Karen Jermy

Compliance Consultant

Karen has worked in financial services for more than 20 years. She held a Head of Operations role for ten years prior to setting up on her own as a business consultant.

She now assists organisations in remaining compliant in the complexities of financial services’ regulatory environment.


Karen works with the Four Seasons team to ensure our processes and procedures are compliant.

Ray considers her to be his “personal trainer” in the compliance world.

Karen’s favourite part of her job is the variety of people she meets and her ability to put their minds at ease.


Karen has two grown-up children, one of whom is a finance grad, and the other has her own dog walking business.

In her spare time, Karen loves walking, skiing, sailing, trying to play the flute and visiting new places.

Karen in the spotlight

On an ideal weekend, where can we find you?

Walking through the woods and dancing the night away at gigs.

What’s your favourite holiday destination?

Anywhere I can find a mixture of culture and beach.

What’s your favourite song to play in the car?

Depends on the day of the week and how the flow of the traffic is!

What was the first album you bought?

Rainbow Rising.

If you could be any fictional character, who would you be?


If you could turn any activity into an Olympic sport, what would you win a medal in?

Being organised.

When the dessert menu arrives, what are you looking for?

Eton Mess.

What three qualities draw you to new people?

Their smile, friendliness and conversation.

What’s your pet peeve?


What’s the best gift you’ve ever received?

A day out with my friend.

Which three people would be at your dream dinner party?

Margaret Thatcher, Michelle Obama and David Jason.

What are three small things that make your day better?

Sunshine, cuddles and gin.

More team members

Ray Martin

Founder and Director

Fran Crawley

Assistant Client Manager

Katherine Mock

Paraplanner and Chartered Financial Planner

Reviews and Ratings for Financial adviser Ray Martin, Kingston-upon-Thames

We’re highly rated

We retain a 5-star rating on VouchedFor, an independent service that enables clients to review their professional advisers. The reviews and testimonials we receive are verified by VouchedFor, so you can be confident that they are authentic. 2018, 2019 & 2020 Top Rated Adviser, as listed in the The Times and Telegraph.

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Our former financial adviser was retiring and recommended Ray to us. He alleviated the constant worry of where to best invest our savings without too much risk. We’re very pleased with the results over the last 10 years. He explains things in layman's language, which we appreciate, and gives us the confidence we have made the right choices. What more can people expect?


We had pension policies and investments that needed sorting out ready for retirement. We didn't know what to expect from a financial adviser. We assumed that he would simply advise us where to get the best deals. How wrong we were. Ray took us right back to basics. He made us carefully consider what we really wanted to achieve. He has allowed us to start to really enjoy our retirement.


I needed financial advice about pensions and investments as I approached retirement. My wife was in the same position. Ray Martin worked out a comprehensive plan for putting my pension provision and savings into proper order. He did the same for my wife. He has continued to provide us with advice ever since. Ray is always straightforward, open and proactive.


I was approaching retirement and wanting to look into limiting taxation and Inheritance Tax, as well as providing for my wife. Ray provided sound advice to switch from my current arrangement to a Drawdown Pension and ISA investments. I have now retired and have started seeing the benefits of his advice. The returns on my portfolio have increased beyond expectation. Ray performed extremely well.


I had sold my house and didn't know how to invest the money. Ray invested very wisely and there has been about a 5% increase every year. He listened to our queries, gave answers that we fully understood and followed any requests. He always had time for us, and never rushed us. We would have been financially at a loss without his help.


Ray has been advising my wife and me for about 20 years. He is everything one could hope for in a financial adviser: wonderfully enthusiastic, extremely well informed, completely trustworthy and scrupulously observant of the regulatory requirements. He is able to explain complex matters very clearly, and so far, his advice has always been first class.


I had money to invest and had no idea how to go about investing it and hopefully making a gain. I have three children and wanted advice about inheritance planning. Ray is very patient, very clear when he explains things, he is very interested in me as a person, totally trustworthy and is an excellent listener. We have never been disappointed! He`s been brilliant.


I had just been widowed. Ray sorted out and simplified what was a very complex set of investments into a much less confusing portfolio. I have been extremely happy with everything Ray has advised over the last 12 years. Whilst moving with the times, he has dealt with all aspects of my investments wisely and given me all the guidance and help I have needed.


As the financial director of a company, I was seeking to get advice on how to plan and invest for retirement. Without a doubt, Ray Martin helped me understand and plan how to fund my retirement. Ray has been with me every step of the way. His advice has been invaluable. I retired and achieved my annual income goal. His continued advice is helping me in the next stage of my life.


I needed some advice regarding my late mother’s estate. I had also retired and required advice on how to manage my private pension. Ray was extremely helpful, and his advice was very clear and easy to understand. I came away from our initial meeting feeling very relieved and less stressed. We have just had our first yearly review and I was surprised how well my investments had done.


In the last 10 years, my circumstances have changed with the passage of time. Ray has guided me on how to protect and make my money grow. He listens carefully to my needs and gives clear, concise advice in a professional manner. He and his team are always accessible and patient with my questions and their approach gives me confidence that my finances are securely looked after.


Client stories


Planning for retirement

An accountant by trade, Mike knew the value of seeking the help of a financial professional when it came to planning for his eventual retirement. Here’s his story.

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Oliver & Rosie

Peace of mind in retirement

Oliver and Rosie have found the financial peace of mind they needed to enjoy retirement to the full. Here’s their story.

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