Welcome — I’m Clive Barwell, Later Life Advice Specialist
After more than five decades in regulated financial services, I’m beginning a new chapter. This website brings together the knowledge, experience, and insight I’ve gained since 1971, making it accessible to clients, families, and fellow professionals who need practical, trustworthy guidance at some of life’s most important moments.
Qualifications You Can Rely On
I remain a fully regulated Independent Financial Adviser and have been accredited by the Society of Later Life Advisers (SOLLA) since 2010. I am a Registered Trust & Estate Practitioner and I also hold both Certified and Chartered status with the Chartered Institute for Securities & Investments — professional standards that reflect my long-standing commitment to doing things properly.
Why I Focus on Later Life Legal and Financial Issues
My aim now is simple: to emulate the BBC’s Rip-off Britain approach by tackling the issues that really matter. Not holidays or food — but Probate, Wills, Trusts, Lasting Powers of Attorney, and broader estate and financial planning.
The Legal Ombudsman has highlighted persistent problems in the wills and probate market, including poor-quality documents, unclear services, delays, and unexpected costs. Throughout my career I’ve seen the real-world consequences of bad advice: inaccurate or incomplete Wills, missed planning opportunities, and even a case where Inheritance Tax was paid when none should have been.
My goal is to help you avoid those pitfalls by providing clear, practical, professional guidance.
Straightforward, Fairly-Priced Advice
I’m not offering a charitable service — but I do charge fees that realistically reflect the work involved, and I follow the STEP (Society of Trust & Estate Practitioners) Code of Professional Conduct. You’ll know exactly what you’re paying for and why.
How I Can Help
I provide specialist support in the following areas:
- Probate
- Wills
- Trusts
- Lasting Powers of Attorney
- Estate Planning
- Financial Planning
- Care Fees Advice
Each section of this site includes guides, explanations, and resources to help you understand your options before you make any decisions. Here are links to my Terms of Business and Privacy Notice.
Let’s Talk
If you think I may be able to help, you’re welcome to contact me by phone, WhatsApp, email, or through this online enquiry form. Your initial consultation is at your convenience, at my expense, and without obligation.