Clearwater Wealth Management LLP is a Chartered Financial Planning practice dedicated to providing the highest quality of care to its clients. We provide a fee based, relationship driven service and we often work with our clients and possibly their children over many years. The focus at Clearwater is on empowering our clients to make life altering decisions, secure in the knowledge that they will NEVER run out of money WHATEVER happens. This is achieved through the construction of lifelong 'Cash Flow' forecasts which enable our clients to look into the future to see where they are headed financially. These Cash Flows are constructed live at client meetings and are pojected onto a large screen at our offices - as they say 'a picture paints a thousand words'! Any number of 'What-if' scenarios can be considered and changes made to the Financial Plan if required. At our review meetings we are able to explore the different outcomes that can be expected from different courses of action. We are also able to test the plan's tolerances to higher or lower rates of inflation or investment growth - will our clients still be able to meet their objectives? We also consider how the family finances would be affected by a catastrophe, such as death or disability. In addition to the above Clearwater has a very clear investment philosophy which enables us to provide consistent, risk related experiences for our clients. More details are available on request.