Independent Financial Advisors Epsom

Specialising in retirement advice

This we believe

Retirement frees up precious time to indulge your interests. It is time to enjoy your creativity or sports ability, or just take sheer delight in taking it easy.

Our typical client does not want to spend this precious time:


  • About the type of income to take (drawdown or annuity)
  • How the markets will react to the latest news headline
  • Taking too much income, or too little.
  • about making costly mistakes.


  • About the jargon, and obscure pension rules.
  • regarding the paperwork
  • in regards to tax
  • Whether company A is better than B?

Instead, they want:


  • That they can afford that extra trip or helping out the family (extras – icing on the cake).
  • Why they need A over B, and how that’s going to benefit them.
  • How to minimise tax and how.
  • What investments will suit them the best and why.


  • knowing they have prepared and will not have to repair costly mistakes.
  • Not be worried when the next bad headline scares the life out of the average investor.
  • They have an advisor at the end of the phone or email to answer any queries and a team that knows who they are.
  • They will be OK because they have gone to an award-winning firm that specialises in providing advice at and during retirement.
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Scroll down to read what our clients have to say about our advice, service and value for money.
 Ray Martin, Independent Financial advisor Epsom
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Our Ratings from the “tripadvisor” of financial advice – VouchedFor

VouchedFor is an independent ratings firm and all reviews are verified. The information below shows how many clients gave us maximum marks of 5 out 5 stars. To view for yourself google “Ray Martin VouchedFor Epsom”

Advice Provided 95%
Service 95%
Value for Money 100%

Lifestyle Financial Planning

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