Michael Margai
Perfect Protect Limited
Minimum savings/pensions: Over £50,000
Minimum mortgage: Over £100,000
0330 038 8938
Based in Greenhithe
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: December, 2019
4.9 out of 5
Checks carried out by VouchedFor
FCA Regulated
Michael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 11 April 2025
Michael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
6
Recent Client Reviews
Michael has received 6 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Michael has received 6 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 10 December 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
2
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Michael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Michael has provided information on their typical fees
Michael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
34
Positive First Impressions
97% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 34 first impressions)
97% of users who are not yet clients had a positive first experience with Michael
97% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 34 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Michael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 11 April 2025
Michael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
6
Recent Client Reviews
Michael has received 6 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Michael has received 6 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 10 December 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
2
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Michael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Michael has provided information on their typical fees
Michael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
34
Positive First Impressions
97% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 34 first impressions)
97% of users who are not yet clients had a positive first experience with Michael
97% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 34 first impressions)
I am a fully qualified Financial Planner with over 15 years of experience in the financial services industry. As of 2012, my work has primarily involved providing clients with face-to-face financial advice. I have helped hundreds of people plan for their futures, helping to create wealth through investment, homeownership, building property portfolios and helping them protect what they have worked their whole lives to build. I have deep expertise in the following areas: - Mortgage advice (Residential and Buy to Let) - Protection advice (Life insurance, Mortgage cover, Income Protection) - Pension advice (Reviewing current pensions and setting up new ones) - Investment advice (Providing Wealth Management and Financial planning services) Trust and Integrity are at the heart of everything I do. I take pride in my ability to dispense open and honest advice, making sure to listen closely to my clients and strive to deliver above and beyond their expectations. When I am not working, I enjoy going for weekly runs, keeping fit, eating healthily and travelling the world to explore new places and cultures Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Offers available through VouchedFor
Contact Michael 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 Michael's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
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Adviser Disclaimer
Perfect Protect Ltd is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Perfect Protect Ltd is registered in England & Wales no. 11107246