This we are

Four Seasons: What financial advice should be

We were founded in 2005, back then most firms earned their income from commission. This didn’t feel right to us, so we became one of the first fee based advisors in the country. The FCA (our regulator) agreed with our view, and eight years later commission was banned for investment / pensions advice.

Today, we continue to innovate by being one of the first to offer:

  • Fixed initial advice fees (not percentage based).
  • Guaranteed value for money.
  • To specialise in retirement advice, in two main areas – 1) Getting to retirement in great financial shape 2) Advice at and during retirement.

We have grown from a one man band in a broom cupboard of an office in Epsom, to a team of five highly qualified and experienced specialists (Pensions, investments, tax and financial planning).

In 2008  we signed up to the market leading financial planning software called Voyant. We have a saying  “It’s better to prepare than repair”. What should you be preparing for, and indeed looking forward to?  What can you not repair easily, if things go wrong? What needs to be done, and when? Are you going to be OK?  We have helped over eighty clients answer these questions with the aid of our experience and planning tools.

In 2017 – We added the superb investment support from Ned Davis Research, including Tim Hayes (CNBC & Bloomberg contributor). This provides our clients with the personal service of a small firm, but with the research expertise of the leading and largest wealth management companies. The results have been incredibly positive.

We see our job as giving our clients. a better return on life, through their money.


“With a little luck and a lot of skill, anyone should be able to get rich playing the market.

If this describes you and your investment goals, we wish you all the best … but your story isn’t ours. We don’t help people gamble with what they’ve got in pursuit of more.


“Investing isn’t a game; it’s a discipline. I love having a financial expert who knows me, what I’m up against, and how to invest sensibly, preserving my money and protecting my personal interests.”

Would you like to spend your free time enjoying your wealth instead of forever chasing more of it – employing a sensible investment solution to help you do just that? If that’s your story, we’d love to help you live it.

We work best with people that realise google cannot supply insight and experience regarding retirement advice. They need an expert, don’t want to repair their own mistakes and would prefer guidance from someone they can trust.  If this is you – request a free consultation at our cost – we would love to hear from you.

Do we have minimum investment limits?

No, but we do have minimum fees to reflect the time required for at least two meetings, financial planning, research and report writing. Therefore, our average client has more than £200,000 invested, or has a household income in excess of £100,000 per annum and can save at £5,000 per month. We do not charge for initial consultation, book a telephone call to discuss if you are unsure. We are always happy to supply guidance and names of suitable advisers if we cannot help.


Ray founded Four Seasons thirteen years ago. “I wanted to offer something different from many other advisers. I wanted to concentrate on long term advice, building ongoing relationships and to be totally focussed on meeting our clients objectives, not selling products. These are still the guiding principle behind Four Seasons and the reason why we enjoy what we do.”

Ray is currently finishing off his retirement masterclass podcast series. He also enjoys helping new advisors on their career path.


Away from the office Ray’s married with two daughters, one of whom has just started at Durham University. He enjoys most sports, plays golf well enough to be frustrated on a regular basis and tries to keep fit on his road bike – but probably not as often as he should.


All financial advisers in the UK must be registered on the Financial Conduct Authority (FCA) register and hold a valid Statement of Professional Standing (SPS). In an age where we know it’s important to start building trust as soon as possible, you can find Ray’s on the FCA Register and you can read his SPS below.

You can view Ray’s entry on the FCA Register by clicking here

Statement of Professional Standing (SPS) can be viewed here SPS 2019:20

01372 404417
Global House
Ashley Avenue, Epsom
Surrey, KT18 5AD

Don’t put it off any longer – book your first consultation, on us.

Support team

Andrea Bourne
Client Manager
01372 404417
Fran Crawley
Senior Client Support
01372 440417
Robert Harper
Client Manager
01372 404417

Join Us – Vacancies

Financial advisor required  – Great remuneration package offered.

Must be chartered or working towards, have AF3 and or Voyant experience.

Have at least four years experience in Pension/ investment biased practice.

Direct applicants only – consultants do not contact unless you want to act free of charge.