Gavin Clark
Principal Partner

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My profile

I am now in my fifth decade of helping clients achieve their financial objectives and aspirations. Although based in the UK, my work has taken me to countries all over the world where my overriding principle remains the same, to “help clients who take their finances seriously”.

Lisa, my Office Manager, also has extensive financial services experience, both in the UK and overseas, which she has built up over the last eighteen years.

Additional members of my direct team include Karen Clark, Practice Assistant, along with Sue Mold and Emma Tresadern, all who excel in their roles as Business Administrators.

My partnership in Essex has a combined experience of over 100 years specialising in Consultative Private Client Wealth Management. We educate and motivate clients, all of whom have been referred to us from other clients, both on a personal, financial and professional basis to put themselves in control of their financial journey. Our combined knowledge and experience enhances the service offered to both new and existing clients alike.

Our goal is to build a long-term, pro-active, and professional relationship with you, to help secure the financial future you desire. To enable you to make informed decisions which will help to improve your current financial position and increase your net worth.

Full “Holistic” Financial Planning, to put you in control of your finances, is at the heart of our service and we have the knowledge and experience to help you in the following areas:

  • Current Financial Position  how you can make the most of your income and current savings.
  • Pre and post Retirement Planning  putting a retirement plan in place to help you achieve the lifestyle you desire. After you retire, we can also help you to consider all options available, which is ever more important with constantly changing legislation.
  • Investment (regular and capital) – advising you on how to invest to help maximise income and/or growth. Including the utilisation of dynamic portfolios and ESG investing where applicable.
  • Protection Planning  helping you to protect your lifestyle and/or your family in the event of unexpected circumstances.
  • Mortgage Planning  be it residential, buy to let or lifetime mortgages, we recommend our clients to our specialist mortgage division to provide mortgage advice to meet your specific needs.
  • Tax Planning  providing you with advice on how to invest in a tax efficient manner.
  • Long Term Care Planning  both in advance of and during residency. This can include equity release planning as well as savings and investment management both for the potential resident/resident during their lifetime and/or for those caring for or associated with the potential resident e.g., through Lasting Powers of Attorney or similar.
  • Bloodline and Inheritance Planning  helping you to pass your wealth onto your family or alternate beneficiary in a smooth and tax efficient way.

We want to help you to make informed decisions aimed to improve your current financial position and alleviate any financial concerns you may have. We believe it is important to not only build wealth and protect it today but to enjoy and maintain it over the years ahead. For many people, it is also about making sure you can pass your wealth onto your loved ones through effective estate and bloodline planning.

Our four-stage process has been designed to help you clearly see the value we add, and how we can help you achieve your financial goals and objectives over the years ahead.

  • Discovery: where you are currently, aligned with your goals and objectives. The aim is to understand what is important to you and identify how we could help you to achieve your goals, taking into consideration your experience, your timeline and your attitude to risk.
  • Strategy: working together and looking ahead, I will work with you to create a bespoke plan to help you to achieve your financial goals and aspirations. We will typically create your bespoke plan using our sophisticated cash-flow forecasting and stochastic modelling tools, which gives you an insight into not only how your finances look today but, most importantly, how you can plan now to reflect the future you desire.
  • Recommendation & Implementation: having researched the market we make suitable recommendations designed to meet your needs and objectives.
  • Review: to monitor, adapt and evolve as you, your circumstances, and the world around you changes, whilst ensuring that you and your plan stay up to date.

Your home or property may be repossessed if you do not keep up repayments on your mortgage. A separate fee is chargeable by the respective mortgage adviser which will depend on the amount you are looking to borrow, your requirements and circumstances. The typical fee is £795 which will be discussed and agreed with you before any advice is provided. In addition, the adviser may also receive commission from the lender. The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages. The Financial Conduct Authority does not regulate taxation advice and school fees planning.

Gavin Clark – Partner
Certs CII (MP & ER)

We are here to help and invite you to contact us today to arrange your non-obligatory Discovery Meeting which is held at no cost to you.

Ground Floor, Canterbury Cottage, Main Road, Margaretting, Ingatestone, Essex CM4 0EE

Telephone: +44 (0) 1277 35 33 35

Gavin Clark – Principal Partner

Email: gavin.clark@fosterdenovo.com
Mobile: 07850 315 099

Lisa Scott – Office Manager

Email: lisa.scott@fosterdenovo.com
Mobile: 07719 145 000

Karen Clark – Practice Assistant

Email: karen.clark@fosterdenovo.com

Susan Mold – Senior Business Administrator

Email: sue.mold@fosterdenovo.com

Emma Tresadern – Business Administrator

Email: emma.tresadern@fosterdenovo.com

Gavin and his entire team have surpassed any and all expectations as our Financial Advisors. We were looking for advice with finances and investing but since the very first meet with Gavin one evening round our kitchen table, we knew we could trust him with so much more! We are now working with them across our finances, our wills, protection plans, pensions, business accounts and now the purchase of our new home; a daunting task that they have made a million percent easier! Their customer service is unparalleled; from friendly phone calls to home visits they always go above and beyond.

John-Paul & Brittany
Money Broker & Business Owner

Gavin was originally recommended to us to provide advice to both our elderly parents. After being impressed with his approach, we needed to engage Gavin’s services due to a change in employment status and our financial circumstances. It’s fair to say we were probably drifting along to that point but since the initial meeting we have a clear plan and set of objectives we are working to. Things are always presented in a clear and easy to understand manner and when we have our regular check points with Gavin and we find his approach both personable and highly professional.

Mark & Dawn
Company Directors

Gavin and Lisa have been working with us for a year. Throughout the whole experience they have always been professional and helpful. Always on hand to answer any questions we have and always full of advice. Our understanding of how we have been managing our finances and how we should be managing our finances has changed dramatically- we actually feel like we now know what we are doing. Gavin is clear and has always taken the time to ensure we understand what he is talking about- as well as why he is recommending this or why that needs to be changed. At the start we were a little unsure of how useful financial planning would be, but we now feel we are clear on how we can reach our ambitions and dreams for the future. We thoroughly recommend!

Gavin & Amy
Restaurant Manager & Teacher

We have dealt with Gavin for many years with regards to our Wealth Management. The quality of the customer service he and his staff provide is excellent. He understands our needs, requirements and concerns and now especially regarding our retirement plans. These are discussed and reviewed which helps us to make an informed decision on the way forward. If we have any queries on our portfolio then Gavin responds in a quick friendly fashion. (Nothing is too much trouble for him and the staff).

We would have no hesitation in recommending Gavin & his team to anyone.

John & Hazel

Gavin & his team have played an integral role in building my personal financial well-being and have always been available to answer questions and do the legwork and research to make sure that my investments are on track with my needs, and that I have an understanding of where my finances are headed. They are an advising company I can trust to make wise recommendations based on wherever I’m at in my savings goals, and they take the time to explain transactions in layman’s terms.

I now feel in control of my future, whatever that may be, and that any changes to my circumstances are  assessed promptly and effectively, with clear options presented and long term impacts explained. This is an essential quality for any company advising independent consultants.


Independent Consultant

For the past 7 years Gavin and his team have provided us with a truly exceptional standard of financial advice and guidance coupled with the highest standards of client service. His knowledge and expertise have played an instrumental role in shaping our financial planning, enabling us to gain a clear understanding of often complex investment options and the legal & regulatory landscape in order for us to make informed decisions with confidence. His pro-active approach to client management is faultless – always available to either provide a point of view or to play an active role in making things happen.  In short what he brings is invaluable and we would not hesitate for a second in recommending him to others.

Ash & Laura
Managing Director & Business Owner

I connected with Foster Denovo in early 2015. They took a lot of time to understand my financial needs as I prepare (longingly) for retirement; as well as my attitude to risk. The result is a portfolio of investments which will aim to bring a steady return over the years, so I can carefully plan for the period age 60 onwards. I’ve received excellent initial and ongoing reports, which make me much more confident about my finances and financial planning. I would strongly recommend them!

Senior Management

The Financial Conduct Authority does not regulate taxation and trust advice.

The value of your investment can go down as well as up and you may not get back the full amount invested.

A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Pension income could also be affected by interest rates at the time benefits are taken. The tax treatment of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation, which are subject to change in the future.

Foster Denovo Limited is authorised and regulated by the Financial Conduct Authority.