Ray Martin

Ray Martin

Four Seasons Financial Planning

Minimum savings/pensions: Over £250,000

0330 038 8940
Based in Epsom
View location

Top Rated 2025
Verified since: March, 2017

5 out of 5

146 reviews


Checks carried out by VouchedFor

  • FCA Regulated

    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

  • 36

    Recent Client Reviews

    Verified reviews: 100%

    Ray has received 36 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    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

    Qualifications not yet added

    Ray has not yet added their qualifications to their profile

  • Transparent Fees

    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 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

    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

  • 36

    Recent Client Reviews

    Verified reviews: 100%

    Ray has received 36 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    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

    Qualifications not yet added

    Ray has not yet added their qualifications to their profile

  • Transparent Fees

    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 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

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Mortgage value

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Clients' level of financial expertise

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