Ray Martin

Review from verified client

September, 2024

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

Needed advise on investments and pensions.

How has Ray Martin helped you?

Ray has given me sound advise on investments, savings and pensions over many years.

Have you seen the outcome you were hoping for?

Yes. My investments have definately improved, despite the various financial problems caused by world events beyond our control,

What could they have done better?

Given our circumstances, there is nothing more they could do.

Review from verified client

September, 2024

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

Initially as retirement was approaching, we needed good advice to protect our future income and living standard.

How has Ray Martin helped you?

Laid out clear and concise advice about possibilities for our finance that suit us.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don't think it could have been done better.

Repeat review from verified client

August, 2024

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

How has Ray Martin helped you since your last review?

No communication except on a yearly basis, unless issues arise needing urgent reallocation of investments

Repeat review from verified client

August, 2024

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

How has Ray Martin helped you since your last review?

Kept us up to date and encouraged us to spend more!

Review from verified client

August, 2024

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

My husband and I first met Ray in 2016 when we took his advice to each set up a SIPP with A.J. Bell. In 2019 my husband died and I asked Ray to handle all the investments from our joint estate.

How has Ray Martin helped you?

Ray’s advice has always been clear and unbiased, and he was particularly helpful regarding capital gains tax, inheritance tax and my preference for an ethical portfolio. His help and patience in transferring and managing my investments was invaluable at what was a difficult time for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing that I am aware of.

Review from verified client

July, 2024

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

Retirement package included contribution to financial advice

How has Ray Martin helped you?

Provided. Better return on our investments, helped us to minimise chargeable gains

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

-

Review from verified client

July, 2024

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

Part of my wife's retirement package.

How has Ray Martin helped you?

Ray has helped to consolidate investments, provide a better return, and reduce my tax bill.

Have you seen the outcome you were hoping for?

Yes, I have been better off following Ray's advice than following my own initiative.

Review from verified client

July, 2024

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

Pension planning

How has Ray Martin helped you?

Managing pension and investment portfolio including annual review

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing! Is knowledge and explains risks and benefits clearly. Adjusts plans according to our needs.

Review from verified client

July, 2024

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

To plan for the future and to allow for early retirement

How has Ray Martin helped you?

Helped us to plan and give confidence for our future.

Have you seen the outcome you were hoping for?

Absolutely he has tried to change our mindset about spending!

What could they have done better?

Can’t think of anything

Review from verified client

June, 2024

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

My wife and I had pension pots in both final salary and money purchase; as well as money in savings accounts. As I was diagnosed with a terminal illness at 60 we felt some financial advice was advisable on the best way to proceed.

How has Ray Martin helped you?

A thorough review of our pensions, savings, outgoings and income with clear advice on the best way to proceed. This is followed each year with a review and we can also make interim amendments should we feel it necessary.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't think anything.

Review from verified client

June, 2024

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

I was in need of independent financial advice to make sure I was making the right decisions with my financial planning investments pensions and savings in the long term and in the short term every year.

How has Ray Martin helped you?

Ray Martin has given me advice on long term financial planning and yearly plans to optimise my investments and savings.

Have you seen the outcome you were hoping for?

The outcome is there is a professional adviser available who can assist me with my own financial decisions when needed

Review from verified client

June, 2024

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

We have no knowledge of investments.

How has Ray Martin helped you?

Ray picked the right plan for us both and explained everything to us before proceeding with our investment.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He has always given us sound advice and do not think he could have done any better. We are more than satisfied. Had a lovely mixture of biscuits with our cup of coffee.

Review from verified client

June, 2024

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

Believe it or not, we saw an advertising board outside his address and decided to get advice. we booked an appointment and chatted about various financial matters. We instantly clicked. Basically, we assessed each other to see if we could work together for a more stable financial future and since then it has worked out beautifully.

How has Ray Martin helped you?

Ray has helped mold our finances on a yearly basis, keeping us in touch with the market, pensions and investments and helped keep us calm around the Covid outbreak.

Have you seen the outcome you were hoping for?

Over the time we have been a client, we have been completely satisfied with the service we have received from Four Seasons, which has been completely faultless. We would wholeheartedly recommend this company to anyone who is interested in investing in the future. You have full control of what you want to achieve, with the guidance of a brilliant financial advisor.

What could they have done better?

In my opinion, absolutely nothing. He’s always happy to see you and answer any questions you might have. It’s like having a personal advisor in the family.

Review from verified client

May, 2024

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

I had various pension and wanted to have these all put into one pot, I had also received a payout from a company I had worked for 34 years, Ray was recommended to me by a friend and I made contact.

How has Ray Martin helped you?

Ray gave great advice on my options and I ended up transferring some pension into one of the portfolios recommended, each year we have a review and all is explained in great detail, Ray suggests some changes which I’m always happy with and it’s great having a one to one with a person who you get to know rather than just wait for your yearly statement which I always done with the old pension companies.

Have you seen the outcome you were hoping for?

I have been a client for about 4 years and during these years we have had difficulty times with Covid and the Ukraine war, now things seem to be on track so it’s a yes.

What could they have done better?

N/A

Ray's reply

Darren, it's been a pleasure. I've always enjoyed our chats. Thank you so much for your review.

Review from verified client

May, 2024

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

We were looking for a local Financial Adviser who we could speak to in person to review our pension and savings arrangements.

How has Ray Martin helped you?

He has been invaluable since our very first meeting several years ago. He was very understanding of our needs and requirements from then into retirement. Very helpful advice and guidance to achieve what we wanted from our savings and pensions in a clear and easy to understand manner.

Have you seen the outcome you were hoping for?

We have received consistent returns despite COVID and the ongoing unrest around the world.

What could they have done better?

We are happy with the service received

Ray's reply

Dear Gary and Lynne, thank you for your kind reviews. I look forward to our next catch-up soon. Best Wishes Ray

Review from verified client

May, 2024

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

Retirement Planning

How has Ray Martin helped you?

Ray has through his expertise planned our retirement income based on feedback from extensive meetings and discussions,

Have you seen the outcome you were hoping for?

The outcome has been just as we were advised it would be.

What could they have done better?

Other than giving us the winning lottery numbers, nothing!

Ray's reply

Hi Gary, Thank you so much for your wonderful review, it really is appreciated. All the best Ray

Review from verified client

April, 2024

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

We were unhappy with the service that was being provided to us from a major investment house.

How has Ray Martin helped you?

Ray and his team have meticulously formulated a package that suits our ongoing needs perfectly. The advice is always sound and the team are always on hand to answer questions. Ray always ensures that the plan in place is relevant and provides suggestions for alterations when the markets dictate them.

Have you seen the outcome you were hoping for?

The outcome since moving to Ray's team has been more than we hope for, the service is excellent and the returns have been outstanding. The service provided by the team is always very friendly and timely.

What could they have done better?

Nothing, congratulations to the team.

Ray's reply

Carl, what a wonderful review! Thank you, so much. It's been a pleasure helping you both, and I look forward to our future chats. All the best Ray

First impression from a user who is not yet a client

February, 2024

Please provide a brief comment about your experience with Ray

Courteous exchange of information but we didn't see eye to eye on a few things so decided not to proceed

Ray's reply

Hi David, Thank you for your fair response. I'm not sure we had a difference of opinion. I strongly believe in holistic advice with financial planning, whereas you require a hands-off approach. We simply do not offer the service you require. I wish you all the best and hope you find the right advisor for your needs. Kind regards Ray

Review from verified client

September, 2023

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

We neede advice for pension planning we met Ray via our previous Advisor and have never been disappointed.

How has Ray Martin helped you?

by setting out our options clearly and concisely.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing

Review from verified client

September, 2023

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

Needed advise on investments and pensions.

How has Ray Martin helped you?

Ray has given me sound advise on investments, savings and pensions over many years.

Have you seen the outcome you were hoping for?

Yes. Over the many years, My investments have definately improved, despite various government and world hicups.

What could they have done better?

I work on long term investments with low risk. Overall i yhink we have done very well.

Review from verified client

May, 2023

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

Beieve it or not, we saw an advertising board outside his address and decided to get advice. we booked an appoiintment and chatted aboiut various financial matters. We instantly clicked. Basically, we assessed each other to see if we could work together for a more stable financial future and sinc then it has worked out beautifully.

How has Ray Martin helped you?

Ray has helped mold our finances on a yearly basis, keeping us intouch with the market, pensions and investments.

Have you seen the outcome you were hoping for?

Over the time we have been a client, we have been completely satisfied with the service we have received from Four Seasons. We would wholehartedly recommend this company to anyone who is interested in investing in the future. You have full control of what you want to acheive, with the guidance of a fantastic company.

What could they have done better?

In my opinion, absloutly nothing.

First impression from a user who is not yet a client

March, 2023

Please provide a brief comment about your experience with Ray

-

Ray's reply

Martin, thank you for taking the time to leave a first impression rating. I'm looking forward to meeting you and hearing about your retirement plans.

Review from verified client

January, 2023

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

Inheriting a lump sum

How has Ray Martin helped you?

By investing this well I have been able to live for the past 15 years knowing the money is safe.

Have you seen the outcome you were hoping for?

Yes I indeed

What could they have done better?

Nothing. I have been well informed over the years and Ray always takes into account my feelings towards risk.

Review from verified client

December, 2022

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

Inheritance of money and looked for a better return than banks offered

How has Ray Martin helped you?

His advise has been very helpful and the returns have been profitable

Have you seen the outcome you were hoping for?

Not this year , but that is due to the financial recession

What could they have done better?

Nothing that I can think of .

Review from verified client

October, 2022

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

Getting to a pensionable age and having a mix of company pensions, state pension as well as investments.

How has Ray Martin helped you?

He helped me by arranging pension transfer(s), retirement pension and income arrangements as well as overall financial planning.

Have you seen the outcome you were hoping for?

Yes considerably more than I anticipated despite the difficult times in the last 3 years.

What could they have done better?

I believe that he did the best possible arrangements for me and the results so far have shown this.

Review from verified client

October, 2022

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

Money to invest.

How has Ray Martin helped you?

He has been advising my wife and me for about twenty years. He is everything one could hope for in a financial adviser: wonderfully enthusiastic, extremely well informed and up to date, completely trustworthy, scrupulously observant of the regulatory requirements, and able to explain complex matters very clearly. He was wholly undaunted by Brexit and Covid. He was able to conduct our last meeting but one on Zoom with great expertise and clarity, and he came to our house for our last meeting, and most enjoyable it was too.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind.

Review from verified client

October, 2022

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

I was in need of independent financial advice to make sure I was making the right decisions with my financial planning investments pensions and savings in the long term and in the short term every year.

How has Ray Martin helped you?

Ray Martin has given me advice on long term financial planning and yearly plans to optimise my investments and savings.

Have you seen the outcome you were hoping for?

The outcome is there is a professional adviser available who can assist me with my own financial decisions when needed.

Review from verified client

October, 2022

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

Needed advice on investing money

How has Ray Martin helped you?

He has given me very good advise on investing my monies.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Only by having a more futuristic crystal ball.

Review from verified client

October, 2022

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

We had a variety of investments created at various times for various objectives which were not regularly reviewed for either their efficency or their tax effectiveness.

How has Ray Martin helped you?

Ray Martin asked us what we wanted to get out them, our attitude to risk, and had arranged their sale and investment in unit trusts on a safe and easy to access platform. He reviews this annually, bearing in mind both its performance and our needs. He has also helped us create a family trust so that we can pass on money to our children without it being part of our estate.

Have you seen the outcome you were hoping for?

Yes. I consider our finances are soundly managed within the risk profileindicated, and will cover our future requirements. I am also impressed that Ray Martin was sensitive to our concerns about the need for our investments to be ethically invested.

What could they have done better?

Nothing.

Review from verified client

October, 2022

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

To decide what to do with our pension

How has Ray Martin helped you?

Advised us on best way to make our money work for us

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2022

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

After retirement I needed to invest some of my pension pot into a viable investment and with the help of Ray and his team this worked out well for my family and myself.

How has Ray Martin helped you?

Ray and his team supply good and easy to understand advice on every review. This helps me to understand the investment. Without this advice I would be reliant on media advice as I have no knowledge of up-to-date financial trends.

Have you seen the outcome you were hoping for?

Due to the present financial climate the outcomes have been a little disappointing. But this is a worldwide problem and is relevant to all financial markets. Ray did predict this outcome and made me aware of the problems for the future

What could they have done better?

I am sure in todays situation the team could not have made any alteration to my financial plan

Review from verified client

July, 2022

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

Retirement

How has Ray Martin helped you?

Restructured my finances to maximise benefits

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No examples

Review from verified client

May, 2022

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

We were looking for a financial advisor to prepare for retirement and general financial stability for our future. We saw an advertisement outside his premises and decided to arrange a consultation. The moment we met him we felt totally relaxed and by his manor and knowledge we knew that he was the right man for us. We haven’t looked back since.

How has Ray Martin helped you?

Ray has led us through the minefield of investments and with the situation of the recent Covid, he has reassured us and kept us up to date with the whole situation. Currently, we, the Country are in difficult times, however we know that Ray will guide us safely through the tough times.

Have you seen the outcome you were hoping for?

So far, we have not been disappointed with ANY decisions he has made on our behalf and has discussed each choice with us before implementing any actions on our behalf

What could they have done better?

Absolutely nothing. I cannot fault his financial advice, and 100% trust all his decisions. I wouldn’t be with anyone else.

Repeat review from verified client

October, 2021

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

How has Ray Martin helped you since your last review?

Again I consider that Ray and his team have done an excellent job in providing financial and investment advise, which has resulted in allowing us to use some monies for other means, without the loss of investments.

Repeat review from verified client

September, 2021

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

How has Ray Martin helped you since your last review?

As always professional and approachable

Review from verified client

August, 2021

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

My second financial adviser moved away and recommended Ray to me.

How has Ray Martin helped you?

Ray helped me to understand what I needed for the future, who to invest with and how to manage my original investments made with the poor advice of my first adviser. He has done this with great patience and good advice to keep me as safe as possible in my old age and to give me financial stability as much as is possible in these past difficult years and with my declining health.

Have you seen the outcome you were hoping for?

Yes - and I feel safe in the knowledge that Ray always does his best for me and keeps my investments under constant review.

What could they have done better?

Nothing - as far as I am concerned.

Review from verified client

August, 2021

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

I was left a lump sum following a bereavement and wanted to invest to ensure a good income once I retired.

How has Ray Martin helped you?

Ray talked through all the options that were suited to my circumstances, and made it all very easy to understand. He also assisted me when it came time for me to take my private pension, and also made that very easy to deal with.

Have you seen the outcome you were hoping for?

I am more than delighted with the results of my investments. Ray continues to provide me with clear and concise advice.

What could they have done better?

Nothing! An excellent service.

Review from verified client

July, 2021

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

With a variety of pensions and investments I was looking to consolidate my financial position and create a coherent plan for my retirement. I needed advice on how best to meet existing financial commitments and yet create a manageable plan to be able to retire.

How has Ray Martin helped you?

Ray reviewed my current financial position and created a detailed model projecting financial requirements over the medium and long term. Using this we he was able to recommend the appropriate consolidation of existing investments, selection of suitable investment funds and a plan which, even at its most conservative projection, is highly likely to meet my long term needs.

Have you seen the outcome you were hoping for?

The short term outcome is a simplification of my financial situation coupled with significant growth in my investments. This has been delivered in a pragmatic manner which means that I can still meet my short term obligations without compromising my lifestyle. Exactly the outcome that I was hoping for.

Review from verified client

July, 2021

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

I had a number of pensions and investments that I wished to consolidate into a more manageable structure.

How has Ray Martin helped you?

Ray reviewed my existing arrangements and provided a revised structure.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The service has been excellent.

Review from verified client

July, 2021

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

To try and preserve and increase the value of my pension

How has Ray Martin helped you?

Ray always fully explains the reason for placing investments or changes needed to protect fund

Have you seen the outcome you were hoping for?

yes

What could they have done better?

in these times I am satisfied all effort was given by Ray in my interests

Review from verified client

July, 2021

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

We felt that it was time to make good use of our finances as we were considering early retirement and wanted to see if it was plausible.

How has Ray Martin helped you?

Ray chatted with us to get to know us personally and assessed what we were looking for and discussed how we could achieve our goals. Currently, Ray and his team are looking after our futures and we couldn’t see anyone better looking after our finances. From a clients point of view, we feel that Ray and the team really care about who we are and what we want to achieve. We feel like family, not just clients. and we trust him 100%

Have you seen the outcome you were hoping for?

Yes, without a doubt. As previously stated, we trust Ray 100% and has currently looked after us with great care, respect and excellent results.

What could they have done better?

Absolutely nothing. For us, everything is explained, step by step, without technobabble, allowing us to understand exactly what is happening to our money. We are talked with, not at or down to and we are happy to discuss any financial situation or questions, knowing full well that we will get a full and honest answer.

Ray's reply

Barry and Jackie, thank you so much for a wonderful review. I look forward to seeing you in person, rather than via zoom next time. I'll open the special biscuits after what you said, might even get some cake!

Review from verified client

July, 2021

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

My husband and I wanted to take early retirement and needed to ensure that this was possible by taking financial advice. Ray was recommended to us by a friend.

How has Ray Martin helped you?

Ray was able to guide us through the minefield of pension drawdown and advised the best options for us. He understood our needs but was also able to give us a realistic idea of what our retirement would look like. He explained things in a way that was reasonably easy to understand- the use of his many football analogies was helpful.

Have you seen the outcome you were hoping for?

Yes - we retired and moved to Wales and have a comfortable lifestyle.

What could they have done better?

Nothing that I can think of.

Review from verified client

July, 2021

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

Trustworthy, gives impartial advice and understands the markets and our lifestyle.

How has Ray Martin helped you?

When we first met Ray he listened, understood our plans at the time and for the future, and formulated a plan that made the best use of our retirement fund.

Have you seen the outcome you were hoping for?

Yes, we're managing our finances in retirement much better than we would have done without Rays advice.

What could they have done better?

Nothing comes to mind. We're very happy that we appointed Ray to advise us on financial matters during our retirement.

Review from verified client

June, 2021

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

My wanting to retire early and how to provide for that. Then other help when we needed it.

How has Ray Martin helped you?

He’s been a very helpful, approachable advisor. We’ve been with him for over 20 years so we’ve had many happy, useful meetings with good advise and now we feel financially secure.

Have you seen the outcome you were hoping for?

Yes by being financially secure now

What could they have done better?

More cake at the meetings?!

Review from verified client

June, 2021

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

I needed advice on my pension and what I should do with it.

How has Ray Martin helped you?

He advise me what I should do with my pension

Have you seen the outcome you were hoping for?

Yes very much so

What could they have done better?

Nothing, I’m very happy

Review from verified client

June, 2021

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

I had the very good fortune to be inherited by Ray Martin, Four Seasons FP, when my former financial advisor retired several years ago.

How has Ray Martin helped you?

In the ensuing years Ray has steered me through the pensions minefield, helped me with my long-term financial planning, investments etc. Each year we have an annual review and talk about what’s been happening, what’s new, any changes needed. Currently we’re at the inheritance planning stage.

Have you seen the outcome you were hoping for?

Yes indeed, I'm relieved and delighted. Ray is very good at explaining things and making recommendations that I understand so I always feel clear about my financial options after a meeting with him. I feel comfortable with Ray and I have great trust and faith in him. In the time I’ve known him my investments have grown substantially and this has given me a really good sense of security for the future.

What could they have done better?

I can’t think of anything. Ray is top of his game and I wouldn’t hesitate to recommend him (and Four Seasons) to anyone. I can’t rate him highly enough.

Review from verified client

May, 2021

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

To plan for both mine and my wife’s retirement

How has Ray Martin helped you?

He helped us with financial planning and investments for the long term and advised us on monthly savings.

Have you seen the outcome you were hoping for?

Absolutely the investments have done very well and everything has gone according to plan.

Review from verified client

May, 2021

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

Initially planning for retirement, and now ensuring I make the most of the investments I have.

How has Ray Martin helped you?

Ray clearly explained the amount of money I am likely to require during my retirement, and shows graphically how my investments and pensions will support my requirements over coming years.

Have you seen the outcome you were hoping for?

Yes to date the outcomes are what was expected.

Review from verified client

May, 2021

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

Needing to re-invest pension and other savings

How has Ray Martin helped you?

By making things as clear as possible and taking things at a relaxed pace.

Have you seen the outcome you were hoping for?

Yes. A good return on my investments despite the current situation with Covid.

What could they have done better?

Nothing

Review from verified client

May, 2021

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

I had invested in a range of savings products at different times and in different ways. They had not been reviewed regularly. Ray consolidated and sold them where necessary, asked us what our aims and attitudes to risk were.

How has Ray Martin helped you?

After selling and reinvesting and making a trust for the children so that we could minimise IHT, The important thing is that he annually reviews the basket (half dozen or so) investments so that it represents the right proportion of risk, and also is able to reinvest some into those that represent growth outside risk.

Have you seen the outcome you were hoping for?

Yes our investments represent the level of risk that we are willing to take, they grow satisfactorily, and meet our investment objectives.

What could they have done better?

I am not clear what they refers to here. If it refers to investments they have done well. I would like to be been assured with more evidence that they were all ethical, and sustainable. Perhaps trusts should have to list the ten largest holdings rather five.

Ray's reply

John, thank you for your review. I will send you more details about your ESG portfolio.

Review from verified client

March, 2021

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

Needed to get advice on our pensions and retirement income. Wanted advice to make sure our pensions and investments would provide us with a comfortable retirement income.

How has Ray Martin helped you?

Ray gave us excellent financial advice and guidance. He explained everything to us and advised us in a clear understanding manner. A very friendly and professional approach.

Have you seen the outcome you were hoping for?

Yes, we have been very pleased with the achieved outcome.

What could they have done better?

Nothing. Every conversation has had a positive outcome.

Review from verified client

February, 2021

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

I was planning on retiring, and wanted someone to look after my investments.

How has Ray Martin helped you?

Ray, not only recommended investments, but also produced a life style path according to my requirements.

Have you seen the outcome you were hoping for?

Yes, my investments have done well.

What could they have done better?

We could all ask for better returns, but in general nothing. I’m pleased with everything they have done.

Ray's reply

Hi Graeme Thank you for leaving a review. I'm seeing you soon and it will be good catch up.

Review from verified client

February, 2021

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

I had been fortunate enough to have been reasonably successful, whilst managing a business, but found looking after my personal affairs suffering from time constraints. The solution was to find a company that could advise my fellow directors and myself with what opportunities there were for our future wellbeing. Ray Martin, took over from my previous IFA, who retired over 10 years ago. The advice we have received over the years has been excellent and dealt with professionalism, sensitivity and soundness that you would hope, and expect.

How has Ray Martin helped you?

The advice we have received over the years has been tailored to our particular circumstances, and has been dealt with totally professionally and with sensitivity, but always with sound advice. This ultimately has helped us make strategically important decisions about financial matters that need to be made with a clear head.

Have you seen the outcome you were hoping for?

The outcome to date has been exactly what was advised and predicted.

What could they have done better?

It is hard to see where improvement can be made when you look realistically at what has been achieved.

Review from verified client

January, 2021

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

My husband and I retired in 2017 and wanted advice on planning our finances, particularly the best way of investing pension lump sums .

How has Ray Martin helped you?

Ray really helped with short and long term planning, including identifying our financial priorities and key areas of expenditure. He also helped establish the level of risk we were comfortable with before investing our money in a range of funds, so our investment process is really personalised and tailored to our needs. Ray always explains things clearly. In addition to annual review meetings he and his team are very accessible for advice and support.

Have you seen the outcome you were hoping for?

The outcome we hoped for has been exceeded- we are really pleased with the return on our investments especially considering the turbulent economic climate.

What could they have done better?

I cannot think of anything to improve on.

Review from verified client

January, 2021

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

After inheriting a lump sum

How has Ray Martin helped you?

He both protected and grew it.

Have you seen the outcome you were hoping for?

Yes most definitely

What could they have done better?

Nothing. Considering I am a risk averse client it has grown well.

Review from verified client

January, 2021

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

had retired with a personal pension and had appointed a financial adviser to recommend investment and draw down options. After 2 years was not happy with the advice I was receiving so looked for an alternative adviser

How has Ray Martin helped you?

He advised on the investment of my pension pot plus on the draw down I would be best advised to take.

Have you seen the outcome you were hoping for?

Yes I have been happy with the outcome of my following his reccomendations

What could they have done better?

There is nothing they could have done better

Ray's reply

Lynn, It's been a pleasure to help you and thank so much for your review.

Review from verified client

January, 2021

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

I had money to invest and had no idea how to go about investing it and hopefully making a gain. I have 3 children and wanted advice about inheritance planning.

How has Ray Martin helped you?

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.

Have you seen the outcome you were hoping for?

Very definitely, we have never been disappointed ! He`s been brilliant, and much to my surprise through Covid and Brexit he has made us money.

What could they have done better?

I can honestly say I can't think of anything he could have done better.

Review from verified client

January, 2021

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

I needed financial advice about pensions and investment as I approached retirement. My wife was in the same position. I also wanted advice about how another financial adviser had dealt with my late father’s affairs.

How has Ray Martin helped you?

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.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I am not aware of anything that could have been done better. I am always impressed how our savings and pensions have done better overall than the the FTSE 100

Review from verified client

January, 2021

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

We had a number of pension policies and a variety of investments that needed to be sorted out ready for our retirement.

How has Ray Martin helped you?

We didn’t really know what to expect from a Financial Adviser. We assumed that he would simply advise us where to get the best annuity deals for our pensions and give some general investment advice. How wrong we were. Instead, Ray took us right back to basics. He made us carefully consider what we really wanted to achieve from our retirement years. He assessed our attitude to financial risks and, taking this into account, explained the options open to us. He then produced a comprehensive long term financial strategy showing how we could achieve our goals. Since then, we have met Ray on a number of occasions to review progress and discuss any necessary adjustments to our Financial Plan. In addition, Ray has always made himself available to guide and reassure us through the financial uncertainties arising as a result of the coronavirus pandemic.

Have you seen the outcome you were hoping for?

We have been with Ray for just over 2 years and we are very pleased with how things are going. Most importantly though, having Ray on board has allowed us to really enjoy our retirement in the stress-free knowledge that our finances are being properly and professionally managed and monitored on our behalf

What could they have done better?

Nothing.

Review from verified client

January, 2021

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

Money to invest

How has Ray Martin helped you?

He has been advising my wife and me for about twenty years. He is everything one could hope for in a financial adviser: wonderfully enthusiastic, extremely well informed and up to date, completely trustworthy, scrupulously observant of the regulatory requirements, and able to explain complex matters very clearly. He has been wholly undaunted by Brexit and Covid. He was able to conduct our last meeting on Zoom with great expertise and clarity.

Have you seen the outcome you were hoping for?

If anything the outcome has exceeded what I was hoping for.

What could they have done better?

Nothing that I can think of.

Review from verified client

December, 2020

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

I reached my 50s and understood I needed to invest my savings wisely to have a secure and comfortable retirement.

How has Ray Martin helped you?

I have significant mental health issues and found it difficult to engage a suitable advisor. I can honestly say that Ray has been extremely patient and understanding. His research and expertise is impeccable. He always listens and considers my changed personal circumstances. He explains his advice thoroughly and is happy to answer any concerns. He regularly and assiduously reviews my investments to obtain the best value for money. Ray assists me to have a healthier attitude to money, to balance better between saving and spending.

Have you seen the outcome you were hoping for?

Yes, I was able to accept voluntary redundancy last year. I am able to consider looking for work that I would enjoy.

Review from verified client

December, 2020

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

Needed advise about investments and pensions as I had decided to retire

How has Ray Martin helped you?

Having initial meetings with several other FA's Ray was far superior with his approach to financial planning and investment strategy and in a service industry that can get bogged down in jargon he explains everything clearly and precisely.

Have you seen the outcome you were hoping for?

Yes. Extremely happy with my portfolio performance

What could they have done better?

Nothing really. Ray keeps me well informed and fully understands my goals and objectives

Ray's reply

Keith, Thank you for your fantastic review. It's been a tough year for all, but especially those that love live music. I hope you get to see all your old favourites bands in 21 and discover a few gems. Speak soon.

Review from verified client

December, 2020

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

I moved from a job with a final salary pension to one where I needed to look after my own pension arrangements.

How has Ray Martin helped you?

Ray has been instrumental in our pension and savings planning over many years now and has provided a long term plan for our forthcoming retirement.

Have you seen the outcome you were hoping for?

Absolutely and in fact more than we would have hoped for in the main due to Ray and his longer term views particularly over volatile periods in the stock market.

What could they have done better?

Nothing that comes to mind.

Ray's reply

Thank you for your fantastic review. It's been a pleasure and I look forward to our next chat.

Review from verified client

December, 2020

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

Getting to pensionable age and having a company pension and state pension as well as investments

How has Ray Martin helped you?

Via arranging pension transfer(s) and retirement pension and income arrangements

Have you seen the outcome you were hoping for?

Yen considerably more than I anticipated.

What could they have done better?

I think he did the best possible arrangements and the results have shown this

Review from verified client

December, 2020

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

Needed advice with growth with my pension

How has Ray Martin helped you?

Yearly visits with portfolio growth details

Have you seen the outcome you were hoping for?

Yes. Portfolio grown over the years

What could they have done better?

Can’t fault them. They are available throughout the year if needed.

Ray's reply

Mark, Thank you so much for your kind words. I look forward to our next chat.

Review from verified client

December, 2020

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

Ray took over the business of a firm that I had used for many years.

How has Ray Martin helped you?

Ray, helped me with investment advice as well as a mortgage when I moved house. He understood my needs and found me the most appropriate products

Have you seen the outcome you were hoping for?

Yes. I have seen my investments grow and even this year when the stock market crashed, my investments have grown.

What could they have done better?

I can’t think of too many things. Perhaps be a bit more assertive but there again I understand that regulatory requirements may prevent him from doing so.

Ray's reply

Ray, thank you for taking the time to write a review. I look forward to talking with you soon.

Review from verified client

December, 2020

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

Planning for retirement, associated investments and a review of options around my company pension scheme

How has Ray Martin helped you?

Clear and simple advice which help guide my decision making around the right course of action and subsequently Ray has managed the investment portion of our portfolio. Additionally I have found the forward projections with illustrations of how to make the most o