After a remarkable career spanning more than four decades, it’s time to celebrate Clive Kingsbury as he steps into retirement, a milestone that feels perfectly apt for someone who has dedicated so much of his life to helping others plan theirs.

Clive joined Innes Reid in 2020, bringing with him a wealth of experience and a genuine passion for retirement planning. As a Fellow of the Personal Finance Society and Chartered Financial Planner, Clive has guided countless clients through some of the most important financial decisions of their lives. His relaxed, engaging manner, combined with his deep expertise, meant clients could always feel confident that their plans were in safe hands. For Clive, planning was never just about numbers it was about people, their dreams, and the reassurance of knowing their future was secure.

Starting his career at Bradford and Bingley in Leeds 1982, Clive enjoyed an outstanding career across the financial services industry. At Close Brothers Asset Management, he served as Regional Director for Northern England and Scotland. Earlier still, he played a pivotal rote at Nelson Money Managers, Clive progressed from Financial Planner to Regional Manager and Sales Director, shaping the business and supporting clients as they navigated major life transitions.

Educated at Liverpool Bluecoat School and the University of Kent, and holding both the Chartered Financial Planner designation and the Diploma in Financial Planning, Clive has always embodied the highest professional standards our industry aspires to.

Clive’s career has been remarkable not just for its length, but for the impact he’s had on the lives of those he’s advised. It’s wonderfully fitting that someone who has spent so many years helping others reach their retirement goals now has the opportunity to enjoy his own retirement to the fullest.

From all of us at Innes Reid, thank you, Clive for your wisdom, your guidance, and your unwavering dedication to our clients and colleagues. We hope your retirement is every bit as rewarding, exciting, and well-planned as the futures you’ve helped so many others achieve.

Here’s to long walks, new adventures, and plenty of time to enjoy all the things you’ve worked so hard to plan for!

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Personal financial advice can help you navigate these events without sacrificing your economic stability and growth, making sure your decisions are informed, sustainable, and consistent with your overall goals.

So, do you need a financial adviser? Here are 5 big milestone events when personal financial advice could benefit your life.

Retirement

We all dream of retirement goals. You may have a desire to travel the globe or finally purchase a holiday home in Anglesey . But, how do you make your lifelong goals a reality and plan for a long retirement so your finances continue to support you no matter what?

As Independent Financial Advisers it is our role to understand your lifelong goals and help you to achieve them get you there with a plan that is robust, stress-tested and tailored to an ever-changing life. We can help to resolve your concerns about retirement and ensure you have financial security at the point of retirement and into the years that follow. Helping to instil a greater confidence in your pension and plans.

And, if you are nearing retirement or lacking in confidence our specialist pension financial advisers can help you make the right decisions to maximise the income from your pension pot.

Meet Peter and Sarah, they needed the reassurance they could retire together and chose to seek personal financial advice in Chester to achieve their goals with confidence.

Leaving a Legacy

It isn’t always easy to discuss what you would like to happen to your wealth after death. You may have concerns about your wealth and taking financial care of your family. We have specialist Trust and tax knowledge to guide you through this complex area of Inheritance Tax and gifting to ensure you have full confidence that your loved ones will benefit from your hard work and legacy.

With more and more family’s being caught out by Inheritance tax, professional financial planning will give you guidance for preparing to pass on your wealth and the peace of mind that your inheritance tax liabilities on your estate are reduced where possible.

Buying a home

Buying a house is a significate milestone. It can be a long, complex process but it’s not just about being able to afford the purchase costs, it’s also about being ready for the impact of this purchase (particularly the mortgage) on other aspects of your life.

A financial adviser will listen to your concerns and help you to plan ahead for your future. We create a personal roadmap to show how you we can navigate and support your plans.

We ensure that your mortgage is arranged through the most suitable structure for your requirements and on the most competitive terms available in the market place. With a financial adviser in your corner you can also minimise the time taken and paperwork needed to achieve your mortgage offer too.

Divorce

Going through a divorce or considering a separation can be one of the most emotionally challenging journeys you may ever experience. We will support you and offer guidance in rebuilding your personal financial plans after a divorce or dissolution of a civil partnership.

A pension can be a couples most valuable asset. It is important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership. Getting the right independent financial advice and support is crucial to help you reach the best possible financial settlement to protect you and your family.

If you are going through a divorce take a look at our Four Tips For your Pension in Divorce.

Making an investment

You may be considering investing your money for your long-term financial future. A financial adviser will not only give you personal tailored advice on where and how to invest your wealth but they can also help you to create an investment strategy that you are comfortable with.

Our wealth management advice supports risk management, asset allocation, tax efficiency and investment selection. Our financial advisers work with you to keep track of your investment performance and keep an expert eye on the market as well as reacting to your own personal circumstances and implementing any changes quickly and efficiently to look after you and your financial future.

Everyone has a different financial story. That’s why we are so proud when our clients tell us how our support and impartial financial advice over the years has helped to improve their quality of life and peace of mind. If you are approaching one or more of the “5 Milestones When You Need a Financial Adviser” and would like to know more about how a financial adviser can help please get in touch.

We provide a free, no obligation initial consultation. It is an opportunity for you to find out more and see if independent financial advice is for you. Call 01244 347 583 or complete the contact form here and we will call you straight back.

This article is not personal advice. If you are unsure what is right for you, please seek personal financial advice.

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The top-rated financial adviser guide, featured in The Times, highlights those companies who are committed to transparency and delivering a great client experience.

Communication is key to our impact and the value we add to clients lives. Our clients are regularly invited to openly review their service, it goes hand in hand with our planning. During our recent client experience survey, we asked clients to rate our how approachable, trustworthy and secure they felt with Innes Reid. Our results were 98% and above!

You can access the full client experience survey results here>

We encourage our clients to be open and engaged with us and their financial journey. It gives a strong sense of security especially during turbulent times. The reassurance that comes from having an expert-backed-plan in place for your family’s finances can boost your well-being and ease anxiety.

“He immediately put me at ease, and explained things in a simple manner,
without using lots of jargon.” VouchedFor review – 2021

“Mark was immediately impressive with his knowledge and enthusiasm
and his patience with me” VouchedFor review – 2021

Read more reviews here >

Mark Reidford comments on receiving the 2022 top rated financial adviser status. “Financial planning should never be one size fits all. Life invariably changes, we tailor our advice to keep personal finances on track with ever changing needs. Our communication continues throughout a client’s journey. I’m absolutely delighted to be recognised in this years guide, it again solidifies the impact we have as a team and the benefits of truly independent advice.”

If you are new to financial planning or concerned about your retirement planning, take time to read our client reviews. VouchedFor and Reviews.io are a great place to start. All reviews are verified and completed by genuine clients.

“Genuinely holistic advice provided to me and my wife taking into
account our entire family/financial circumstances. Interested in what
we wanted to achieve and very proactive.”  VouchedFor review – 2022

Our client stories provide an insight into real life journeys that may be similar to your own. Take a look at how Independent Financial Advice improved their outlook and confidence to enjoy life.

If you are ready to start your journey, contact our team to request a free consultation with no obligation to join us. Call 01244 347 583 or complete the Book A Meeting request here, and we’ll show you why we are 2022 Top Rated Financial Advisers for 4 years running!

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