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Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.Read More
There are events we can all face that have the potential to wreck lives and families. It’s a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you – we hope it doesn’t – but it might.Read More
Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.Read More
Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk. With that in mind we can help you take the right steps to protect your people and your business.Read More
Mortgages are loans which are intended to help buyers purchase residential property. When you take out a loan, the lender charges interest: the same is true of a mortgage. A mortgage is a ‘secured’ loan, which means that the loan is secured against the property being purchased until the mortgage is paid off.Read More
If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. It is advised that you seek Independent Legal advice before entering into a legally binding equity release contract.Read More
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.Read More
Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.Read More
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Please note this does not constitute advice and
the figures shown are purely a guide and may fluctuate.

Stock Market Data on 19/10/2021

LONDON STOCK EXCHANGE

Index	Last Trade	Move	%
FTSE 100	7217.53	13.699707	0.19017254
FTSE ALL-SHARE	4119.18	9.010254	0.21921852
FTSE MID 250	23054.09	85.34961	0.37159032
FTSE 350	4136.42	9.1796875	0.22241709

NEW YORK STOCK EXCHANGE

Index	Last Trade	Move	%
Nasdaq	15129.09	107.28027	0.7141634

Stock Market data is compiled every 15 minutes. Information is not realtime.

Top 5 Movers on 11/08/2021

Biggest Gains

FTSE 100

Index	Last Trade	Move	%
Sainsbury (J)	302.5	+8.6	+2.93%
Centrica	58.86	+1.28	+2.22%
Hammerson	33.05	+0.71	+2.2%
WPP	987.6	+19.6	+2.02%
Imperial Brands	1557.0	+30.5	+2%

Biggest Losses

FTSE 100

Index	Last Trade	Move	%
Rio Tinto	5010.0	-209	-4%
Anglo American	2826.0	-116.5	-3.96%
Barclays	171.86	-6.96	-3.89%
Royal Bank of Scotland Group	116.9000	-4	-3.31%
International Consolidated Airlns Group	167.72	-5.28	-3.05%

Share Price Moves are taken from the FTSE-100. Stock Market data is compiled every 15 minutes. Information is not realtime. The value of investments and income from them can go down. You may not get back the original amount invested.

Currencies on 19/10/2021

EUROPE

Index	GBP-1	%
GBP/EUR	1.18526	0.2842908
GBP/NOK	11.51698	-0.23146865
GBP/SEK	11.88547	0.06752629
GBP/CHF	1.27281	0.36746526

ASIA PACIFIC

Index	GBP-1	%
GBP/AUD	1.84488	-0.34840125
GBP/HKD	10.722	0.42146742
GBP/NZD	1.8782	-0.03%

AMERICA

Index	GBP-1	%
GBP/USD	1.3793103	0.48137537
GBP/CAD	1.70582	0.4055458

Currency Market data is compiled every 15 minutes. Information is not realtime. Change in the rates of exchange between currencies may cause your investment and any income from it to fluctuate in value.

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Clearwater Financial Planning Ltd
56 Fore Street
Kingsbridge
Devon
TQ7 1NY
T: 01548 856096
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Tax Planning is not regulated by the Financial Conduct Authority.

Clearwater Financial Planning Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register) under reference 440703 and 440718.

Clearwater Financial Planning is registered in England and Wales, No. 05764001. Registered Office: 56 Fore Street, Kingsbridge, Devon, TQ7 1NY.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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