Independent Wealth Management · London

Clarity, integrity
and lasting wealth
across generations.

Clarmond is an independent wealth manager and research house, serving a select number of individuals, families and institutions since 2010.

Scroll
2010
Founded
15+
Years of Advisory
3
Partners
FCA
Regulated · FRN 610006

Personalised wealth management,
built on conviction.

We are not a large institution. We are a small, committed team of investment professionals who believe that genuine personalisation , knowing each client's full picture, leads to better outcomes over the long term.

I

Independence

As an independent firm we have no house funds, no product quotas, and no institutional conflicts. Our advice is guided only by your best interests and our own research.

II

Long-term Stewardship

We take a generational view of capital. Protecting and growing wealth across decades , not quarters, is the framework within which every allocation decision is made.

III

Global Perspective

Our partners bring decades of experience across London, New York, emerging markets and international family offices, a breadth of insight that informs every portfolio.

"We take the time to understand your full financial picture , and then we build a bespoke, agreed plan. Nothing generic, nothing off-the-shelf."

Clarmond was established in 2010 by Christopher Andrew. The firm grew from a belief that high-net-worth individuals deserved the quality of advice reserved for institutional clients , delivered with the attentiveness of a trusted private advisor.

Our client base consists of Professional clients as defined by the Financial Conduct Authority: individuals, families, and institutions who benefit from direct access to our partners and from research that is genuinely proprietary.

Arrange a Conversation

A full-service offering,
delivered personally.

Clarmond provides three interconnected disciplines. Many clients use all three; others engage us for a specific need. Our partners remain personally involved in every client relationship.

Wealth Management

Bespoke portfolio management, asset allocation and multi-generational wealth planning for individuals, families and institutions.

  • Bespoke discretionary portfolio management
  • Proprietary asset allocation framework
  • Portfolio consolidation across private banks
  • Outsourced family office service
  • Multi-generational wealth and trust planning
  • Firewall advisory between family and managers

Corporate Advisory

Strategic guidance for business owners and entrepreneurs at every stage of the corporate lifecycle , from growth capital to business transition.

  • Mergers & acquisitions
  • Business disposals
  • Capital raising
  • Corporate restructuring
  • Strategic planning

Market Research

Our proprietary credit and currency research framework generates weekly, monthly and quarterly outputs across equities, fixed income and real assets.

  • Weekly risk-on / risk-off signals
  • Monthly and quarterly asset class views
  • Macro overlay for existing portfolios
  • Managed account research framework
  • Regular visits from the research team

Family Office Services

The structure of a family office without the overhead , Clarmond becomes the trusted hub, coordinating advisors, banks and investment managers on your behalf.

  • Consolidated reporting across all holdings
  • Coordination of external advisors
  • Tax and trust structuring advice
  • Succession and estate planning framework
  • Single point of contact for all financial matters

Partners who are directly involved
in every client relationship.

At Clarmond you deal with a partner, not a relationship manager covering hundreds of clients. Our team maintains the kind of continuity that builds genuine trust.

CA
Christopher Andrew
Partner · Wealth Management

Founder of Clarmond, Chris brings over 25 years in family office and investment management, including 14 years at Consulta Limited. An IIMR-qualified Fund Manager and Oxford graduate (Hebrew & Akkadian, BA).

MZ
Mustafa Zaidi
Partner · Research

Co-founder of Octane (sold to Sanlam, 2009), former strategist at Lexington Worldwide Emerging Markets and Cambridge Associates. Brown University, King's College London, Balliol College Oxford.

PL
Peter van Riet Lowe
Partner · Wealth Management

Founded Ngamiland Trust (1993), merged with Fleming / JPMorgan in Botswana. Chartered Accountant, CFA Society member, and CIMA associate. Degrees from UCT and UNISA.

PL
Pippa Lowe
Associate · Wealth Management

Previously at Oberon Investments, Pippa brings deep expertise in bespoke client services. Holds the CISI Level 4 Investment Advice Diploma.

AH
Alex Haynes
Junior · Wealth Management

Supports portfolio monitoring, investment research and client reporting. Holds the CISI Level 4 Investment Advice Diploma with prior experience in financial analysis.

Our library of Postcards
and Market Commentary.

Clarmond publishes regular Postcards, notes on markets, geopolitics and economic history, alongside focused Market Comments. Browse the archive or subscribe to receive them directly.

A rigorous framework,
built on credit and currency.

Clarmond's research framework is not commentary : it is a structured, repeatable process that generates actionable signals across the main asset classes. It is the backbone of how we allocate capital and how we advise research subscribers on their own portfolios.

The framework can be used as a standalone macro overlay, as the primary driver of a managed account, or as a reference framework for institutions seeking an independent second opinion on asset allocation.

Enquire About Research Access
Weekly

Risk-On / Risk-Off Signal

A single, clear directional view on portfolio positioning, driven by credit and currency conditions rather than sentiment.

Monthly

Asset Class Allocations

Over and underweight views across equities, fixed income and real assets, with rationale from the credit cycle framework.

Quarterly

Strategic Outlook

A longer-form view on where we are in the credit cycle, structural risks, and the implications for multi-year capital allocation.

Ongoing

Research Team Visits

Full subscribers receive regular visits and direct access to our research team for discussion and context.

Intelligence for the Considered Investor.

Clarmond is publishing two regular newsletters: The Clarmond Daily and The Week Ahead. Details of how to sign up will be available soon.

Begin a conversation.

We work with a select number of clients and take time with every initial enquiry. If you would like to discuss how Clarmond might be of service, please write to us or contact us directly.

Address London
General Enquiries info@clarmond.co.uk
Regulatory Authorised and regulated by the Financial Conduct Authority · FRN 610006

Clarmond Wealth Management deals only with Professional clients as defined by the Financial Conduct Authority. All enquiries are treated in the strictest confidence.