Ray Best

What were the circumstances that caused you to initially look for an adviser?

My mothers recommendation

How has Ray Best helped you?

Definitely!

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

I cannot think of anything to write on this column as I have been satisfied with all Ray has done for me

What were the circumstances that caused you to initially look for an adviser?

Inheritance Planning but Ray offered so much more

How has Ray Best helped you?

Comprehensive financial planning. A one stop shop for Inheritance, trusts, tax planning, investments, pensions and setting up a business

Have you seen the outcome you were hoping for?

Yes it has surpassed my expectations

What could they have done better?

A written step by step guide of actions that I need to take as opposed to what they will do to achieve the desired outcome would help to avoid some confusion

Please provide a brief comment about your experience with Ray

We have been using Ray's services for the last 4 years and throughout that time he has consistently provided excellent advice and guidance. The service offered by Ray and his team has allowed us to plan out our finances to suit our requirements.

What were the circumstances that caused you to initially look for an adviser?

We had been let down by previous advisors - our affairs needed sorting out.

How has Ray Best helped you?

All our investments were assessed and adjusted to better suit our needs. The chaos was organised into a better portfolio.

Have you seen the outcome you were hoping for?

Yes we have - our investments have paid off over the longer term.

What could they have done better?

Cannot think of anything.

What were the circumstances that caused you to initially look for an adviser?

Disatifaction with previous financial services adviser

How has Ray Best helped you?

Taking care of probate when my husband died and supporting me and my daughter solve our financial affairs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I was looking for advice on retirement and inheritance planning.

How has Ray Best helped you?

Ray listened to and I think fully understood my personal and financial situation. He offered advice and projections that were tailored to me and greatly reassured me about my position. He's helped me with pension transfers, will writing and investments. All of this has been done with efficiency and good humour making our meetings very enjoyable.

Have you seen the outcome you were hoping for?

Realistically yes, and though I would always hope for greater returns on investments I chose a cautious investment profile which favours security over high returns, within those constraints I believe Ray has advised me well.

What could they have done better?

I can't really think of anything.

What were the circumstances that caused you to initially look for an adviser?

Increasing potential liability for inheritance tax.

How has Ray Best helped you?

Various schemes to reduce the liability for inheritance tax and to generate more income from our savings

Have you seen the outcome you were hoping for?

Yes to a large extent

What could they have done better?

Retaining a large portfolio of ISAs, Having borrowed from this for other investments i understood that i could repay this within a year and retain ISA status however it was only applicable within the financial year. As this investment was made in march i lost the opportunity to repay some or all the funds to retain ISA status, should have delayed this until april.

What were the circumstances that caused you to initially look for an adviser?

The need for inheritance planning and the consolidation of assets including Buy to Let properties

How has Ray Best helped you?

Ray helped and encouraged me to not only fulfil my initial objecti9ves, but to adjust them when my wife died and to set up a business and trusts to benefit my son and his family. This has significantly I'm proved the quality of life foe us all and massively improved the prospects for my grandchildren.

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

ray is very clear about the best way to proceed. Sometimes I would like the options and implications of actions with a written copy to take away and digest. Scenario 1, 2, 3 etc.

What were the circumstances that caused you to initially look for an adviser?

Having been the recipient of a legacy.

How has Ray Best helped you?

Dramatically, but advising re investments that have considerably increased my original investment.

Have you seen the outcome you were hoping for?

More than.

What could they have done better?

NOTHING.

What were the circumstances that caused you to initially look for an adviser?

An inheritance

How has Ray Best helped you?

By giving me much needed investment advice

Have you seen the outcome you were hoping for?

Indeed, far in excess

What could they have done better?

In my opinion - NOTHING.

What were the circumstances that caused you to initially look for an adviser?

We initially looked for advice as we were affected by annual pension taper and also wanted to review out investments.

How has Ray Best helped you?

Ray has helped us to bring our pensions and investments into a single platform, he has provided investment and financial planning advice and guided us through setting up wills with suitable inheritance planning.

Have you seen the outcome you were hoping for?

We have a much better view of our pensions and investments and the actions we should be taking in future years. We are therefore more confident in our financial futures and those of our children. We feel much more comfortable now that our wills are completed as we had never got round to completing these and it was not straightforward. Ray and his team helped us through the whole process.

What were the circumstances that caused you to initially look for an adviser?

Had poor advice previously - recommended by book keeper.

How has Ray Best helped you?

He has organised all my savings and pensions to be better understood.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I have had poor advice in the past from many financial advisors - Ray was recommended by a friend and he has not disappointed. My financial affairs are now in good order. Advice is given whenever needed and often as a matter of course when the markets change.

How has Ray Best helped you?

He has organised my savings and pensions so that they are all working hard for me. Communication has been consistently good.

Have you seen the outcome you were hoping for?

Definitely, and Ray continues to work hard to ensure my funds are well utilised.

What could they have done better?

Cannot think of anything.

What were the circumstances that caused you to initially look for an adviser?

Our previous IFA retired more than 25 years ago. In that time we had accumulated more pensions, but had not actively managed them. We therefore needed someone to look at them for us and recommend what to do with them.

How has Ray Best helped you?

Ray immediately came up with a plan to resolve this scatter-gun approach, and has implemented a strategy to allow us to move towards retirement in a more coherent way than we otherwise would have.

Have you seen the outcome you were hoping for?

We have. Our situation has already improved, and now we have a clear picture of where we are going.

What could they have done better?

We dumped a big pile of statements, notifications and letters on Ray's desk, knowing that it would be a thankless task for him and his team. Occasionally, we wondered how they were getting on, but our patience has been rewarded.

What were the circumstances that caused you to initially look for an adviser?

Ray was recommended to me by my partner and her late mother.

How has Ray Best helped you?

He has given me a monthly income by investment my monies wisely. He has also greatly helped me with making a Will and planning for the future.

Have you seen the outcome you were hoping for?

Definitely!

What could they have done better?

Cannot think of anything.

What were the circumstances that caused you to initially look for an adviser?

My pension

How has Ray Best helped you?

By consolidating my pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

As I near to retirement I needed someone who could guide me though the pension maze and help get power of attorney and a will set up

How has Ray Best helped you?

Ray's advice is always fab, he has advised of the best decisions for my portfolio.

Have you seen the outcome you were hoping for?

Yes, even though the markets are currently volatile.

What could they have done better?

Nothing!

What were the circumstances that caused you to initially look for an adviser?

Having received a legacy a friend adviced me to seek Rays advice.

How has Ray Best helped you?

Immeasurably with regular contact and finacial advice.

Have you seen the outcome you were hoping for?

Yes, far greater than my expectations.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement my wife and I needed to consolidate pensions whilst at the same time planning for inheritance and safeguarding our children and grandchildren through trusts.

How has Ray Best helped you?

Unlike most financial advisers Ray Best looked at our overall family situation and designed a combination of will changes, trusts and asset redistribution to meet our needs. With the death of my wife in 2019 he was there again to help me with adjusting the portfolio to mitigate tax liability. More recently he he has mentored my son and myself through the process of setting up a business which has transformed the life of my son and his family and given them both security and a promising financial future. Ray has become a friend as well as a trusted adviser. He uses other professionals where necessary to ensure the optimal actions are recommended. He has encouraged me to do more and go farther than I thought was possible.

Have you seen the outcome you were hoping for?

Yes I have seen the outcome I was hoping for repeatedly and they have changed over time.

What could they have done better?

A six monthly review of the whole package and how it fits together would be good.

What were the circumstances that caused you to initially look for an adviser?

We have had poor advice in the past. Ray was recommended to us and quickly managed to organise all our products sensibly. We have had excellent advice and service ever since.

How has Ray Best helped you?

He organised our portfolio and reviews things regularly. He is easy to contact and responds promptly.

Have you seen the outcome you were hoping for?

We are very happy with the excellent service we receive.

What could they have done better?

Cannot think of anything.

What were the circumstances that caused you to initially look for an adviser?

Ray was the Financial Adviser for my mother and continues to do it for me.

How has Ray Best helped you?

100%. Definitely.

Have you seen the outcome you were hoping for?

Yes. Although with the markets as they are now it is not the best time but I have faith in Ray

What could they have done better?

N/A

Please provide a brief comment about your experience with Ray

Mr Best was very helpful. He listened carefully to our current financial plans, approved of them and made one suggestion for us to consider.

What were the circumstances that caused you to initially look for an adviser?

I needed investment and pensions advice following a divorce.

How has Ray Best helped you?

Ray has given me comprehensive, clear advice on pension and financial planning issues. Ray has been very helpful through a difficult period and given me sound advice. I would highly recommend Ray and his team at Una Vida.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

What were the circumstances that caused you to initially look for an adviser?

I needed help with pensions and investments

How has Ray Best helped you?

He has streamlined my investments and pensions into a single entity that he manages excellently

Have you seen the outcome you were hoping for?

Yes - my pensions and investments have been managed perfectly by Ray

What could they have done better?

Nothing that I can think of

What were the circumstances that caused you to initially look for an adviser?

My husband, Mike, was very unhappy with his two previous financial advisors and so accepted an invitation to one of Ray's seminars. Mike was impressed with what he heard and followed up the initial meeting with Ray which led to Mike and I signing up with Ray and Unavida.

How has Ray Best helped you?

Ray has guided us and advised how best to invest our money and where. Mike was particularly keen for our three children to pay as little inheritance tax as possible and through Ray we have set up discretionary trusts in order to achieve this. Ray supervises our Pension funds and SIPPs which he manages very skillfully. Ray is a very knid, empathetic person, careful and knowledgeable about the management of his client's finances. I am so confident in Ray that now my two daughters have entrusted him with their finances ans their companies too.

Have you seen the outcome you were hoping for?

Yes, very definitely. We have always been extremely happy with the growth of our investments with Ray and I now rely on his exoertise more than ever since Mike passed away last year

What could they have done better?

I do not know of anything.

What were the circumstances that caused you to initially look for an adviser?

I needed to sort myself out financially.

How has Ray Best helped you?

I have found Ray and his team to be professional and courteous and always a pleasure to deal with, Ray contacts me when appropriate to update me on my portfolio which has gone from strength to strength based on Ray's expert recommendations.

Have you seen the outcome you were hoping for?

Yes, my portfolio has grown as a result of Ray's recomendations

What could they have done better?

Nothing!

What were the circumstances that caused you to initially look for an adviser?

My husband runs his own business and wanted someone to help review his financial status in relation to retirement for both himself and the family.

How has Ray Best helped you?

He has advised on my recent pension position and made me feel confident about the right decision to opt for.

Have you seen the outcome you were hoping for?

My husband is seeing benefits but my personal situation will not change for a few months as funds not available until then.

What could they have done better?

I don't really know as Ray always seem to have his eye on the ball and always contacts us if he feels any reviews or changes should be considered.

What were the circumstances that caused you to initially look for an adviser?

I have contributed a lot of funds to pensions over the years and had a variety of advisers. As I wasn’t too impressed with the service that I received I decided to take over the running of my pensions myself, using information from the pension companies . I went to get a second opinion from Ray Best, which turned out to be a wake up call as funds I was told were low risk were in fact high risk and there was little diversification.

How has Ray Best helped you?

He provided a full analysis of our overall financial situation, consolidated all of our pensions into a widely diversified portfolio. We have also been advised on how we should transfer our pensions on death. We are proceeding with his advice on Advance Directives, Wills, and Lasting Powers of Attorney. He took the time and trouble to locate and consolidate all of our investments, and although we were concerned that we would face a shortfall on retirement, Ray was very reassuring, and it turned out the only problem we had was previous poor management.

Have you seen the outcome you were hoping for?

Yes, we were exposed as a family before but now feel very confident that all bases are covered, and that the family is well insulated against future adverse events. We are confident that our funds are now being properly managed, that opportunities are being identified and taken and threats recognised early and necessary action taken

What could they have done better?

Nothing. We are very glad that we are Ray's clients

What were the circumstances that caused you to initially look for an adviser?

We had used a number of financial advisors over the years and were not particularly happy with the service from any of them. Ray was recommended to us by someone we trust.

How has Ray Best helped you?

Ray has helped us in many ways. We had a mish-mash of pension funds, both Defined Benefit and Defined Contribution, we had done no inheritance planning, and also had a number of other investments on which we felt that we needed advice. Ray has helped us in all these things

Have you seen the outcome you were hoping for?

Yes, very happy with the service.

What could they have done better?

Ray is so much better than any of our previous advisors that we cannot think of anything he could have done better.

What were the circumstances that caused you to initially look for an adviser?

I sold a property and wished to invest the proeeds, a mutual friend suggested I visit Ray Best for advice.

How has Ray Best helped you?

He has helped beyond my expectations and increased my investments.

Have you seen the outcome you were hoping for?

I have seen an outcome far greater than I had anticipated.

What could they have done better?

I do not believe that anything could have been done better.

What were the circumstances that caused you to initially look for an adviser?

We were very concerned about our financial position. I was doing a series of temping jobs to keep the wolf from the door. Then we contacted Ray Best. He seemed genuinely interested in our life and encouraged us to live the life we wanted to live.

How has Ray Best helped you?

Ray consolidated my pensions into one cohesive whole, which enabled us for the first time ever to appreciate that we were able to plan ahead with more confidence. He asked if I wanted to continue working or spend time with my grandchildren and then gave us a plan to achieve this.

Have you seen the outcome you were hoping for?

The relief and pleasure I had when I gave my notice in. Ray enabled me to retire 5 years earlier than I expected.

What could they have done better?

Not a thing; it’s good that Ray gave us the confidence to live the life that we wanted to live. We are both very happy.

Please provide a brief comment about your experience with Ray

We had an excellent meeting with Ray. Looking forward to continuing working with Ray and his staff.

What were the circumstances that caused you to initially look for an adviser?

We had a hotch potch of investments from previous financial advisors - Ray consolidated these and has monitored and changed things for us for over 10years.

How has Ray Best helped you?

Helping me to understand our finances and the market. He communicates with us on a regular basis.

Have you seen the outcome you were hoping for?

Yes, our portfolio has increased in value.

What could they have done better?

Cannot think of anything.

What were the circumstances that caused you to initially look for an adviser?

My mother passed away and Ray was her Financial Adviser. She put 100% trust in Ray so I thought I would do the same.

How has Ray Best helped you?

He has helped me with a monthly income, invested my monies wisely and drawn up my Will.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing that I can think of .

What were the circumstances that caused you to initially look for an adviser?

We have a business that has grown substantially over the past twenty years and we needed professional help with organising our portfolio of assets and advice with our both our personal pensions and SIPP. Our last financial adviser although had helped us, openly admitted that he struggled with providing the correct advice specifically with our SIPP.

How has Ray Best helped you?

Having collated all our information, Ray has started the process of helping us to consolidate and reorganise our assets. He carried out a detailed analysis and delivered his results with detailed explanations that now leaves my wife and myself with a much clearer idea of how we can develop our pension portfolios, diversify our savings and plan our retirement early. Ray has also helped with ring fencing a life policy around us that provides peace of mind for our family.

Have you seen the outcome you were hoping for?

The early signs are extremely encouraging and we are in no doubt that we will have a successful outcome.

What could they have done better?

Nothing at present, everything is moving along at a pace.

Please provide a brief comment about your experience with Ray

It would help potential future clients, like I was, if he was clearer from the outset about the parameters within which he works. I said from the start and all along that I wanted a review of my pensions and my own financial investments, but it was some way down the line that he stated that he never worked with just one of a married couple and it had to be with both. If I had known that then we could both have moved on without wasting each other's time.

What were the circumstances that caused you to initially look for an adviser?

I had a number of pension pots, savings, ISAs and shares and felt that I needed a professional hand on the tiller to ensure that those investments were properly managed and returning better than average rates. With the pensions in particular, who really knows which funds to invest in? and how often do we change those funds ourselves ?

How has Ray Best helped you?

Ray works out attitude to risk and has worked out a portfolio of investment wrappers that spread risk across a wide range of sectors. By subscribing to good financial data & technical analysis, Ray regularly rebalances the investments so as to avoid the downturns and ride the upswings. I have also used Ray's services to make sure that my wife and I have a got solid wills in place and that our children will not have cause to regret parents who "put their heads' into the sand".

Have you seen the outcome you were hoping for?

Yes. I'm pretty certain I'm in a better position today than if I'd just relied on the "defaults" offered by the big pension providers.

What could they have done better?

Can't think of anything offhand.

What were the circumstances that caused you to initially look for an adviser?

I received money from the sale of my home and inheritance monies. My parter who has used Ray for a number of years recommended him

How has Ray Best helped you?

Ray has invested my money from which I receive a monthly income. Also has dealt with my will.

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

Nothing that I can think of.

What were the circumstances that caused you to initially look for an adviser?

Having been made redundant I wanted advice on how to improve my pension investments to enable me to retire early.

How has Ray Best helped you?

He assessed my attitude to risk and moved my pension pot into investments that matched that criteria. Having then performed an in depth analysis he assured me that I could indeed retire. He conducts regular reviews with me and periodically amends my portfolio to match the current and future market conditions.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing in the circumstances of the turmoil induced by Covid, but the investments have remained robust and are performing well.

What were the circumstances that caused you to initially look for an adviser?

Diversify our savings and plan our inheritance

How has Ray Best helped you?

Helped to diversify our savings and plan our inheritance

Have you seen the outcome you were hoping for?

More or less in the present circumstances

What could they have done better?

I think they are doing the best they can for me

What were the circumstances that caused you to initially look for an adviser?

My current financial advisor for more than 6years had poorly managed my portfolio - in so far that its value had remained static!!

How has Ray Best helped you?

With his his skill and knowledge he reconfigured my finances and hopefully expect better returns.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really under the circumstances.

What were the circumstances that caused you to initially look for an adviser?

My husband was made redundant and we were unhappy with the returns from our existing pension provider.

How has Ray Best helped you?

By consolidating our pension into an investment portfolio, enabling us to retire early and is also providing excellent returns on our savings.

Have you seen the outcome you were hoping for?

Yes and more!

What could they have done better?

Can’t think of anything Ray could have done better and always look forward to our meetings.

Please provide a brief comment about your experience with Ray

sent me a copy of his book, lots to take in.

What were the circumstances that caused you to initially look for an adviser?

Bad investment advice from our bank financial advisor causing us to lose a considerable sum of our inheritance.

How has Ray Best helped you?

By completely reorganising our investments.

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

Totally satisfied with what he has done.

Please provide a brief comment about your experience with Ray

Very helpful.

What were the circumstances that caused you to initially look for an adviser?

I was made redundant in the early eighties and my wife and I became self employed and created a successful business in the Care Industry. As the business took off it was important for us to seek financial advice for our long term prospects.

How has Ray Best helped you?

Ray set up our Personal Pension Fund and managed to transfer my Pension Fund from my previous employers. He also gave us guidance on financial matters with our business as it progressed.

Have you seen the outcome you were hoping for?

Yes, we were advised to advised to invest quite heavily into a PPF and when we sold our business it proved to be very beneficial over a period of approximately 20 years.

What could they have done better?

Our Risk Ratings were checked periodically, and Ray insisted our portfolio selection matched our Risk Profile. Could we have done better without this constraint— debatable!

What were the circumstances that caused you to initially look for an adviser?

We have had many FA’s over the years. Our investments were all over the place - Ray sorted and consolidated everything for us and explained things all the way.

How has Ray Best helped you?

By listening and understanding our needs and with regular advice and updates. Recently we needed some funds which Ray sorted in a timely manner saving us undue stress.

Have you seen the outcome you were hoping for?

Absolutely! We have more knowledge of our investments than we have ever had and trust Ray implicitly.

What could they have done better?

Cannot think of anything tbh.

What were the circumstances that caused you to initially look for an adviser?

Having been in receipt of a legacy I felt I should find a financial adviser.

How has Ray Best helped you?

By advising me based on what what I saw as my financial security and long term requirements.

Have you seen the outcome you were hoping for?

I have seen an outcome exceeding my initial hopes.

What could they have done better?

I'm not sure that he could have done better either regarding his advice or the results achieved.

What were the circumstances that caused you to initially look for an adviser?

As we were entering the later phase of life, we needed to ensure investments were well diversified.

How has Ray Best helped you?

By establishing our attitudes to risk and designing portfolios suitable to those.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

It is difficult to identify anything as Ray as so thorough in what he does and the results have been excellent. It is possible to track performance through Transact, though it would be clearer if rates of return were calculated and available.

What were the circumstances that caused you to initially look for an adviser?

Until two years ago our investments were through major banks and we had become used to being small fish in a large pond where we had very little influence on investment decisions or advice on overall financial management.

How has Ray Best helped you?

Disappointed and frustrated we looked for a locally based IFA that could provide a comprehensive financial strategy covering investment, pensions, inheritance tax, wills, and life planning.

Have you seen the outcome you were hoping for?

We now feel appreciated and more closely involved with regular reviews, newsletters, and personal contact. Our investment portfolio has performed very well even in the last difficult 12 months. Ray has also been able to offer us very useful advice on using our investments to help our 3 children when they needed financial support.

What could they have done better?

At the moment we can think of nothing further that we require. We have no hesitation in giving an unqualified recommendation for Ray and his team at UnaVida.

What were the circumstances that caused you to initially look for an adviser?

Our original needs were for a trustworthy and patient advisor to help us through a challenging time with respect to family finances.

How has Ray Best helped you?

Having helped to stabilise things, Ray has been invaluable in proactively advising on investment decisions and putting in place a robust inheritance planning strategy.

Have you seen the outcome you were hoping for?

We are more than happy with the outcome as, inspite of the market uncertainties, our investments have continued to perform beyond expectations.

What were the circumstances that caused you to initially look for an adviser?

Consolidation of Pensions on retirement. Adjustment of finances resulting from my wife death. Inheritance Planning and investment through the Coronavirus crisis

How has Ray Best helped you?

Ray provided a one stop top quality service for property investment, ISAS, pensions, probate, trusts and inheritance planning

Have you seen the outcome you were hoping for?

With Rays guidance we have exceeded my expectations and grown my investments steadily despite the financial shocks of 2020

What could they have done better?

It would have been better if I had let Ray manage probate for me from the outset but I was not aware at the time that he could help with that

What were the circumstances that caused you to initially look for an adviser?

My long term financial plans were not where I felt they should be, and needed advice on how best to address this in the short and long term.

How has Ray Best helped you?

I was provided Ray's details by a contact at my companies benefits team as an independent financial advisor. Ray provided us with very open and direct answers to our questions and provided advice that focused our thoughts and actions. I was in a position to take his advice and we're reaping the benefits after a relatively short period of time.

Have you seen the outcome you were hoping for?

In some respects Ray has changed our lives over the past 18 months and his advice has given us choices I had never envisaged. Whilst some of it would be common sense to an expert like Ray, sometimes you need to be told the simple things that make the biggest impact. I am so glad we were introduced.

What could they have done better?

Being that Ray works so close to us, he could have been more visible. Having said that i'm not sure he could have done more, I am convinced we will extend the services we take from Ray over time.

What were the circumstances that caused you to initially look for an adviser?

My previous IFA had a very narrow vision regarding investments and relied one one fund manager to generate profits

How has Ray Best helped you?

It was a case of starting again, for the first time somebody asked me what my plans and ambitions were regarding retirement. We did not just look at investments but also wills and power of attorney’s trying to plan for all eventualities, Ray also helped me very sympathetically when I suddenly lost my partner to a terminal illness

Have you seen the outcome you were hoping for?

After previous investment experiences I had a very low expectations as in the past charges had taken most of the gains. I initially balked at Rays cost’s but in this case you do get what you pay for, a tailored personal service with regular updates and a very proactive approach. The growth I have benefitted from over years has made Ray’s charges fairly insignificant

What could they have done better?

No I really cannot think of anything

What were the circumstances that caused you to initially look for an adviser?

My mother had used Ray for many years, so when she passed away I carried out from where my mother left.

How has Ray Best helped you?

In so many ways, inheritance tax, savings and wills.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

I cannot find any faults in the way Ray has dealt with my money issues. His advice is second to none.

What were the circumstances that caused you to initially look for an adviser?

I wished to obtain advice on investing with the long-term aim of growing my assets and producing a retirement income.

How has Ray Best helped you?

He restructured my portfolio and provided advice on selecting funds to reach my long-term goals.

Have you seen the outcome you were hoping for?

Yes, even during the market volatility resulting from covid, Ray's advice has been sound.

What could they have done better?

It took time to establish a relationship where we understood each other. However, I feel that if I had asked more questions at the beginning of my engagement then this would have happened sooner.

Please provide a brief comment about your experience with Ray

I'm replying for my wife and I. When I saw Ray's charges initally, I thought they were a bit expensive. He did offer to reduce mine a little and adopt a simpler investment approach. My wife remained at his initial level. I am now back up to that too but not sure why! Not complaining as performance is very good. I never give full marks for anything. Always room for improvement.

Please provide a brief comment about your experience with Ray

They did not contact me. VouchedFor contacted me to ask if thay had and if they hadn't they would get in touch with them. This did not happen. Very poor service from both companies. I have now found a IFA myself.

Please provide a brief comment about your experience with Ray

Ray quickly found reasons not to offer his services to me when he realised my question was to do with final salary pensions. I felt that he was unhelpful and a little condescending rather than open and honest. I spoke to 2 other advisers who were very clear about their charges and the difficulties inherent with advising in this area, given the new legislation from the FCA. I would certainly not recommend Ray Best.

Please provide a brief comment about your experience with Ray

A very useful and informative meeting with an IFA with good interpersonal skills.

What were the circumstances that caused you to initially look for an adviser?

Inheritance Planning was very much in our minds. We attended seminars on both Planning and Investments and were impressed with both presentations. We had parted company with our previous financial adviser as we felt the service had tailed off. Having not looked at VouchedFor before becoming a client we were not able to give adequate answers to the questions below.

How has Ray Best helped you?

Initially the Inheritance Planning was tackled and then a review of our portfolio which resulted in major changes.

Have you seen the outcome you were hoping for?

We have only been with Ray for just over twelve months and have been happy with the Portfolio performance.

What could they have done better?

Nothing so far comes to mind.

What were the circumstances that caused you to initially look for an adviser?

Interest only mortgage needed lump sum to pay down

How has Ray Best helped you?

Investing pension to provide the money required to pay lump sum pay down on interest only mortgage.

Have you seen the outcome you were hoping for?

Work successfully in progress...

What were the circumstances that caused you to initially look for an adviser?

I was suggested to contact Ray from a company that are currently contracted to my place of work. We were looking for retirement and future investment planning.

How has Ray Best helped you?

Focused us on the right financial aspects of future retirement planning, and outstanding debt repayment and modelled why.

Have you seen the outcome you were hoping for?

Early days in volatile financial markets, however we understand and trust what Ray has suggested and are following a plan.

What could they have done better?

Still early days for us both on investments and the process we’re following however, working with Ray has changed our outlook and financial planning completely. No issues to date.

What were the circumstances that caused you to initially look for an adviser?

We wanted advise on setting up our Wills for our children - so there would be no lope holes in the future. Plus we were disappointed in the service we received from previous financial advisor(s) and wanted a better more personal service- which we received most definitely from Ray Best.

How has Ray Best helped you?

Good sound advice on the set up of personal trusts for our children. Ray took us thru this process step by step and helped us to understand what we were getting. Pension investment - advice was sound and understandable - all investments are a risk but we felt in safer hands and received a much better personal service than we have experienced before.

Have you seen the outcome you were hoping for?

Yes Trusts are set in place and we are happier knowing there is nothing to worry about financially, if the worst should happen.

What were the circumstances that caused you to initially look for an adviser?

I needed advice on investing in a pension and wanted someone to manage our ISA investments.

How has Ray Best helped you?

My business and family have been clients of Ray Best since 2002. He has provided sound financial advice and guidance about managing our investment portfolio of ISAs, SIPPs and general investments. We highly recommend Ray for his sound knowledge of the financial market place and his innovative approach to risk, wealth and investment management. We have also used the services of Wills Tax & Trust Ltd who have provided us with Wills and Power of Attorney documents It is well worth your time attending one of Ray's Public Information Seminars.

Have you seen the outcome you were hoping for?

He has successfully navigated us through the last 10-years of the turbulent financial market place and for that we are very thankful. Over the years we have come to trust Ray's advice and guidance and we highly recommend Ray.

What could they have done better?

Nothing comes to mind he has met all our expectations.

What were the circumstances that caused you to initially look for an adviser?

We have had many financial advisers in the past but our portfolio was not well organised. Ray checked everything we had and rearranged things so that everything was clear and we could see exactly what we had.

How has Ray Best helped you?

By organising our portfolio. By advising on inheritance planning. By giving pension and investment advice.

Have you seen the outcome you were hoping for?

Yes, definitely. Our portfolio value goes up year on year.

What could they have done better?

We are not aware of anything that could have been done better.

What were the circumstances that caused you to initially look for an adviser?

Concern over inheritance tax liability

How has Ray Best helped you?

Re-aligning our portfolios and correcting previous omissions

Have you seen the outcome you were hoping for?

So far so good

What could they have done better?

Could have maintained more of our ISAs by better timing of some re-investments

What were the circumstances that caused you to initially look for an adviser?

As the recipient of a legacy I realized that my knowledge re investment was totally inadequate & that the only way forward was to consult with & seek the advice of a financial adviser.

How has Ray Best helped you?

Ray, with great patience, explained full details of every step re his advice and, owing to my lack of knowledge in the field continues to do so.

Have you seen the outcome you were hoping for?

The outcome has exceeded my expectations throughout.

What could they have done better?

I honestly feel that in all the years that Ray has been my adviser there has never been an occasion when I felt any need to query, let alone question, any of the advice he's given me.

What were the circumstances that caused you to initially look for an adviser?

We were looking for a revised approach to the standard pension company investment strategy.

How has Ray Best helped you?

Consolidated our ISA's and pension pots into an investment wrapper that is simple to review and monitor performance.

Have you seen the outcome you were hoping for?

We have regular reviews with Ray with detailed explanations of future strategy and I have been able to retire.

What could they have done better?

Nothing that we can think of. Very glad we found Ray when we did, in fact wish we had found him sooner!

What were the circumstances that caused you to initially look for an adviser?

My wife and I had some very bad advice on our investments and our finances were in chaos. We were then recommend to Ray Best 18 years ago.

How has Ray Best helped you?

Ray sorted our mess out and reinvested in a much better portfolio which he managed meticulously, he was very proactive. We feel our finances are now safe and we can sleep at night .

Have you seen the outcome you were hoping for?

We have a regular income and I have been able to retire knowing we can maintain a comfortable lifestyle .

What could they have done better?

We can’t think of anything Ray would need to do to improve on the excellent service he gives us .

What were the circumstances that caused you to initially look for an adviser?

I wanted to consolidate several DB pension pots with a view to taking a draw down pension when I retire.

How has Ray Best helped you?

Moved the pots to a wrap service and periodically adjusts the investment trategy.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

No problems so far.

What were the circumstances that caused you to initially look for an adviser?

Initially we were looking at how we could achieve greater growth from an array of pensions and other investments that had been put in place by a previous financial advisor, and through various employer contribution schemes. More recently, after we had dealt with making finance and care arrangements for an elderly relative, we had not hesitation in seeking help from Ray to look at our own Inheritance Planning.

How has Ray Best helped you?

With patience and dilligence! It is never too much trouble for Ray to explain the various options that may be open to his clients and work through the relative merits in terms that make sense. In our case, particularly with respect to the arrangement that are now in place to protect the interests of our children, Ray was very understanding in recognising the particular requests that we had and ensured that our wishes were properly addressed by those arrangements.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

My previous pension scheme provider was one of the mainstream companies . Their very pedestrian performance was made worse by the high annual charges . I decided a more bespoke approach was needed to suit my circumstances

How has Ray Best helped you?

Ray took over my portfolio and came up with some innovative ideas based on my attitude to risk and timings leading up to my retirement. In just a few years the value of my fund grew way beyond my expectations, he helped me with the transition to retirement with some very good advice

Have you seen the outcome you were hoping for?

On the whole yes

What could they have done better?

Not all of the investments have worked out but I have concluded that is the nature of financial planning , most of Rays recommendations have shown to be profitable.

What were the circumstances that caused you to initially look for an adviser?

I needed sound advice and Ray has always provided this

How has Ray Best helped you?

Whenever I needed help and advice Ray has always been there to help

Have you seen the outcome you were hoping for?

Absolutely yes - Ray has always provided me with the help and advice to give my desired outcome

What could they have done better?

I'm not sure there's anything Ray could have done better - always been the advice and help I've needed and required

What were the circumstances that caused you to initially look for an adviser?

I have known Ray Best for more than 30 years. He first came to my assistance when I went into business with my wife and at that time we had to think about arranging a Private Pension Plan. I had had a company pension scheme which had to be amalgamated into a Private Pension Plan. Today we are enjoying the benefits of our Pension arrangement since we have now retired

How has Ray Best helped you?

By advising us to spread our investment in our Pension Plan and meeting with us regularly to update our Portfolio. He also gave good advice with an option of Power of Attorney and setting up Trusts to mitigate excessive Tax demands.

Have you seen the outcome you were hoping for?

Yes, now that I am are retired, I am reaping the benefits of sound advice in my investments.

What could they have done better?

Nothing that I am aware of.

What were the circumstances that caused you to initially look for an adviser?

We were badly advised by our Bank's " Independent Financial Adviser" . One of Ray's clients who is a friend of ours advised us to contact him .

How has Ray Best helped you?

He advised us that what had been done was totally wrong and so proceeded to completely restructure our investments.

Have you seen the outcome you were hoping for?

Yes, and more. He has helped us with setting up Trusts and Wills.

What could they have done better?

I don't think he could have anymore, we are very pleased with all he has done

What were the circumstances that caused you to initially look for an adviser?

I was recommended to Ray more than 20yrs ago whilst in business. I needed to look at pension planning and investments for the future.

How has Ray Best helped you?

Ray set up Pension Funds, ISA's and Investments. He has a vast knowledge of the ever-changing financial markets and crucially has his finger on the pulse so can advise on changes that need to be made quickly to one's investment portfolio. Ray also has a good team who specialise in Wills and Power of Attorney and I have used their services recently.

Have you seen the outcome you were hoping for?

Yes, I am very pleased to say that I now feel much happier for the future security of my investments and have been very satisfied with Ray's advice he has provided me with over the years. After selling my business Ray was able to advise me on financial planning into retirement. I am now happily retired.

What could they have done better?

I can not think of anything. I am very satisfied.