The Clear Advice Group Ltd

Reference number: 452665

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • The Clear Advice Group Ltd (FRN 452665) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Clear Advice Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Clear Advice Group, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 theclearadvicegroup.com first appeared online, and whether it can receive email
  • What kind of line 01983 533999 is
  • Who else gives the postcode PO33 1QT
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Other names (7)

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

  • Clear Advice Mortgage Services Trading name
  • Box Simpson Financial Services Former trading name
  • Clear Advice Financial Planning Former trading name
  • Clear Advice Financial Services Former trading name
  • Clear Advice Mortgages Former trading name
  • Island Mortgage Solutions Former trading name
  • Kougar Financial Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 name
THE CLEAR ADVICE GROUP LIMITED
Company number
05811476
Company status
Active
Company type
Private limited company
Incorporated
9 May 2006 (20 years old)
Registered office
Fortis House, Cothey Way, Ryde, Isle Of Wight, PO33 1QT, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Lynn Karon Amey Director Jan 1958 9 May 2006 5 other companies
Illya Gregg Simpson Director Oct 1965 1 May 2008 5 other companies

Other companies run by these 2 directors

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
8
closed down
8
run together
2

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 companies these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 5 April 2025Micro-entity accountsNot audited

Net assets

£50.6k

+14% from £44.2k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 05811476. 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

The Clear Advice Group’s history from the FCA register and Companies House, newest first.

Key events (3) All events (22)

2017

9 May 2017

  • Lynn Karon Amey became a part-owner (25–50% of shares)

Companies House

2006

31 May 2006

  • Became an appointed representative

FCA register

9 May 2006

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (3 shown here)
  • Every director appointment and resignation: 6
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Firms connected to The Clear Advice Group

Other FCA-listed firms that share a director, phone number or address with The Clear Advice Group. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like The Clear Advice Group

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

In Ryde

Harrison Black Investment Services LimitedRydeAppointed representativeAspen Wealth Management LLPRydeAuthorisedEcho Financial Planning LLPRydeAuthorisedThinking Finance UK LimitedRydeAuthorisedPhil Hughes Financial Services LtdRydeAuthorised

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 The Clear Advice Group

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 22 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Clear Advice Group Ltd FCA authorised?
The Clear Advice Group Ltd (FRN 452665) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for The Clear Advice Group?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. The Clear Advice Group Ltd (FRN 452665) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The Clear Advice Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Clear Advice Group, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is The Clear Advice Group’s phone number and website?
The FCA register lists the phone number 01983 533999 and the website theclearadvicegroup.com for The Clear Advice Group. If you were given different contact details, use these to check with the firm before going any further.
Is The Clear Advice Group a scam or clone?
The Clear Advice Group 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 The Clear Advice Group?
Protection works through Quilter Financial Services Limited, the principal firm responsible for The Clear Advice Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Clear Advice Group?
Companies House lists one person with significant control of The Clear Advice Group: Ms Lynn Karon Amey (25–50% of shares).
Who runs The Clear Advice Group?
Companies House lists 2 directors of The Clear Advice Group: Lynn Karon Amey and Illya Gregg Simpson.
How long has The Clear Advice Group been in business?
The company was formed on 9 May 2006.
What do The Clear Advice Group’s latest accounts show?
Its latest accounts, to 5 April 2025, show net assets of £50.6k (+14% from £44.2k).
Does The Clear Advice Group use any other names?
It trades as Clear Advice Mortgage Services. It has previously used 6 other names, including Box Simpson Financial Services, Clear Advice Financial Planning and Clear Advice Financial Services.

Sources and links

The full report on The Clear Advice Group Ltd

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