The Movement of Clarity Why Transparency Is the Future of Financial Advice

Changing how people think about money, value and trust.

The Movement of Clarity was born from a simple idea: people deserve to understand their money. For too long, financial advice has been clouded by complexity, percentages and language that hides the truth. Clients were told to trust the process, yet rarely shown how their fees were built, how their plans worked or how their advisers were rewarded.

At Xentum, we decided to change that. The Movement of Clarity represents a shift away from confusion and toward honesty, transparency and empowerment. It is not a campaign, it is a culture.

Why Transparency Matters More Than Ever

The financial planning profession has evolved, but the way most firms charge has not. Percentage based fees still dominate, creating a model that rewards size over service. Clients are left wondering whether their adviser benefits more from their wealth than from their wellbeing.

Transparency breaks that cycle. It gives clients the confidence to see what they are paying, why they are paying it and how that cost reflects real work. When value is visible, trust follows naturally.

How The Movement of Clarity Began

The idea started inside our own business. We wanted to prove that great financial planning could be fair, measurable and built on evidence, not perception. That belief led us to create our Fixed Fee Calculator, one of the UK’s first transparent pricing tools in financial advice.

It allows anyone to see exactly how our fees are structured, based on time, expertise and service, not portfolio size. It has become a symbol of how we think: clear, open and accountable.

But The Movement of Clarity is about more than fees. It is about helping people understand how money connects to life, how clarity turns uncertainty into confidence and how education empowers lasting change.

A Philosophy Built Around People

We built The Movement of Clarity for clients who want more than numbers. They want to feel confident, informed and in control. That means removing the smoke and mirrors that have defined our industry for decades.

Our planners focus on the story behind every financial decision, where you are today, what matters most and what you want life to look like next. We use evidence based planning, open conversations and transparent pricing to create genuine understanding.

Because when you understand your money, you make better decisions.

From Clarity to Confidence

Transparency creates trust, but clarity builds confidence.

When clients know what they pay, how their plan works and how progress is measured, financial planning stops being a mystery and becomes a partnership.

That clarity runs through everything we do, from how we charge to how we communicate. Whether it is through a face to face review, a cashflow projection or a conversation about life goals, we always come back to one question: Does this make sense to you?

If the answer is no, we have not done our job.

Education as the Foundation

Financial clarity cannot exist without education. That is why The Movement of Clarity also means giving people knowledge, not just advice.

We work with organisations like Munny to help people of all ages build financial understanding, because confidence starts with knowing how money really works. We also encourage families to share lessons and stories, recommending resources such as Grandpa’s Fortune Fables by Will Rainey to help younger generations learn about saving, patience and decision making.

Knowledge creates empowerment, and empowerment creates independence.

Leading Change Across the Profession

The financial planning industry has a choice. It can continue to defend outdated models, or it can evolve toward fairness and transparency.

The FCA’s Consumer Duty reinforces this direction, demanding clear value and communication. But The Movement of Clarity is not about regulation, it is about doing what is right.

We believe firms that embrace transparency will build stronger, more trusted relationships with clients. And those who ignore it will eventually be left behind.

What The Movement of Clarity Means for You

When you work with Xentum, you are not buying a product. You are joining a movement that believes in clarity above all else.

You will know what you pay, what you receive and why it matters. You will have a plan that reflects your goals and a team who care about your wellbeing as much as your returns. And you will always be treated as a person, not a percentage.

Clarity builds trust. Trust builds confidence. And confidence creates freedom, the freedom to live well, make choices and enjoy life on your terms.

That is The Movement of Clarity, not a slogan but a standard, not just for our clients but for our profession.

Because the future of financial advice is not hidden behind numbers. It is written in plain English, grounded in truth and built for people.