0330 038 8940
Based in Epsom
View locationChecks carried out by VouchedFor
FCA Regulated
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 22 December 2025
Ray and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
40
Recent Client Reviews
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ray has received 40 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 16 December 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Qualifications Uploaded
Ray has not yet added their qualifications to their profile
Qualifications not yet added
Ray has not yet added their qualifications to their profile
Transparent Fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ray has provided information on their typical fees
Ray has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Ray
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ray (based on 3 first impressions)
We specialise in independent retirement advice/planning for those approaching or in retirement, as well as inheritance tax mitigation. Many consider pensions and retirement income planning to be the most complex areas of financial advice. That's why we have decided NOT to be a 'jack of all trades' but instead use all the tools and knowledge available to offer great advice on minimising tax and investing in optimising your future. Our advice is holistic and considers other areas, such as Inheritance tax planning. We aim to maximise your life first, and once that's achieved, pass on your wealth with minimal tax. Click on the button to book a FREE consultation. You will learn how we help you avoid the most common retirement pitfalls and have clarity/peace of mind. The meeting will be tailored to your needs and is offered without any obligation.