Clarity Wealth Limited

05/08/2026

The 4% rule (whatever that is!) may be useful one day, for someone, somewhere 🫠🤣 — but retirement is about much more than one percentage.

We modelled £40k, £80k and a flexible approach where spending starts higher and reduces later.

The results were very different.

Retirement planning shouldn’t just be about how much you can safely withdraw — it should be about making your money fit the life you actually want.

🎥 More retirement examples:

https://www.youtube.com/

📅 Book an initial call with us:

https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

31/07/2026

What a fantastic way to celebrate 10 years of Clarity Wealth Limited!

Yesterday, we welcomed our clients for a brilliant day of golf followed by a summer BBQ at our offices.

Thank you so much to everyone who joined us and helped make the day so special. It was wonderful to spend time together in a relaxed setting, celebrate everything we have achieved over the last decade and share some of our exciting plans for the future.

Our clients have always been at the heart of CWL, and we are incredibly grateful for the trust and support they have shown us over the years.

A huge thank you must also go to our entire team. Their hard work, commitment and genuine care for our clients make CWL such an enjoyable and rewarding place to work.

We are very proud of how far we have come, but we are even more excited about what lies ahead.

Thank you to everyone who has been part of our journey so far. Here’s to the next ten years!

29/07/2026

🚨 A retirement plan should never be “set and forget”.

Markets change 📉
Spending changes 💷
Life changes 🔄

A strong retirement plan should be reviewed regularly and adapted where necessary — whether that means changing spending, improving tax efficiency, holding more emergency cash or introducing sensible spending guardrails. 🧭

Are you approaching retirement and concerned that your current plan may not answer the important questions? 🤔

💷 Is your planned spending sustainable?
📉 Could your finances cope with poor investment returns?
🧾 Are you withdrawing money tax efficiently?
🏥 Have you allowed for unexpected costs or future care?

🎥 Watch the full video here:
https://youtu.be/YSZmRt4ZJbM

📞 Book an initial call with us to explore whether financial planning could give you greater clarity and confidence:

https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

This post is for general information only and does not constitute personal financial advice.

23/07/2026

£1 million at age 60 — how much could you actually spend? 🤔💷

Would you:

🛡️ Play safe on £40,000 a year?

🏖️ Spend £80,000 while you are younger and more active?

⚖️ Or spend more during the early years, then reduce it later?

In our latest video, I test all three using retirement cash-flow planning. 📊

The results show why the amount you spend is only part of the equation.

When you spend it can matter just as much.

🎥 Watch the full video:

https://youtu.be/YSZmRt4ZJbM

What would you choose?

PLAY SAFE
SPEND EARLY
SPLIT THE DIFFERENCE

If you are approaching retirement and want to understand your own position, you can book an initial call here:

https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

Share this with someone who is starting to think seriously about retirement.

If you had a £1 million retirement pot at age 60, how much could yo...

10/07/2026

What if your retirement plan says you can afford to stop working — but you still don’t feel confident enough to do it? 🤔

This is a really common situation for people approaching retirement.

You may have built up a strong pension, ISA or investment portfolio, but still feel unsure about:

✅ How much you can safely spend

✅ Whether you can retire earlier

✅ Whether you can help children or grandchildren

✅ What happens if markets fall at the wrong time

✅ How tax could affect your retirement income

✅ Whether your money could last for life

This is where proper financial planning can make a real difference.

📊 Cash flow planning is not about predicting the future perfectly.

🧭 Good retirement planning should not just help you accumulate money.

💡 It should help you understand how to use it properly.

🏡 It should help support the life you want.

I’ve covered this in more detail in a full video, using a practical retirement planning example.
https://www.youtube.com/watch?v=7Yzk59eWB8A&t=8s

09/07/2026

👏 A huge thank you to everyone who attended our Graduate Assessment Day this week!

It was brilliant to meet so many talented graduates who are passionate about building a career in financial planning. 🌟

A special shout-out to Oliver Larking, Oliver Fox and John Mount for delivering fantastic presentations and sharing their experiences. The Olivers gave a great insight into life during your first year at Clarity Wealth, while John explained the exciting long-term career opportunities available. 📚🚀

We're incredibly proud of our team and grateful to everyone who invested their time with us. We certainly have some tough decisions ahead!

Good luck to all the graduates—we'll be in touch soon! 👏💙

08/07/2026

🎉 We’re delighted to welcome Tom Chippendale to Clarity Wealth Limited.

Tom joins us as part of our continued growth and brings with him a real passion for helping clients make confident, informed decisions about their financial future.

What stood out to us about Tom was his commitment to doing things properly — putting clients first, building long-term relationships, and delivering advice that is thoughtful, personal and outcome-focused. 👏

At Clarity Wealth, we believe in independent advice, evidence-based investment research, detailed financial planning and long-term client care — and Tom’s values fit perfectly with that approach.

Welcome to the team, Tom. It’s great to have you with us. 🚀

30/06/2026

💷 Can a couple retire at 60 with £750,000 and spend £60,000 a year?

In our latest video, Richard Platt uses retirement cash-flow modelling to compare three very different plans:

1️⃣ Spending £60,000 every year until age 100
2️⃣ Spending or gifting £187,500 immediately
3️⃣ Spending £75,000 a year in the early retirement years, then reducing it later

Same couple.

Same £750,000.

Very different outcomes. 📊

Because retirement is rarely predictable.

🏖️ Spending changes
📈 Markets change
💷 Tax rules change
👨‍👩‍👧‍👦 Family circumstances change

And “hopefully it will be enough” is not the most reassuring retirement strategy. 😅

🎥 Watch the full video here:

https://www.youtube.com/watch?v=7Yzk59eWB8A

For more information about retirement planning, visit Clarity Wealth Limited:

https://claritywealth.co.uk/

17/06/2026

The biggest retirement regret I often see is not poor investment performance.

It is spending decades building wealth, then feeling too anxious to enjoy it 😟

A proper retirement plan can help you understand:

💷 where your income comes from
⏳ how long it may last
📈 how inflation affects things
🏖️ what you can afford to enjoy

🎥 Watch the short video and subscribe to our YouTube channel here:

https://www.youtube.com/

12/06/2026

🏖️ Can you have enough money to retire…

but still feel too scared to spend it? 😬

Absolutely.

After decades of saving, investing and being sensible with money, it can feel surprisingly hard to actually enjoy the wealth you’ve built.

💷 Worrying about running out
🏝️ Delaying holidays
👨‍👩‍👧‍👦 Hesitating to help family
📈 Checking the pension pot
😟 Feeling guilty spending

In our latest video, Richard Platt explains one of the biggest retirement regrets he sees:

Preparing financially for retirement, but never feeling confident enough to enjoy it.

🎥 Watch here:

https://youtu.be/_GTQxOlKGzM