Clarity Independent Financial Advisers Limited

Reference number: 453293

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When clarityifa.com first appeared online, and whether it can receive email
  • What kind of line 0131 661 2777 is, and the other firm that gives it
  • Who else gives the postcode EH7 6PX
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Clarity Independant Financial Advisers Ltd Former name
  • Clarity Independant Financial Advisors Ltd Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
SC302467
Company status
Active
Company type
Private limited company
Incorporated
17 May 2006 (20 years old)
Registered office
2 Craigentinny Avenue, Edinburgh, Midlothian, EH7 6PX, Scotland
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Max Christie Director Nov 1971 17 May 2006 4 other companies
Susan Christie Secretary Not published 17 Feb 2010 –

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
4
closed down
3
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£895k

+20% from £748k

Employees (average)

1

−89% from 9

Owed within a year

£1,109

−99% from £113k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC302467. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Clarity Independent Financial Advisers’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2025

8 January 2025

  • Changed its registered name from "Clarity Independant Financial Advisers Ltd"
  • Changed its registered name from "Clarity Independant Financial Advisors Ltd"

FCA register

2016

6 April 2016

  • Max Christie became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

1 November 2006

  • Became authorised by the FCA

FCA register

31 October 2006

  • Regulated by the Financial Services Authority from this date

FCA register

17 May 2006

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Clarity Independent Financial Advisers

Other FCA-listed firms that share a director, phone number or address with Clarity Independent Financial Advisers. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Clarity Independent Financial Advisers

Other firms of the same type (financial adviser), nearest first.

In Edinburgh

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Clarity Independent Financial Advisers

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clarity Independent Financial Advisers Limited FCA authorised?
Yes, Clarity Independent Financial Advisers Limited (FRN 453293) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Clarity Independent Financial Advisers’ phone number and website?
The FCA register lists the phone number 0131 661 2777 and the website clarityifa.com for Clarity Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Clarity Independent Financial Advisers a scam or clone?
Clarity Independent Financial Advisers is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Clarity Independent Financial Advisers?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Clarity Independent Financial Advisers to the Financial Ombudsman Service, free of charge.
Who owns Clarity Independent Financial Advisers?
Companies House lists one person with significant control of Clarity Independent Financial Advisers: Mr Max Christie (50–75% of shares).
Who runs Clarity Independent Financial Advisers?
Companies House lists one director of Clarity Independent Financial Advisers: Max Christie.
How long has Clarity Independent Financial Advisers been in business?
The company was formed on 17 May 2006, and has held its current FCA authorisation since November 2006.
What do Clarity Independent Financial Advisers’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £895k (+20% from £748k).
Does Clarity Independent Financial Advisers use any other names?
It has previously used 2 other names: Clarity Independant Financial Advisers Ltd and Clarity Independant Financial Advisors Ltd.

Sources and links

The full report on Clarity Independent Financial Advisers Limited

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