Ben Clapham

Profile Summary

I have worked in the Financial Services industry since 2008 and am a Diploma-qualified Financial Planner as well as a member of the Chartered Insurance Institute. I am passionate about helping individuals, families, and business owners with their financial planning. My approach is to take a truly holistic view of your financial situation, understanding where you currently are and what you want to achieve in the future. Working together, I ensure you are financially well-organised by using sophisticated cashflow modelling software. This allows me to create detailed lifetime financial plans that bring your financial future to life. With cashflow modelling and forecasting, we can incorporate key events into your plan, helping you see whether you are on track to meet your goals—whether that’s retiring early, helping your children buy their first home, purchasing a holiday property, or passing on your estate in the most tax-efficient way. My areas of expertise include: Pre- and post-retirement planning Pension planning Tax planning Creation and protection of wealth Savings and investments Insurance and protection Inheritance tax planning Estate planning Long-term care planning Business owner tax planning and protection I work with business owners, entrepreneurs, and the self-employed, offering a wide range of financial advice and planning services. These include group pension schemes, group protection solutions, salary sacrifice setup and management, employee benefits packages, and financial wellbeing services. I provide expert financial solutions and services, whether it’s saving for your first home, protecting your family’s inheritance in later life, or anything in between. Outside of work, I enjoy spending time with family and friends, keeping fit, and following the highs—and often the lows—of my team, Bradford City.

Investment & Financial Services Offered

Who Ben Clapham Works With

I work primarily with business owners, entrepreneurs, the self-employed, and high-earning professionals. My clients are often focused on building, protecting, and transferring wealth efficiently, as well as planning for key life events such as retirement, purchasing property, or funding their children’s future. I also work with families seeking long-term financial security, tax-efficient strategies, and holistic planning that spans multiple generations.

Investment Philosophy & Approach

I take a holistic and long-term approach to investing. My philosophy is centred on understanding your goals, risk tolerance, and time horizon, and then constructing a diversified portfolio designed to meet those objectives. I focus on disciplined, evidence-based strategies and use cashflow modelling to ensure investments align with your broader financial plan. My aim is to help clients grow and protect their wealth while remaining adaptable to life’s changes, market movements, and evolving personal circumstances.

Fees & Charging Structure

Initial advice and implementation fees are agreed upfront, usually as a percentage of assets or a fixed fee. Ongoing management of your portfolio is typically 1% per year. Payment options are flexible and always transparent. My mission is simple: to enhance your financial life with clear, expert advice and help you achieve your long-term goals.

Areas Served

Willing to travel to meet clients up to 25 miles from WC1A 2BA.

Frequently Asked Questions