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

Looking for an IFA in the Harpenden area?

Hello, and welcome. Whatever led you here to Tandem today, congratulations on making a further move towards greater financial confidence and peace of mind.

Many complications and deep emotions get tangled up with money. It does not help that the rules keep changing, with the financial landscape around us often complex and obscure.

How should I invest my money for the future?

How would my family cope without my income in the picture?

Am I currently paying more tax than I really need to?


At Tandem, we understand these questions and they are posed to us by our clients. This is where we take great joy in making a positive difference to their lives, namely through tailored, specialist financial planning.

The key thing is to determine the right path for you and your loved ones. It is about comprehending the highs and lows, pre-empting potential pitfalls and preparing the best way ahead. This is where comprehensive financial planning makes all the difference.

Why Tandem?

Choosing an independent financial adviser is an important decision. Your IFA will come to know a lot about you, and will likely be with you on the journey for a long time.

At Tandem Financial, we take this responsibility very seriously. That is why we promise to always treat you the way we want to be treated ourselves.

As an IFA near Harpenden, we partner with business owners, successful families and retirees from many different professions and walks of life. Since everyone is different, at Tandem we always avoid blanket solutions, instead presenting a financial strategy tailored to your unique needs and goals.

Whether you are looking for investment advice, will writing, estate planning, mortgage advice or retirement planning, there is space for a conversation about your financial situation here at Tandem.

To talk to a Tandem IFA around Harpenden, please call us on 01438 879262. Alternatively, you can 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.

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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