Financial Adviser DipPFS in Hertfordshire
If you’re juggling pressure between work, family and finances, I’ll help you cut through the noise with a plain-English plan you can trust. I specialise in retirement planning (pensions and investments), cash flow-based budgeting and forecasting, family protection and getting first-time investors started. I turn complexity into clear, actionable steps so you can live well today and feel confident about tomorrow.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, but there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Expert advice to help provide comfort in your retirement.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Hertfordshire
Bedfordshire
London
United Kingdom
Dr Claire McCafferty lives in Hertfordshire and offers expert financial advice to suit your needs.
Do you ever feel like you’re constantly catching up, juggling a career or business, a mortgage, childcare or ageing parents, and you’re not sure your pension and investments are really on track? You’re not alone. I work with individuals, families and business owners who want a straightforward plan that fits real life. With a combined 20+ years in banking and education, I’m used to turning complex information into step-by-step decisions. My advice is plain-English and practical: together we’ll build a clear, actionable plan so you can live well today without worrying about tomorrow.
Outside of work I'm a mum to two active boys, aged 9 and 6, and a governor at the local FE college. I am a passionate advocate for inclusive and accessible education and financial advice. I believe that financial literacy and educational confidence are the foundations of both personal fulfilment and long-term success. My goal is always the same: give you the clarity and tools you need to take control of your future.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.
