Human-first paraplanning
for a digital world.
The Clear Path Approach
Clear Path is a paraplanning service built for small lifestyle financial planning businesses who need long-term support from someone who shares their ethos.
If you’re a planning-first business, and you want to spend more time on the client relationship than the ‘plumbing’, we can help. We believe in holistic, life-centred financial planning, and we know it takes time to do it well. Our role is to turn your client file into the finished article. Good advice, meticulously researched, delivered in plain-English.
This is paraplanning support with human understanding, real intelligence and experience, and considered communication. All delivered by a CFP qualified paraplanner.
We want you to see us as an extension of your business. We want to get to know you, your business and your clients. A true collaborative partnership. 25+ years of knowledge and experience at a fraction of the cost of employing someone.
What we can do for you
Annual Review delivery
We can brief you for any topics you want to be prepared for in your annual review meetings, update your client’s cashflow model, as well as handling the post-meeting reporting.
NHS Pension
A particular specialism. With over 10 years experience helping NHS Pension scheme members, we can help your clients untangle their options, understand their tax position, and get clearer on their retirement choices.
Technical support and research
You don’t know what you don’t know. If you need a second opinion on anything, worry you’re missing something, or just want us to do the legwork, just ask.
Ongoing servicing
Nothing is off the table, we help with year-round servicing, it doesn’t stop when your annual review is taken care of. Client queries, suitability letters, income and tax planning, ad hoc meeting preparation, IHT calculations and estate planning, it can all be part of the package.
Template redesign
Your reports and suitability letters need to be shorter, clearer and to the point. That’s not just us saying that, it’s the FCA. They’re for your client, not your compliance team. Improved written communication doesn’t just benefit your client, it benefits your business. It improves trust. If you think your templates could do with a bit of a refresh, get in touch.
New client plans
We’re skilled in delivering new client financial plans from scratch, so if you’ve hit a dead end, or just want to outsource the whole thing, just let us know.
Client mailings / blogs
Is there something topical that you want to write to your clients about? Let us know and we can research and prepare it for you.
Website copy or client facing documents
For example, retirement guides, pension income options, a guide to investing. Anything you have in mind, just ask.
What we don’t do
Platform or investment due diligence
There are businesses that do offer this, but we expect that anyone engaging with us is already confident of their platform and investment offering.
Defined benefit pension transfers
We do know businesses that offer this, so feel free to ask if you need a referral.
Submit authority letters
We are happy to chase providers for missing information, but obtaining authority to request the initial information remains your responsibility.
Submit applications
We’ll do everything we can to make this as simple as possible, but we’re not responsible for the final submission.
Update your back office
Part of your responsibility is maintaining your back office and sending good quality file notes. We’ll return good quality case files and research notes to you, but spending time updating your back office would take away from the value adding parts of our service.
We don’t employ a financial planning administrator, but we can refer you to a trusted outsourced administrator if this is something you need.