Reviewed for

Insurance and Protection ( 7 )

Mortgages ( 3 )

Pensions ( 103 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 33 )

Investments and Savings ( 68 )

Pension Transfers - Non Specialist ( 16 )

Inheritance Planning ( 23 )

Long Term Care ( 3 )

Pension Transfers - Specialist ( 17 )

Financial Planning ( 10 )

Financial Mentoring ( 4 )

Financial Coaching ( 2 )

Reviewers' assets

£500k+ ( 22 )

£200k - £500k ( 14 )

£100k - £200k ( 16 )

( 1 )

£50k - 100k ( 14 )

Up to £50k ( 8 )

Client reviews

Repeat review from verified client

March, 2024

Overall

Advice

Service

Value

Based in North Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray Garnett Ray has been efficient and professional whilst dealing with my trust. He has kept me updated throughout the whole process and has dealt with my queries promptly. I would highly recommend Ray Garnett.

Ray's reply

Thanks for taking the time to write a review Tim. I will see you at the solicitors to sort out your Estate planning.

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray is always happy to advise on any financial issues and the correct way to look at issues.

Ray's reply

Hi Suzanne, Thank you for taking the time to write a review it is very much appreciated.

Repeat review from verified client

February, 2024

Overall

Advice

Service

Value

Based in North Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Continues to provide a no fuss service

Ray's reply

Hi Julia, Thank you for taking the time to write a review, it is appreciated. As always do not hesitate to contact us if we can be of further assistance in any way.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in North Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Always been there for any questions, concerns and investments

Ray's reply

Hi David, Thank you for taking the time to write a review. It is very much appreciated because I know how busy you are.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Keeping us up to date and making suggestions what paths to take.

Ray's reply

Thank You for taking the time to write a review. As always please do not hesitate to contact us if we can be of further assistance in any way.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

giving good easy advice to understand and all round nice bloke

Ray's reply

Hi Tony, Thank you for taking the time to write a review - it is much appreciated. Just to clarify although I do not charge you a fee as such for our annual review meetings and routine ad-hoc assistance from time to time, this is all covered by the on going adviser charge which is deducted from your pension fund and payed to us by your pension provider. I am sure you understand this but if not please get in touch.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in Derbyshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Annual reviews of investment portfolio for sip

Ray's reply

Hi David, thanks for taking the time to write a review. As always please do not hesitate to contact us if we can be a further assistance in any way.

Repeat review from verified client

January, 2024

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has continued to support me now I've retired giving valuable insight to the market and what best to do with my multiple pensions. He's always quick to respond to emails and happy to talk where the answer is more complicated or detailed to ensure I have a full understanding of my options.

Ray's reply

Hi Adrian, Thank you so much for taking the time to write a review, it really is appreciated. As always do not hesitate to get in touch if we can be of further assistance in any way.

Repeat review from verified client

January, 2024

Overall

Value

Advice

Service

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ongoing advice regarding drawdown and strong understanding of my lifestyle/income requirements

Ray's reply

Hi Richard, Thank you for taking the time to write a review and as always do not hesitate to get in touch if we can be of further assistance in any way.

Repeat review from verified client

December, 2023

Overall

Advice

Service

Value

Based in East Riding

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has continued to oversee our investments and financial planning. We were considering whether to increase the level of risk of our investments, in view of our time of life, and before deciding we sought Ray's advice given his wealth of knowledge and experience. His guidance was both constructive and welcome.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

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

I needed to maximise the returns from my pension.

How has Ray Garnett helped you?

Explained the reasons investments might not perform as well as hoped

Have you seen the outcome you were hoping for?

Yes from Ray, but not from the economy!

What could they have done better?

Not sure, retrospective assessments are easy as we have hindsight.

Ray's reply

Thanks for the great review Howard. It really is appreciated.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in South Yorkshire

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

Fed up of the constant changes of IFAs with the bank who originally held our investments

How has Ray Garnett helped you?

Ray has helped members of my family and myself for over 30 years now initially advising re long term investments and more latterly pensions ,probate and investment advice buying property

Have you seen the outcome you were hoping for?

Certainly have seen growth of investment and received good advise re retirement etc

What could they have done better?

Do not consider anything could have done better

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Yorkshire

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

To invest our savings and pension

How has Ray Garnett helped you?

He has advised us where to put our savings and pension with a beneficial outcome

Have you seen the outcome you were hoping for?

No

What could they have done better?

Growth

Ray's reply

Hi Steve, Thank you for taking the time to write a review. Coincidentally, I am working in the background on a solution that would improve your retirement income with minimal risk. I am just waiting for some figures to make sure it all stacks up before i present it to you.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

yes

Ray's reply

thanks Tony. Always happy to help and it is good to know that you value this. Thanks for taking the time to write a review.

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Yes

Ray's reply

Hi Richard, Thank you for taking the time to write a review. It is very much appreciated.

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Nottinghamshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

He stays in contact and keeps me informed of the current difficult situation regarding investments

Ray's reply

Hi Ian, Thank you for taking the time to write a review. It's also good to know you have confidence in us.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

I Knew Ray when he worked at an accountants that I used.

How has Ray Garnett helped you?

Ray has moved several of my wife's and mine smaller pensions into a portfolio.

Have you seen the outcome you were hoping for?

he outcome was good until Russia invaded Ukraine but as with most investments they normally come back, its just a waiting game.

What could they have done better?

I doubt if Ray could have done anything better, he knows his trade and has looked after us for some time now.

Ray's reply

Hi Colin, Thanks for taking the time to write a review, it really is appreciated. I am pleased to note that you understand its best to ride out the downturn in valuations until markets recover. It is those who panic and take knee jerk action, that lose money.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

Needed higher performance from my pension

How has Ray Garnett helped you?

Pre-pandemic all was well, dissapointed with performance post pandemic, but I realise this is not due to Ray personally

Have you seen the outcome you were hoping for?

No

What could they have done better?

Maybe navigated around the declines in investments?

Ray's reply

Hi Howard, Thank you for taking the time to write a review. I take your point regarding navigating you through the decline in values but in the current climate that is almost impossible whilst retaining a globally diversified portfolio, anything else is pure speculation and we do not bet on red or black. You have acknowledged that the market declines cannot be blamed on me / us which I appreciate. Hopefully the explanation I gave you at your last review reassured you, but if not and you think we should be doing more please do get in touch with me as a matter of urgency.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Manchester

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

confirmation that even though the market fluctuations aren’t in our favour at the moment ,the same vision for a healthy return when needed is still the main objective ,and a patient attitude with no unnecessary knee jerk reactions to what’s happening in the world is the best option at the moment in our case .

Ray's reply

Thank you so much for taking the time to write a review and i am pleased you feel comfortable talking to me about all life challenges. i am always happy to help, if I can. thanks again.

Repeat review from verified client

October, 2022

Overall

Advice

Service

Value

Based in South Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Given sound advice regarding my retirement income

Ray's reply

Thank you for your kind comments, its good to know you are happy with the service we provide.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

Ray contacted me through the accounts we had at the time.

How has Ray Garnett helped you?

Ray has put several small pensions into one.

Have you seen the outcome you were hoping for?

We initially had decent gains, the current issues with energy and the cost of living increases appeared to have slowed things down somewhat.

What could they have done better?

I don't believe he could have done anything better under the current circumstances.

Ray's reply

Hi Colin, Thank you very much for taking the time to write a review. It is very much appreciated. Please give me a call so that I can further explain the things you are not sure about. Thanks again.

Repeat review from verified client

February, 2022

Overall

Value

Service

Advice

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has assisted me in making the correct decision for a future project, which I greatly appreciated.

Ray's reply

Thank you for taking the time to post a review. Please let me know how we can improve our service to get a 5/5.

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Ray

Very professional and knowledgable

Ray's reply

Thanks Ian, I am delighted to have made a good first impression and i can assure you of our best attention at all times. Please do not hesitate to contact us if we can be of assistance in any way.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has kept us informed of our investments. We are due a meeting and I am sure Ray will be efficient as before.

Ray's reply

Thank you for taking the time to write a review. I will be in contact as usual for you annual review but if there is anything else we can help with in the meantime do not hesitate to contact us.

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

yes with withdrawal from pension for home improvements

Ray's reply

It is a pleasure Tony. Thankyou for taking the time to write a review.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

Rationalisation of multiple pensions and review of the returns provided by my incumbent pension funds.

How has Ray Garnett helped you?

Ray provided industry and regulatory insight into my options and a complete review of my future finances including cash flow projections. This was provided in a detailed assessment of my situation, approach to risk and future needs. He provided advice on what was performing well within my incumbent funds and what could be improved. He provided access to the transfer of some of my funds into a single framework.

Have you seen the outcome you were hoping for?

It's difficult to say in terms of financial return as the market is so volatile however I can now manage the funds that were transferred more easily. The financial planning was useful insomuch as I now know what my future positions look like.

What could they have done better?

Due to delays with my incumbent funds supplying updated valuation, t&c etc the report took longer than expected to complete - not Ray's fault but updates could have been more frequent.

Ray's reply

Hi Adrian, Thank you so much for taking the time to write a detailed review, its great to know that you found the whole experience useful and you are now in a better place. Its also very useful when clients provide constructive suggestions of how we could have done better which we have taken on board.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

we came into family inheritance & thinking about our retirement

How has Ray Garnett helped you?

He merged our Private Pension pots for us & and gave us advice what to with our available funds and set up a Stocks & Shares Isa when our original bonds etc matured. Finally he put us in touch with a young man who deals with Funeral Plans,Wills and Lasting Power of Attorney etc which was very helpful.

Have you seen the outcome you were hoping for?

Not yet it is an ongoing Project. but he is managing our Finances for us as our children live away

What could they have done better?

Nothing, everything is going along fine we hope.

Ray's reply

Thank you Ken very much for taking the time to write a review. Its great to hear we are doing a good job for you.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

Retirement and pension pot transfer with flexible drawdown requirements.

How has Ray Garnett helped you?

Provided exactly what we asked for in a tax efficient manner.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

N/A

Ray's reply

Thank you very much for those kind words. I always try my best to explain things in a way that you can understand and make the effort to be available whenever needed.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

Early retirement and pension transfer

How has Ray Garnett helped you?

Supported and advised on optimum retirement date, pension transfer process , attitude to risk and investment /drawdown strategies

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Covid restrictions has limited face to face meetings but I don’t think Ray and team could have done more

Ray's reply

Hi Richard, Always happy to help in any way I can. Thank you for taking the time to write a review.

Review from verified client

December, 2021

Overall

Service

Advice

Value

Based in West Yorkshire

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

I needed to plan for some long term security of assets for my family.

How has Ray Garnett helped you?

He offered best advice for the future,

Have you seen the outcome you were hoping for?

Time will tell, but everything is going in the right direction now

What could they have done better?

Maybe slightly less paperwork, but I would like to think everything was covered

Ray's reply

Hi Ted, Thanks for taking the time to write a review, it really is apricated.

Repeat review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Had a pensions review and generally kept things as they were and carrying on

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Nottinghamshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

To be honest following my last review there is no reason to change anything at all my funds are growing above my expectations.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has always provided me with very clear updates of my investments . Any requests for withdrawal from my portfolio are dealt with quickly and efficiently.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in North Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Pension and investment.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Always available to answer my questions/queries regarding the changing rules etc on pensions

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Manchester

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

recent advice on what the options are next and the best way of accessing funds when needed on retirement and the ideal scenario with the dates becoming imminent.whilst still being secure for the future

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Confidence for my retirement

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Nothing has changed since our last review, COVID has had an obvious impact on meeting face to face but Ray organises ZOOM meetings if there are any updates.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

personal care and attention

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

being on hand to call when i had a question to ask in person, always makes himself available.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray and his team have continued to deliver good results despite challenging times and markets. I have also taken out further investments/products under Ray's recommendation

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has looked after an additional investment to my savings platform.

Ray's reply

Thank you Andrew I really appreciate you taking time to write a review.

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in South Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Since the death of my husband in 2018 Ray has provided me with extremely helpful Support and advice in dealing with my late husbands estate.He continues to do so on behalf of myself and son.

Ray's reply

Thank you Bev. I really appreciate you taking the time to write a review.

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Always a first class service, Our pensions are doing very well in the current climate. Ray explains things in a plain and easy to understand way.

Ray's reply

Thank You Colin. I always try to explain things in an easy to understand way and its nice to know that it comes over that way. I really appreciate you taking the time to write a review.

First impression from a user who is not yet a client

May, 2021

Overall

Please provide a brief comment about your experience with Ray

So far, so good. Ray explains everything in plain English and is not at all pushy. His advice so far has been encouraging.

Ray's reply

Thanks for taking g the time to write a review. It is very much appreciated.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray put my mind at rest over recent dips in investments. He reviewed my situation and assured me I was still on track to meet my goals going forward. I trust his advice 100% and there is no better thing than peace of mind.

Ray's reply

Thanks Julie, it’s great to know it’s given you peace of mind, which is priceless.

Repeat review from verified client

March, 2021

Overall

Advice

Service

Value

Based in North Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray’s clear and concise advice during the COVID pandemic and Brexit was priceless. I know if ever I need him, he’ll be there setting out the options, highlighting the risks and benefits and helping me with my financial planning.

Ray's reply

Thanks Paul for such a glowing review. It makes the job so rewarding knowing how much our advice is valued.

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Advice on pension and investing a lump sum

How has Ray Garnett helped you?

Very straighforward, helpful advice that made clear the benefits of different options

Have you seen the outcome you were hoping for?

I am waiting for my free report to take the advice to the next stage

Ray's reply

Thank you for taking the time to write a review it is very much appreciated and helps others who may be apprehensive about taking the first steps to getting advise. We always try to explain things that may be complex in a way that a new investor can understand and i am delighted that you found this to be the case.

Repeat review from verified client

February, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray is always extremely helpful and explains everything in an easy and understanding way.

Ray's reply

Thank you, Suzanne for taking the time to write a review.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

It has been difficult this year due to lockdowns etc but Ray has kept in touch and sent out our investment and pension plans. It will be better when the pandemic is over and we can sit down with a coffee and discuss.

Ray's reply

Thank you Steve, I very much look forward to that coffee!! And a trip to Portugal wouldn’t go a miss.

Repeat review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

yes when I retired from work December 2020

Ray's reply

Thanks Tony, I hope you are settling in to retirement well.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Yorkshire

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

Investments and pensions

How has Ray Garnett helped you?

Ray gave brilliant tailored advice

Have you seen the outcome you were hoping for?

Early days as I have only had one consultation

Ray's reply

Thanks Sarah, don’t hesitate to ask if we can be of further assistance in any way.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Ray

Already done this - good service

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Derbyshire

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

Transferring a company and private pension after being made redundant.

How has Ray Garnett helped you?

Ray took me through the process of selecting the best package for my circumstances and advised on the best portfolio to invest in.

Have you seen the outcome you were hoping for?

I have had an excellent outcome with my portfolio performing better than I could have hoped.

What could they have done better?

The financial advice is excellent but not sure the will writing service was the cheapest.

Ray's reply

Thank you David, for taking the time to write a review. It is important for us to know we are doing a good job as well as helping the public to find a trusted adviser.

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Ray

straightforward and easy to follow

Ray's reply

Thank You very much for taking the time to leave a review, especially as, due to your family circumstances I could not come up with an acceptable solution for you. I am pleased though that you appreciate the efforts our team put in.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Lincolnshire

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

I required Advice about transferring two pensions.

How has Ray Garnett helped you?

Ray was a wealth of information and took his time to clearly outline my options.

Have you seen the outcome you were hoping for?

The outcome was not possible but this was due to regulatory reasons and nothing to do with Ray or the business

What could they have done better?

Nothing the information was spot on

Ray's reply

Thank you very much, I am sorry it was not the outcome you wanted but at least you did not waste any money on expensive advice that would have ended up with the same result.

Repeat review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray has been invaluable to me in providing planning for my retirement. Nothing was too much trouble for Ray, and he has been there every step of the way and provided me and my family with simple, concise and plain common sense advise.

Ray's reply

Thank you very much Simon for your review. Its really good to hear we are delivering an excellent service, because we really do work hard to go the extra mile.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Yorkshire

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

i wanted to try and invest my money to the best of what was on offer

How has Ray Garnett helped you?

ray gave me the best advise and explained everything i needed to know

Have you seen the outcome you were hoping for?

as good as the situation the world is in at the moment

What could they have done better?

i got all the advise that i needed. if i needed to contact ray he would explain any problems that i have and gave me the assurance that i needed under the state the world is in at the moment

Ray's reply

Thank you Karen, the fact your funds have not lost money in these difficult times shows the actions we have taken are working. Things should improve once everyone has been vaccinated and businesses can get back to normal.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Ray

Very decent, spelt out everything, telephone manner was brilliant, polite, waiting for my forms to come through and then the fun begins. Thanx Ray!!

Ray's reply

Thanks Craig, its always good to know we have created a good first impression.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Kept me up to date with my investments during these uncertain times.

Ray's reply

Thank you Bill, its during these uncertain times that people need to know we are looking after their investments.

Repeat review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Nottinghamshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

My last contact with Ray was just two monthes ago when he called just to check all was well and i did get some advice on draw down and my options in the future given my age the information on the cap at 75yrs was handy to know.

Ray's reply

Thank you Ian. We always try to ensure our clients are well advised, pensions can be very complicated if you don’t understand all the rules.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Ray

Absolutely brilliant guy! Advice given was genuinely impartial and in my best interests . All advice given was clear and uncomplicated and always genuine and honest .

Ray's reply

Always happy to help Graham, I am pleased you found the experience to your satisfaction and thank you for taking the time to write a review.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Ray

Very helpful and very easy to chat with

Ray's reply

Thank you for taking the time to write a review. Sorry we could not help on this occasion but please do feel free to come back to us at any time.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Yorkshire

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

We needed pension and long term finance planning

How has Ray Garnett helped you?

He gave simple and clear advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We have been using Ray for a number of years and our investments have improved over the period

Ray's reply

Thank you for taking the time to write a review it really is appreciated. As always please feel free to contact us, if we can be of further assistance in any way.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

I needed guidance on how to invest my pension with my inheritance more recently .

How has Ray Garnett helped you?

Ray went through options after l completed a questionnaire that identified my ‘risk’ status

Have you seen the outcome you were hoping for?

It’s an ongoing process . Ray has kept me informed about my portfolio and advised me accordingly .

What could they have done better?

I dont think there is anything to make comment about. Ray has always explained things to me in a manner that l can understand as a none Finacial person.

Ray's reply

Thank You Alison, we always try to explain what are often complex issues in a way our clients can understand them. We always work on the principal, that if a client does not understand, it is us that is not explain things correctly.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Self employment

How has Ray Garnett helped you?

Pension planning

Have you seen the outcome you were hoping for?

Yes

Ray's reply

Thank you Julian.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Yorkshire

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

Downturn of banking interest rates and pension requirements

How has Ray Garnett helped you?

With honest information and advice

Have you seen the outcome you were hoping for?

Yes

Ray's reply

Thank you for taking the time to write a review, Glyn. Its a pleasure to help you in any way we can.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

For business and personal financial advice.

How has Ray Garnett helped you?

I felt I had more time to focus on my business knowing Ray had taken care of everything

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

personally I can't think of anything Ray could have done better.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

I had a small retirement lump sum which I wanted to invest ethically.

How has Ray Garnett helped you?

He listened really carefully to what I would and would not be happy to invest in. He fully understood my caution as a first time investor and did a considerable amount on research into funds that might meet my ethical criteria.

Have you seen the outcome you were hoping for?

I am very content with the work that was done on my behalf.

What could they have done better?

This is not something that my advisor could do but which the investment industry as a whole needs to act on. There is no standard requirement for companies to declare whether or not their activities involve the use or abuse of animals I.e.are they vegan friendly.

Ray's reply

Hi Jan, Thank you for taking the time to write a review, it is very much appreciated. Your views are shared by many and ethical investment is becoming much more main stream and the returns (both Finical and morally) can be very rewarding too.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

55, DB pension. Lifestyle needs

How has Ray Garnett helped you?

Credible analysis. Incisive insights. Trusted advice. Impeccable execution.

Have you seen the outcome you were hoping for?

Absolutely yes.

What could they have done better?

Just keep doing what you do so well

Ray's reply

Hi Richard, Thank you so much for taking the time to leave a review, it really is appreciated. We always aim to provide unbeatable customer service and its great to know that it is being well received. Thanks again. Kind regards Ray

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

I have my own business so I thought it would be better to have advice from an expert.

How has Ray Garnett helped you?

Ray helped me by consolidating my pensions and assisted with estate planning.

Have you seen the outcome you were hoping for?

Up to now all is good. Covid-19 may have a negative impact in the short term but I trust Ray and I am confident he will keep things on track.

What could they have done better?

There is nothing that Ray could have done anything better. He is very competent in what he does.

Ray's reply

Thank You Colin, for taking the time to leave a review and we really appreciated you referring us to your Friend. There is no better reward than knowing our clients are happy to recommend us.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Access to non-high street investments

How has Ray Garnett helped you?

Ray got in touch straightway and seemed very knowledgeable. He took time to explain options and emailed me some paperwork so I could read this at my leisure.

Have you seen the outcome you were hoping for?

Yes

Ray's reply

Thank you for taking the time to write a review, it is very much appreciated. We always strive to provide a first class professional yet friendly service. We truly grateful for your valuable business and assure you of our best attention at all times.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Defined benefit pension cetv & transfer

How has Ray Garnett helped you?

Explanation of transfer requirements

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, I have a wide experience of pensions, but with Ray's ability and qualifications he was able to explain reasons that are difficult to obtain without certain information and qualifications

Ray's reply

Thank you very much John, i am pleased i was able to help, please do come back to us when you are considering retirement (Or any time for a quick chat) as the rules and guidance are constantly evolving.

First impression from a user who is not yet a client

October, 2020

Overall

Please provide a brief comment about your experience with Ray

Good initial chat about my requirements and circumstances. Ray's friendly and welcoming manner put me at ease. Agreed next steps to understand what options I have open to me. He explained that there are recent changes to legislation and need to operate within these which takes time to progress so my expectations fully set. Looking forward to hearing how Ray and Utopia FP can help me.

Ray's reply

Thanks very much Adrian, I am delighted the first impression was good.

Repeat review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

This review is a follow-up review from a client who left a review previously.

How has Ray Garnett helped you since your last review?

Ray as usual asks about my requirements and then ensures that our current investments are meeting those requirements. Unfortunately Ray is not a miracle worker and therefore cannot guarantee the markets will perform to our best advantage especially in these rather difficult times.

Ray's reply

Thanks Kieth. Stay safe and Well.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Ray

So helpful, fully explained everything in easy to follow terms. Always returned calls and messages very promptly. Will def recommend Ray to friends and family . Thank you Ray for all your help.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Ray

Absolutely brilliant , clear and concise advice given . This pensions transfer area is a minefield but Ray was a massive help to be. Would def recommend him to others .

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Retirement

How has Ray Garnett helped you?

Provided advice on various options

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in North Yorkshire

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

I needed advice on what to do with my investments, company pension and future planning

How has Ray Garnett helped you?

Ray was very straight forward and gave options but most importantly recommendations of what we should do.

Have you seen the outcome you were hoping for?

Yes - and I continue to work with Ray on a larger number of solutions.

What could they have done better?

I dont think there is a lot that could have been done better.

Ray's reply

Hi David, Thank you for taking the time to write a review, I know you are very busy so its very much appreciated. Its also nice to know that you don't think we can do much better. Kind regards Ray

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Had a few pensions

How has Ray Garnett helped you?

Advice and what to do simply

Have you seen the outcome you were hoping for?

Yes but not 2019 due to climate

What could they have done better?

Not really

Ray's reply

Thanks Tony. Really appreciate you taking the time to write a review.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Ray did a great job in collating all the relevant information for pension funds etc that we had over the years.

How has Ray Garnett helped you?

He was very professional and helped us to understand the pension system and how to invest it.

Have you seen the outcome you were hoping for?

Yes it is bobbing along nicely but not come to fruition as yet.

What could they have done better?

He did a superb job, always comes back to us and is very willing to see us here in our home.

Ray's reply

Thanks Steve and Sandra, its reviews like your that make the job so rewarding, its great to know we are helping people understand a very complex subject. Thanks Again.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Yorkshire

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

Considering transferring a deferred DB pension to SIPP.

How has Ray Garnett helped you?

Outstanding sound and wise perspective on the issue in hand, and it's context and consequences.

Have you seen the outcome you were hoping for?

Absolutely. Thanks to Ray's knowledge and experience I have the advice and recommendation which is right for me, and most important it is clear from Ray, why it's right for me.

What could they have done better?

Served better coffee. That's all. Nothing else. At all.

Ray's reply

Thank you so much for a great review, I always go out of my way to try and impress. If all my clients were as responsive as you, in providing information or documentation it would make my job a lot easier. It was a pleasure to do business with you.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Derbyshire

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

I have known ray for many years and knew of his expertise, I needed help to sort my pensions/will and was not sure how to proceed.

How has Ray Garnett helped you?

He arranged for the transfere of my pensions and advised the best way for them to be managed

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Ray has been excellent in guiding me through the process and managing all my requirements so not sure he could have done more

Ray's reply

Hi Chris, Thank you for those kind words and taking the time to write a review. I am glad I have been able to help you and please do not hesitate to ask, if we can be of further assistance in any way. Kind regards Ray.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Regular savings

How has Ray Garnett helped you?

Explaining British regulations and how to make the best of our money

Have you seen the outcome you were hoping for?

Yes, perfectly, with every questions quickly and openly answered

What could they have done better?

Nothing I can think of

Ray's reply

Hi Flavien, Thank you for taking the time to write a review. It is very much appreciated. As always do not hesitate to contact us if we can be of assistance in any way. Kind regards Ray.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

previous poor performance

How has Ray Garnett helped you?

brilliantly

Have you seen the outcome you were hoping for?

the markets dictate the performance but I am pleased with the way Ray reacted to this.

What could they have done better?

nothing in my opinion

Ray's reply

Hi Howard, Thank you very much for taking the time to write a review. Do not hesitate to contact me if I can be of further assistance in any way. Kind regards Ray

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

I had a number of pension funds from jobs that I had during my career and required advice to consolidate them and arrange a monthly drawdown when I retired.

How has Ray Garnett helped you?

He advised me on the options available get me and then organised my funds consolidation and investment to incorporate a monthly drawdown. In addition he gave me excellent advice to enhance our inheritance options.

Have you seen the outcome you were hoping for?

Yes it was very efficient and the investment vehicle has given reasonable returns.

What could they have done better?

I felt the whole process covered all the options available.

Ray's reply

Thanks Pete, I really appreciate you taking the time to write a review.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Yorkshire

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

Looking for a better return on pension investment

How has Ray Garnett helped you?

Moved my pension to a higher risk, higher return portfolio which has increased in value over the time I have been working with Ray

Have you seen the outcome you were hoping for?

Yes, pension investment ongoing...

What could they have done better?

Nothing specific

Ray's reply

Hi Richard, Thank you for taking the time to write a review. It is very much appreciated. Please do not hesitate to contact me if I can be of further assistance in any way. Kind regards Ray

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Had an existing ex company pension who offered a financial incentive to leave, needed expert advice & guidance.

How has Ray Garnett helped you?

assessed my current pension plan, then offered his advice and guidance in a clear and understanding way.

Have you seen the outcome you were hoping for?

percentage growth has been what you would expect in these difficult times but all in all not disappointed.

What could they have done better?

not being an expert in the financial world it would be difficult for me to say what he could have done better? however i do have every faith in Ray as a person and as a professional, he is always prepared to answer any questions that i may have and is prepared to spend time and explain clearly.

Ray's reply

Thank you Alex for taking the time to write a review. It is very much appreciated. Please do not hesitate to contact me when you are ready to crunch some numbers to plan your future cash flows or if I can be of assistance in any other way.

First impression from a user who is not yet a client

October, 2019

Overall

Please provide a brief comment about your experience with Ray

I would highly recommend Ray, he explained my situation in simple clear terms and help guide me through a potential minefield. I will be contacting Ray with all future financial situations.

Ray's reply

Hi Darren, Thank you very much for taking the time to write a review. It is very much appreciated. We are whenever you need us in the future. Kind regards

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Derbyshire

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

Being made redundant and looking to invest my pension in a SIPP

How has Ray Garnett helped you?

Ray looked at the pension pots I had and advised on where to invest my money.

Have you seen the outcome you were hoping for?

Yes and more.

What could they have done better?

I am very pleased with all the advice I received and don’t believe he could have done anything better.

Ray's reply

Hi David, Thank you for taking the time to write a review. I am pleased you are happy with our service. As always we are here if we can be of assistance in any way. Kind regards

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in South Yorkshire

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

Thirty years ago my late husband and I were looking to invest money after being dissatisfied with the financial advisers (constantly changing) at the building society.

How has Ray Garnett helped you?

He agreed to look at our finances at our request making changes in order to provide better outcomes.

Have you seen the outcome you were hoping for?

Outcomes have exceeded our expectations in most cases.

What could they have done better?

Not got involved with traded endowments however he was extremely helpful in bringing the matter to a satisfactory conclusion.

Ray's reply

Hi Bev, Thank you for taking the time to write a review. Its been a pleasure dealing with you and your family (Well most of the time!!) You are like my second family and I will always treat you as such. As always don't hesitate to ask if we can be of assistance in any way. Thanks again Ray.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Widowed

How has Ray Garnett helped you?

Sorted out an investment for me

Have you seen the outcome you were hoping for?

Not quite as much return as I hoped for

Ray's reply

Hi Tina, Thank you very much for taking the time to write a review. I am sorry you did not get a return as much as you hoped for but this was because of your very cautious attitude towards investment risk. We could have got you higher returns if you had be more willing to take a bit more risk. I do hope your house move to Lytham St Ann's goes well and you enjoy your time there. Kind regards

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Having some capital to invest and wanting to achieve a better return than offered by the high street banks and building societies

How has Ray Garnett helped you?

Ray suggested a range of investments with various levels of risk and potential return and he helped me to draft a portfolio tailored to my needs and attitude to risk.

Have you seen the outcome you were hoping for?

So far so good. To date my investment has performed very well considering the present economic climate.

What could they have done better?

Nothing. Ray has been completely professional in all aspects of his service and his advice and explanations have always been well explained and easy to understand.

Ray's reply

Hi Andrew, Thank you for those kind words, we always try to deliver our services in the way we would like to receive them. As always we are here whenever you need us. Thanks Again. Kind regards Ray.

Review from verified client

September, 2019

Overall

Service

Advice

Value

Based in West Yorkshire

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

I had a private pension that I did not believe was performing as well as it could do

How has Ray Garnett helped you?

Ray advised me of a number of products on the market and facilitated a transfer

Have you seen the outcome you were hoping for?

I have transferred pension recently not really been in it long enough to see how it compares

What could they have done better?

not much really

Ray's reply

Thanks for taking the time to write a review Andrew, It is very much appreciated. As always please feel free to contact us, if we can be of further assistance in any way. Kind regards Ray

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in Yorkshire

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

I was made redundant and set up my own business. The motor traders pension I was enrolled in ceased of course. I made several attempts to trace it to reinvest for my own personal pension being self employed now. All attempts failed. Ray came along to introduce himself and with my permission was able to do what I couldn't.

How has Ray Garnett helped you?

He retrieved my previous employer's pension and set up my own. He also helped my wife invest her retirement lump sum

Have you seen the outcome you were hoping for?

Yes I am now drawing from my pension fund

What could they have done better?

We can't think of anything as Ray has many years experience and gives very clear advice

Ray's reply

Thank you Richard, both for the great review and yours and Jenifer's continued business. I hope you both have a long and comfortable retirement and as always I am only a phone call away, if we can be of further assistance in any way.

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Necessary to use a financial advisor to draw from my pension pot.

How has Ray Garnett helped you?

Despite, hassle from the company he advises for, he worked hard to get me what I waned from my pension pot. His company were trying to advise me to take less than the amount that I needed.

Have you seen the outcome you were hoping for?

Yes/

Ray's reply

Hi Alan, Thanks for taking the time to write a review, its very much appreciated. I hope everything is going well for you. Kind regards

Review from verified client

September, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

We have been clients of Rays for several years and always will.

How has Ray Garnett helped you?

Ray assisted us with Estate planning and pensions.

Have you seen the outcome you were hoping for?

I have seen the outcome from previous years so we are going to have to wait for the new ones.

What could they have done better?

Ray is very thorough, I dont believe he needs to try any harder to improve his services.

Ray's reply

Hi Colin, Thank you very much for the great review. It really is appreciated. As you know I am here to help in any way I can. Thanks Again. Kind Regards Ray

Review from verified client

January, 2019

Overall

Advice

Service

Value

Based in West Yorkshire

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

Financial review and future planning.

How has Ray Garnett helped you?

Advice in a logical sequence, with help planning priorities. Ray took time to understand our personal circumstances, is easy to work with and has a friendly and reassuring demeanour. Ray took out the admin stress of liaising with policy providers and made the process as easy as possible for us.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No negative feedback. The rest of the team were very helpful while Ray was away, but he was still contactable which was useful.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Yorkshire

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

Had some inheritance and wanted to save it for later

How has Ray Garnett helped you?

Gave good advice for my savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing all good

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Yorkshire

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

Company Pension Transfer to provide greater flexibility of drawdown also tax optimisation.

How has Ray Garnett helped you?

Full personal “risk” assessment to determine appropriate risk level of any pension investment. Transferred funds “hassle-free” to a fund that provides some growth and full flexibility of drawdown with tax optimisation as I currently do not pay tax.

Have you seen the outcome you were hoping for?

To date, yes.

What could they have done better?

Am new to this experience which did come somewhat “out of the blue” and was somewhat nervous to start with. Ray put me at ease and respected my initial nervousness.... now have more understanding and feel confident in this area and more in control. Also good dealing with a local well established and respected business. Nothing “negative “ comes to mind.

First impression from a user who is not yet a client

July, 2018

Overall

Please provide a brief comment about your experience with Ray

I contacted Ray to see if I was putting enough funds into my workplace pension, the possible return and if I need to increase contributions. He went a bit further and looked into the type of policy I was on. Although we didn't really discuss what my current pot may be worth in the near future, he did advise a suitable policy to be in on my current work place pension and may be have an additional pension along side my current one which I said will consider next April after I have cleared some debts. Thanks

Review from verified client

January, 2018

Overall

Advice

Service

Value

Based in West Yorkshire

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

Pension Consolidation.

How has Ray Garnett helped you?

Advice and consolidation of pensions.

Have you seen the outcome you were hoping for?

Happy with recommendation and products.

Review from verified client

November, 2017

Overall

Service

Advice

Value

Based in West Yorkshire

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

Need guidance on where to invest some money.

How has Ray Garnett helped you?

Ray understood my anxiety and requirements.

Have you seen the outcome you were hoping for?

Too early to tell.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in West Yorkshire

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

Taking early retirement.

How has Ray Garnett helped you?

Have me good advice on retiring early.

Have you seen the outcome you were hoping for?

The advice is looking good.

What could they have done better?

Nothing

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in West Yorkshire

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

In need of updating.

How has Ray Garnett helped you?

More up to date plan.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

All seems to be ok

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in North Yorkshire

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

In my 50s started to try and better manage my pension funds and simplify.

How has Ray Garnett helped you?

Advised to transfer a few pensions to Transact but left one occupational pension in place. We also discussed inheritance planning but solution required additional professional input.

Have you seen the outcome you were hoping for?

Yes performance has been improved.

What could they have done better?

Service excellent and response always prompt. No suggestions

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in West Yorkshire

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

My pension provider changed and I wanted to ensure I was getting the best price - also I was looking to retire and needed a financial review.

How has Ray Garnett helped you?

Ray went through everything collecting details from all my pension providers and gave me excellent advice in a way I could understand it- he was very patient as I had many questions.

Have you seen the outcome you were hoping for?

Yes! I was able to retire from work and have full access to my pension and a plan going forward.

What could they have done better?

Nothing

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in West Yorkshire

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

I needed help with my Pension - it is a very complicated policy and Ray was recommended to me.

How has Ray Garnett helped you?

Ray made the Pension process easy to understand (in lay mans terms) and explained every part of the process and steps I could / should make.

Have you seen the outcome you were hoping for?

Its too early to say with a Pension - however I feel confident that I was given the right advise and I trust Ray in his advise he gave me.

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Yorkshire

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

Pension lump sum investment.

How has Ray Garnett helped you?

Open and honest discussion around my finances.

Have you seen the outcome you were hoping for?

Yes Investment explained clearly.

What could they have done better?

Nothing

Review from verified client

March, 2017

Overall

Advice

Service

Value

Based in Yorkshire

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

Retirement planning.

How has Ray Garnett helped you?

Straightforward, no nonsense advice in everyday language. Worked hard to understand my needs and offered a range of solutions.

Have you seen the outcome you were hoping for?

Great service and product.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

Pension review & advice.

How has Ray Garnett helped you?

Ray set out all the options that were available to me. He explained very well the different routes of action that I could take but also the effects (positive/negative) they could have on my pension. Any queries were dealt with in a timely manner and a very professional service was provided.

Have you seen the outcome you were hoping for?

It is still in the very early stages so as of yet it is too early to say however I am confident that the rewards will follow.

What could they have done better?

Nothing really as I was pleased with how everything was dealt with from the beginning to the end.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

Reinvestment of final salary pension.

How has Ray Garnett helped you?

Provided excellent investment advice that suits my somewhat cautious attitude.

Have you seen the outcome you were hoping for?

Certainly have and so easy to monitor performance through Transact.

What could they have done better?

We did stray into other areas when wanting to stay focussed on pension investment but his thoughts on these other areas have certainly given me "food for thought" which is appreciated.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

Our previous "adviser" gave us some very bad advice and lost us a lot of money. We were wary, untrusting and unsure of the best course to take.

How has Ray Garnett helped you?

Ray was really helpful and gave us what we feel was good, reliable advice and lots to think about going forward. He has made us feel very positive about the future and a lot happier that our money is in a better place now!.

Have you seen the outcome you were hoping for?

Early days but we are hopeful that we are on the right path now.

What could they have done better?

Nothing, he was fantastic!

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

Had cash to invest.

How has Ray Garnett helped you?

Visited at home Careful explanation of products on offer Guided to appropriate product after discussing my requirements.

Have you seen the outcome you were hoping for?

Only invested within last few weeks so no outcomes yet.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

I wanted access and some control over my pension fund.

How has Ray Garnett helped you?

He helped me to do what I wanted.

Have you seen the outcome you were hoping for?

Yes. With the minium of fuss.

What could they have done better?

Nothing I know if I need advice he is just a phone call away.

Review from verified client

October, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

Made redundant 14 months before my due retirement date. My wife had some health issues so decided to take my private pension early to take care of her.

How has Ray Garnett helped you?

Ray found me a pension which provided me with more than the company I had been saving with.

Have you seen the outcome you were hoping for?

The outcome is just has good as Ray said it would be.

What could they have done better?

I do not know of anything Ray could have done better. He explained everything in a way that I ( a normal working class person) could understand with no technical words and phrases, any questionsI had he answered simply.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

I retired June 2014 and with the impending changes of the pension rules I didn't do anything with my pension pot and only decided in April 2016 that I should really take some financial advice on how best to get the best from my pot. After checking the Vouchedfor website I decided to approach Utopia for help.

How has Ray Garnett helped you?

At our first meeting Ray asked what were my goals for the future and proceeded to advise me of what was available to achieve them. He told me in plain English that I could understand what my options were and helped me to decide which was the best way forward. He certainly focussed my mind when he told me what we could have achieved had we met much earlier.

Have you seen the outcome you were hoping for?

It is still early days. I first met Ray in April 2016 and was so happy with his proposals that I signed up with Utopia the following month. So far the funds he suggested have moved forward but there is a long way to go. I am much happier now that I have been more pro-active with my pot with Ray's invaluable help which is paramount at this stage of my life.

What could they have done better?

I don't think Ray could have done any better than he did, I am very happy the way he talked through my options, and the advice he gave helped me make the decisions I needed to make which I had been putting off.

Review from verified client

June, 2016

Overall

Advice

Service

Value

Based in North Humberside

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

Help with finance and investments.

How has Ray Garnett helped you?

1.

Have you seen the outcome you were hoping for?

On way.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in West Yorkshire

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

I had a couple of pensions which were not earning very much and were frozen. I wanted to use a specialist in the specific area so googled IFA's local to my area. I reviewed a couple of different sites but chose Utopia as I liked the look of them.

How has Ray Garnett helped you?

He went through the options available to me with both the frozen pensions I already had and going forward. I wanted to put everything into one pot, but make sure that it grew in time. While I understand a fair amount I needed an up to date look at what was on offer, which Ray was able to explain in a way that I understood.

Have you seen the outcome you were hoping for?

I am happy with the recommendations that Ray put forward and have signed to go forward based on the information I received.

What could they have done better?

I am happy with the service which was provided and cannot think of anything that could be altered.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in North Yorkshire

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

I had several disparate pension schemes that needed to be organised so that I could understand their respective values.

How has Ray Garnett helped you?

He managed the aggregation of all the pension elements into a single pot that enabled me to know exactly how much was available.

Have you seen the outcome you were hoping for?

Thanks to Ray's efforts I now know what monies are accumulated and what I can expect in pension terms.

What could they have done better?

I cannot think of anything that Ray could have done better to help me organize my finances.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

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

due to a serious accident i had to look at options for early retirement and the early pension options.

How has Ray Garnett helped you?

i was having major problems getting feedback from my pension providor and ray garnett used his vast experience to help sort out all the problems i was facing and finally get the answers they were so reluctant to give me.

Have you seen the outcome you were hoping for?

Not really but this is no fault of my advisor as one of the answers ray got was that my pension fund was vastly underfunded and the actuators do not see it being fully funded till 2023.

What could they have done better?

Nothing more as it was my pension company that had defaulted

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

It has been a great experience. It is very reassuring to have someone you can trust to look after your financial affairs, and Ray is just the man for that.

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray has always given me sound and solid advice . No matter what the query is he has always help sort my problems.The gentleman is solid and always helpful.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

ray is straight and tells it as it is which. is how it should be thanks

What could they have done better?

nothing comes to mind

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray sorted out my pension showing how poorly it had performed where i had it and how much better it would be by implementing his suggestions. Being able to view pension performance online is very good.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Nottinghamshire

How has Ray Garnett helped you?

Ray explans everything clearly & makes sure you understand all aspects before making any decisions. Would fully recommend his services.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray was very helpful, clear on his advice and fulfilled all that he said he was going to do.. He also did exactly the same for my wife and we are very happy with the end results.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

My Company has retained the services of Ray for the last 18 years this is down to the fact he has always given sound professional advice and he responds to any matter promptly he is trustworthy easy to communicate with and dispenses advice in a clear and concise way that is easy to understand. He Regularly sits in on meetings with the accountant and is always involved in yearend discussions looking at how we can plan and steer our business into the forth coming year He has also assisted me on a personal level helping with advice concerning mortgages, Pensions investments and tax planning. I would strongly recommend Ray to anyone looking to take advice into any of the areas he specialises in.

What could they have done better?

Nothing!!!!

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Outside UK

How has Ray Garnett helped you?

Keeps me apprised of legislative changes and advises on any necessary adaptive changes and similarly so when markets and investment structures change.

What could they have done better?

Hard to be critical when my investments are doing fairly well and to do better would also mean greater risk which level is for me to decide.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

At all times Ray showed great professional acumen and his advice was unbiased.

What could they have done better?

Can`t think of anything.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

I have a few old company pension, which was not going antwhere, I treid to cash in or reinvest but they all told me I couldn't cash in, Ray has mange to get them all into one portfolio, which I will be able to check where the money is now invested in

What could they have done better?

Not a lot, only been with them a month, but as long has he keeps to his pledgers, we both should do alright in the long term.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

I visited Ray wishing to find out about my retirement prospects with two pensions I had paid into. Ray was extremely helpful and explained everything in easy to understand language (which was such a relief). Ray also advised should I require any further information, he would always advise what costs would be incurred (if any) before proceeding. I would certainly recommend Ray Garnett for any financial advice without hesitation.

What could they have done better?

None

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in North Yorkshire

How has Ray Garnett helped you?

I never used to have much faith in financial advisors but Ray has managed to do the impossible and change my mind. He has improved my investment portfolio and keeps me up to date in a timely manner. He makes me aware of other services which may be of interest to me but without any pressure to buy. He offers a wide range of advice beyond the products in my portfolio. I will be using Ray for some time to come.

What could they have done better?

Nothing springs to mind.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Ray

Brief advice on pensions

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Ray

Ray responded to my request quickly and efficiently however I had already decided not to progress with an IFA and so we did not meet.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Ray

Very professional, down to earth and approachable chap. Broke things down into simple terms without using jargon. Thank You very much for your time.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

What a proffessional approach to all aspects of financial planning . Fantastic team support and always listens and advises on aspects of finances.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in South Yorkshire

How has Ray Garnett helped you?

I am not a fan of telephone cold calling, especially from someone in the financial market. However, I was considering seeking financial advice at the time, so I thought I could at least listen to him. I found Ray to be professional, knowledgeable and a good listener. After conducting some background checks I was happy to move forward and work with Ray and I am very happy continue! John South Yorkshire

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray listens to your requirements and from your discussions appreciates your own knowledge, using this information he advises you in an appropriate manner. Being an investor of some experience Ray appreciated my input and between us we have put together an initial portfolio which meets our current requirements. In the future we will be extending our involvement when our financial position allows us to invest more.

What could they have done better?

Unfortunately financial advice is not environmentally friendly. Although it is probably outside Ray's control a reduction in the amount of paper generated would be a distinct advantage. Unfortunately I think that most of the documents ar efor legal protection and are defined by the controlling bodies.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray makes what at first sight might seem a complicated process very easy to understand, I was putting off addressing my pensions but I am very pleased to have now worked everything out with the assistance and guidance from Ray.

What could they have done better?

Send through an agenda of the topics to be discussed beforehand, this will allow time to be set and preparation on my behalf.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Nottinghamshire

How has Ray Garnett helped you?

I first came into contact with Ray from a cold call offering a free financial check and thought why not its free? I can put up with pushy reps trying to sell there services but Ray just went through what I had in place and advised me what could do better for me but also what not to move as they were in a good place with good returns. After an hour or so Ray left leaving his business card but no pushy sales talk. After looking at what Ray had said I checked a few things out and gave him call and since then I have been more than happy with his services. I will be using Ray to sort out my employees pensions shortly without having any worries

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lancashire

How has Ray Garnett helped you?

Ray's confidence in the products he is recommending and his knowledge of the same, gives you the initial security to follow his advice and trust his claims to invest in the right place for your future, no matter what your comfort level to risk is his promise to improve on the performance of investments already in place can only be tested over time, and up to press all his advice and proposals have remained true and on course , in a constant changing market place Ray reacts to changing legislation and informs us as when needed if changes are required .

What could they have done better?

The more contact with you can have with someone in a position of trust the better the relationship should be a phone call just to check up and generally catch up with no ulterior motive can not be a bad thing the regular email updates do keep your name in mind

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

Ray is very clear with his information and leaves you feeling that your investment is in safe hands

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Ray

Regarded info I needed he supplied

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Ray

He never contacted me, very poor...

First impression from a user who is not yet a client

February, 2014

Overall

Please provide a brief comment about your experience with Ray

They didn't deal with my query but at least they told me straight away & referred me on.

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

"Over the last six years we have developed a professional yet friendly relationship with the Utopia Group and have been very pleased with the advice received concerning our pensions and investments. Outside of our annual review they are responsive whenever we have had any queries and the information provided is both clear and concise. "

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

"To actually put in to words the dramatic improvement and business growth we have experienced while working with Utopia is difficult, although to advocate their professionalism and commitment comes easy. I would highly recommend their services"

What could they have done better?

Although UtopiaÂ’s contact with me is very good. I would suggest that maybe their communications be a bit more frequent. Maybe following up discussions would benefit both parties.

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in North Humberside

How has Ray Garnett helped you?

"Over the many years that we have received advice from the advisers at the Utopia Group we have always found them not only to be professional, but friendly and most reliable."

Review from verified client

December, 2013

Overall

Advice

Service

Value

Based in West Yorkshire

How has Ray Garnett helped you?

"I am pleased that I chose your company to help us, and I must say that your attention to our financial needs so far has been impeccable."