0330 038 8940
Based in Epsom
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: March, 2017
5 out of 5
Checks carried out by VouchedFor
FCA Regulated
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 22 March 2025
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
40
Recent Client Reviews
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 17 December 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Ray has not yet added their qualifications to their profile
Qualifications not yet added
Ray has not yet added their qualifications to their profile
Transparent Fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ray has provided information on their typical fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Ray
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 22 March 2025
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
40
Recent Client Reviews
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 17 December 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Ray has not yet added their qualifications to their profile
Qualifications not yet added
Ray has not yet added their qualifications to their profile
Transparent Fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ray has provided information on their typical fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Ray
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
We specialise in independent retirement advice/planning for those approaching or at retirement. Many consider pensions and retirement income planning to be the most complex areas of financial advice. That's why we have decided not to be a 'jack of all trades' but instead use all the tools and knowledge available to offer great advice on minimising tax and investing in optimising your future. Our advice is holistic and considers other areas of advice, such as Inheritance tax planning. We look to maximise your life first and then, once that's achieved, pass on your wealth with minimal tax. Click on the button to book a FREE consultation. You will learn how we help you avoid the most common retirement pitfalls and have clarity/peace of mind. The meeting will be personalised to your needs and is offered without any obligation to you.
Offers available through VouchedFor
Contact Ray through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Ray's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
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