisdictions. Please seek advice specific to your location before making any financial decisions. 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...

    32 min
  3. 09/22/2025

    Bridging the Gender Investment Gap

    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 retirementBook your free consultation with clarityDon'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. 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...

    44 min
  4. 08/13/2025

    Cracking The Capital Gains Tax Code

    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 everHow CGT is calculated, especially for property and investmentsCommon myths and mistakes people make (and how to avoid them)Smart tax planning strategies, including spousal transfers, tax wrappers, and loss harvestingQuickfire listener FAQs, from “bed and breakfasting” to reporting deadlinesWhether 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. 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...

    18 min
  5. 07/20/2025

    6 Months of President Trump: How the Global Economy has Changed

    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, onshoringMarket performance across the US, UK and EuropeWhat’s driving gold and currency movementsThe role of the US dollar as the global reserve currencyRisks and opportunities for UK investorsGeopolitical flashpoints and investor sentimentWhether 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. 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...

    30 min
  6. 06/06/2025

    Should You Consolidate Your Investments?

    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 platformsThe key benefits of consolidation, from easier reporting to improved tax planning and estate simplicityA real-life client story: how moving from five platforms to one transformed their financial confidenceWhat 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 placeCommon FAQs around platforms, transfers, and whether consolidation is right for youFor 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. 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...

    11 min
  7. 05/15/2025

    All About ISAs

    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: enquiries@clarityglobal.com 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...

    8 min
  8. 04/17/2025

    Navigating the New Tax Year

    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 ofThe latest on pension legislation updates coming in 2027 — and how to start preparing nowA look at the ongoing discussion around changes to Cash ISAsHow making the right pension contributions can help ensure high earners still qualify for tax-free childcare and free childcare hoursWhether 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 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...

    20 min

About

Introducing clarityON, the podcast that illuminates the world of finance. Join us as we delve into the complexities of the market, unravel the mysteries of pensions, and explore all things related to wealth management. In each episode, our team including chartered financial planners, investment managers and paraplanners will share their expertise and real-world experiences, ensuring you stay ahead of the game in the world of finance. But clarityON goes beyond numbers and charts; we're passionate about demystifying complex financial concepts and making them accessible to all. We believe that financial literacy is the key to unlocking your true wealth potential.  Subscribe now to clarityON or find out more at www.claritglobal.com and remember, when it comes to wealth management, clarity is key! 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.