We’re Financial Planners
All complex processes start with a design or plan; this helps avoid problems further down the line. As Financial Planners and advisers, we take the time to get to know you. Why is this important? We need to know where you want your money to take you before preparing a road map to get you there.
Being independent, we have the freedom to search the whole market to find the best financial solutions for you. We aren’t tied to any particular product or provider; that means we can provide a completely bespoke service, based entirely on your goals.
Pensions, the lifetime allowance rules, investments and other nuances of retirement can be complex. In fact, Retirement planning is acknowledged as the most complicated area of financial advice. It's always best to seek advice from an expert with the tools, knowledge and experience to do the best job possible.
Our top-rated status
We have been featured in The Times’ guide to the UK’s top-rated financial advisers in both 2019 and 2020; making us the only local firm to be listed for both years.
Our expert team
Our hand-picked team are all highly qualified, experienced and continually push for professional excellence. Each has their own area of specialised expertise, and we work collaboratively to achieve the best results for our clients.
Our client feedback
Not only have some of our clients been kind enough to share their story with us, but we retain our 5-star rating on VouchedFor, an independent service that enables clients to review their professional advisers.
When we were founded in 2005, most firms earned their income from commission. This didn’t feel right to us, so we became one of the first fee-based advisers in the country. You can learn more about the fees we charge here.
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.
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.
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.
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.