Ray Martin

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

My wife and I were approaching retirement. We had a variety of pensions, investments and savings and needed advice on how to achieve financial security for the future.

How has Ray Martin helped you?

When we first met Ray, he urged us to think very carefully about what we wanted from retirement. What were our aspirations? What were our dreams? He reviewed our finances and then put together a financial plan that would enable us to achieve our goals. With his advice, we rearranged our pensions, investments and other savings to optimise returns and achieve the financial security that we were looking for. Our investments and expenditure are regularly reviewed and adjusted where necessary to ensure that our financial plan remains on course.

Have you seen the outcome you were hoping for?

Yes. With Ray's help, our financial affairs have been sensibly and carefully organised to enable us to enjoy our retirement to the full.

What could they have done better?

Can't think of anything.

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

I needed to sort out my pensions situation and get advice on pension allowances.

How has Ray Martin helped you?

He has provided a detailed financial plan and strategy, helped me rationalise a lot of fragmentary pensions and set up savings vehicles. He has also advised on how to think about children's education and startups.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All good thanks.

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

I wanted to find an IFA that was truly independent.

How has Ray Martin helped you?

By helping us come up with a plan for funding our retirement.

Have you seen the outcome you were hoping for?

Yes

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

My husband and I wanted to set up SIPPs and Ray advised us on this.

How has Ray Martin helped you?

When my husband died in 2019 I asked Ray to advise me on all our investments with a view to setting up an ethical portfolio and making my affairs simpler.

Have you seen the outcome you were hoping for?

Yes, my ethical portfolio has performed well.

What could they have done better?

I don't think so.

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

Approaching retirement and needed an efficient & effective investment strategy for our savings and remaining earnings coupled with a pension strategy

How has Ray Martin helped you?

Good long term plan and investment advice. Friendly, professional & personable engagement

Have you seen the outcome you were hoping for?

So far yes.

What could they have done better?

No isdues