Working together in tandem…

Watch Paul talk about Tandem Financial, how it exists to build relationships of trust, give the best financial advice and services, add real value and help you make smart choices with your money.

Get in touch

Are you looking for a financial adviser near Harpenden?

It’s probably fair to say that most people worry about money. It is understandable given what is often at stake.



How will I go about securing a good retirement?




How can I best provide for my family, financially?



These are legitimate questions, and at Tandem Financial we exist to bring clarity, peace of mind and positive momentum to your financial situation. We genuinely love to help people, and take great pleasure in seeing our clients succeed.


We are a local financial adviser near Harpenden working with business owners, thriving families, retirees and those approaching retirement. If you want help in making smarter choices with your money, then we would love to hear from you.


How Tandem Works With You

Finances are a sensitive area. Sharing information about this part of our lives is an intimidating thought, and we understand that.

This is why we like to break the ice at beginning, exposing some of the fears which money brings. Our process goes on to ask smart questions about your needs and goals, laying the first foundations for putting your financial strategy in order.

Ultimately, there needs to be a trusting relationship between us where you are given the facts. It can take a little while to build trust, especially in the whole area of money. This is perfectly normal. In time, however, we hope to earn that trust by listening to your needs, providing you with the expert advice you need to navigate the financial landscape ahead of you.

What We Offer

We work with many different kinds of people and offer a range of services, including retirement planning, investment advice, estate planning, mortgage advice and more.

To speak to one of our financial advisers around Harpenden, please contact us on 01438 879262 or email us at [email protected].

Meet the team

With over 80 years combined experience in finance, we’ll work in tandem with you to help make the difficult, big decisions, or even the small, personal ones.

Contact Us

Paul has been advising clients for over 15 years. He loves engaging with both new and existing clients, helping them find clarity with their finances. Paul set up Tandem to spend more time with his clients to develop the relationships. He is passionate about accuracy, service and high standards. Paul’s favourite past times include spending time with family, golf, cricket, films and riding his motorbike. What more is there?

Paul Cleworth

Managing Director & Financial Planner

Alison was formerly a commercial manager in the aircraft industry, leasing and selling aircraft, working at Rolls Royce, EasyJet and BAE Systems. She was responsible for negotiating contract documentation with customers and suppliers from Europe to South America. Alison brings communication skills, organisational abilities and accuracy to Tandem. Alison is a devoted mum to our children, Miles and Rory. As well as her children, Alison’s passions include: fashion, travel, gardening and a nice cup of tea!

Alison Cleworth

Operations Director

Kevin has worked in finance for 20 years and been a para-planner, working with Paul for the last 8 years. He specialises in the preparation of bespoke client financial plans and annual reviews. Kevin enjoys liaising with clients and going the extra mile to provide the best service possible. Away from work, Kevin is a keen golfer (as long as it is not raining) and enjoys football, wine, reading and dining out.

Kevin Smith

Senior Paraplanner

Steve has over 25 years in financial services experience. He specialises in advising on all types of mortgages including residential, buy-to-let, commercial and equity release. He also advises on protection and insurance. Married with 2 dogs (Sky & Luna), when not working or walking the dogs he is usually to be found slaving away in the garden under his wife’s watchful eye.

Steve Alcock

Mortgage Broker

Marcos has been a professional Will writer and Estate Planner since 2003. He has extensive knowledge and experience in dealing with all estate planning situations. A Fellow of the Institute of Professional Will writers, Marcos operates to the highest professional and ethical standards. He is able to advise on wills, trusts, guardianship for minors, long term care protection, re-marriages and lasting powers of attorney.

Marcos Kallou

Will Writer & Estate Planner
Let Us Do The Hard Work

Let us look after the whole spectrum of your financial concerns, leaving you free to ‘dream a new dream’.

Over 80 Years Of Experience

Using our collective experience, we will help you make the difficult, big decisions, or even the small, personal ones.

Five Star Hospitality

Our new offices are designed specifically to create a five-star experience that is also intimate and human.

Ample Free Parking

There is ample free parking, wheelchair access and lift, fresh tea and coffee and a welcome smile to greet you.

Service Excellence

We love efficiency, courtesy and service excellence. We thrive on accuracy, high standards and adding real value.

Financial Peace Of Mind

We aim to remove the complexity and provide confidence, focus and peace of mind.

T: 01438 879262

E: [email protected]

Speak to a member of our team on 01438 879262‎.

Find out how we can give you peace of mind, through organising your finances and helping you to achieve your goals.

Contact us