Clarity Independent Wealth Management Limited

Reference number: 921536

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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.

  • Osbourne Rayner Limited Former name
  • Osbourne Rayner Independent Financial Advisers Former trading 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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (5 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
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

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

Company number
SC646706
Company status
Active
Company type
Private limited company
Incorporated
11 November 2019 (6 years old)
Registered office
2 Craigentinny Avenue, Edinburgh, EH7 6PX, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Max Christie Director Nov 1971 8 Aug 2023 4 other companies

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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 5 April 2026Micro-entity accountsNot audited

Net assets

£36.9k

+537% from £5,804

Employees (average)

9

Same as 9

Owed within a year

£58.0k

+64% from £35.3k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 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 SC646706. 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 Wealth Management’s history from the FCA register and Companies House, newest first.

Key events (10) All events (17)

2024

26 January 2024

  • Christie Holdings Limited took control (75–100% of shares)
  • Max Christie stopped being the majority owner

Companies House

2023

5 December 2023

  • Changed its registered name from "Osbourne Rayner Limited"

FCA register

10 November 2023

  • Ronald Thomas Rayner gave up control

Companies House

8 August 2023

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

Companies House

2021

1 February 2021

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
  • Became authorised by the FCA

FCA register

2019

11 November 2019

  • Incorporated at Companies House
  • Ronald Thomas Rayner took control (75–100% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (10 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Clarity Independent Wealth Management

Other FCA-listed firms that share a director, phone number or address with Clarity Independent Wealth Management. 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 Wealth Management

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

In Edinburgh

4ways Financial Solutions LLPEdinburghAuthorised56 Wealth Management LimitedEdinburghAuthorisedA1 Financial Solutions LtdEdinburghAuthorisedAlpha Wealth LimitedEdinburghAuthorisedAlva Wealth LimitedEdinburghAuthorisedAspire Wealth Management LimitedEdinburghAuthorised

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 Wealth Management

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
  • 6 years of accounts, charted
  • All 17 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 Wealth Management Limited FCA authorised?
Yes, Clarity Independent Wealth Management Limited (FRN 921536) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2021 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Clarity Independent Wealth Management’s phone number and website?
The FCA register lists the phone number 0131 661 2777 and the website clarityifa.com for Clarity Independent Wealth Management. 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 Wealth Management a scam or clone?
Clarity Independent Wealth Management 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 Wealth Management?
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 Wealth Management to the Financial Ombudsman Service, free of charge.
Who owns Clarity Independent Wealth Management?
Clarity Independent Wealth Management is owned by Christie Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 January 2024. Before that, it was controlled by Mr Max Christie and Mr Ronald Thomas Rayner.
Who runs Clarity Independent Wealth Management?
Companies House lists one director of Clarity Independent Wealth Management: Max Christie.
How long has Clarity Independent Wealth Management been in business?
The company was formed on 11 November 2019, and has held its current FCA authorisation since February 2021.
What do Clarity Independent Wealth Management’s latest accounts show?
Its latest accounts, to 5 April 2026, show net assets of £36.9k (+537% from £5,804).
Does Clarity Independent Wealth Management use any other names?
It has previously used 2 other names: Osbourne Rayner Limited and Osbourne Rayner Independent Financial Advisers.

Sources and links

The full report on Clarity Independent Wealth Management Limited

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