0161 219 8546
Based in Manchester
View locationChecks carried out by VouchedFor
FCA status: Certified by Firm
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Last checked: 27 April 2025
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Recent Client Reviews
Ray has not received any client reviews in the past 12 months
Ray has not received any reviews in the last 12 months
Ray has not received any client reviews in the past 12 months
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: 20 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.
16
Qualifications Uploaded
Ray has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
16 qualification certificates available to view
Ray has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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 status: Certified by Firm
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Last checked: 27 April 2025
Ray is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ray's status
Recent Client Reviews
Ray has not received any client reviews in the past 12 months
Ray has not received any reviews in the last 12 months
Ray has not received any client reviews in the past 12 months
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: 20 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.
16
Qualifications Uploaded
Ray has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
16 qualification certificates available to view
Ray has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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)
I can offer you genuinely independent financial advice, having started in the industry in 1997. I work as a Chartered Financial Planner specialising in Pensions and Investment advice, and my Company (Fairstone Wealth Management) is the number 1 rated Wealth Management firm in the country on Trustpilot and has the highest number of positive ratings of any Wealth Management firm on VouchedFor. I am also an approved Pension Transfer Specialist. I build long term relationships with my clients, and actively review your situation with you on a regular basis to ensure your solutions are still fit for purpose and as I am unbiased, and unrestricted - I receive no commission or payment of any kind from any Investment or Pension or Fund provider that I may recommend and you have no exit penalties/tie-ins from any investments or pensions set up for you. I am available to meet with clients at their homes/offices, or speak over the phone, or online via a video call in the daytime or evening and I offer an initial consultation at my expense, where I can review what you already have, help with new solutions, or both, so you can determine, under no obligation whether I am the right adviser for 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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Adviser Disclaimer
M: 07970 729 729 | T: 0161 425 4852 @raytheifa https://www.linkedin.com/in/raytammam/ https://www.trustpilot.com/review/fairstone.co.uk?page=14 Office: Wallace House, 8 Ferndale Avenue, Manchester. M45 7QP Registered Address: 1 The Bulrushes, Woodstock Way, Boldon Business Park, Tyne & Wear. NE35 9PF Fairstone Financial Management Limited is authorised and regulated by The Financial Conduct Authority FRN 475973. Registered in England. Company No. 05574120. Part of the Fairstone Group. DISCLAIMER: This message and any attachment are confidential and may be privileged or otherwise protected from disclosure. If you are not the intended recipient, please telephone or email the sender and delete this message and any attachment from your system. If you are not the intended recipient you must not copy this message or attachment or disclose the contents to any other person. Any views or opinions expressed in this email are those of the author only.