Tim Norgate
Managing Director
tim.norgate@thecleargroup.com
0208 329 4922
Tim joined Clear Financial Management in 2002 and with his appointment as Managing Director he has been pivotal in transforming Clear from a “lifestyle” financial advisory practice offering a limited range of services to clients to a specialist practice of highly qualified individuals all of whom have client service at the core of philosophy.
Tim has been foremost in the initiative to encourage all of the financial services team to gain meaningful qualifications to assist them in their client work. This has reinforced the strong team ethos and enabled Clear Financial Management to make the transition from a transactional firm to client focussed specialist.
Tim has worked in Financial Services for more than 30 years, during which time he has gained numerous qualifications all of which not only added to his knowledge and experience but have enabled him to give his clients the best possible professional advice.
“My focus has always been to provide my clients with holistic financial planning specialising in pensions, investments and tax planning. Increasing my knowledge has always been paramount and to that end I am currently studying the Diploma in Financial Planning. I am convinced clients benefit from the increased technical knowledge gained from such qualifications, something Clear place at the core of their business.”
Tim specialises in two areas of expertise, helping clients with their retirement planning and helping clients with their investments to assist tax planning. Both of these areas are considered to be complex areas of advice and can be confusing, with a myriad of options available to clients such as pension income drawdown, phased retirement, discretionary trusts and even venture capital trusts for those clients who are not risk adverse. Whilst challenging fields to specialise in, Tim finds them rewarding and a good use of the knowledge he has built up over the years.
As part of Tim’s responsibilities he acts as Chair for the Clear Investment Committee. Set up to provide client focused investment analysis the committee researches and recommends investment portfolio holdings for our clients. Meeting on a quarterly basis to discuss our findings Tim holds ultimate responsibility is to ensure that our investment portfolio recommendations are suited to our clients.
Tim is a Member of the Chartered Insurance Institute and the Personal Finance Society. A keen advocate of the use of technology (although not always able to understand how it works!) Tim is keen to introduce technology within the business that will provide clients with up to the minute valuations an meaningful investment performance data whilst striving to ensure that clients are not bombarded by confusing and mystifying literature for the sake of it.
Tim continues to study, seeing this as a means to reinforce knowledge held and develop personally.
Whilst no longer active on the sports field himself Tim is a very keen London Irish supporter and continues to subject himself to long distance cycles in the guise of raising money for charity – watch this space for his next epic voyage!
Qualifications :
Certificate in Financial Planning (CII)
Paper 1 - Financial Planning Certificate (CII)
Paper 2 - Financial Planning Certificate (CII)
Paper 3 - Financial Planning Certificate (CII)
Paper J05 - Diploma in Retirement Planning (CII) - Distinction
Paper J04 - Diploma In Pension Funding Options (CII)