Michael Margai

Michael Margai

Perfect Protect Limited

Minimum savings/pensions: Over £50,000

Minimum mortgage: Over £100,000

0330 038 8938
Based in Greenhithe
View location
Verified since: December, 2019
4.9 out of 5

153 reviews

Checks carried out by VouchedFor

  • FCA Regulated

    Last checked: 11 May 2026

    Michael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority

  • 4

    Recent Client Reviews

    Verified reviews: 80%

    Michael has received 4 client reviews in the past 12 months; 80% of these have been verified

  • Restricted Financial Adviser

    Last checked: 05 January 2026

    When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.

  • 2

    Qualifications Uploaded

    2 qualification certificates available to view

    Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Michael has provided information on their typical fees

    Michael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 38

    Positive First Impressions

    97% of users who are not yet clients had a positive first experience with Michael

    97% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 38 first impressions)

About

I am a fully qualified Financial Planner with over 15 years of experience in the financial services industry, specialising in helping individuals and families build, protect, and preserve their wealth. Since 2012, my work has focused primarily on delivering personalised, face-to-face financial advice tailored to each client’s unique goals and circumstances. Over the years, I have helped hundreds of clients take control of their financial futures — from purchasing their first homes and building property portfolios to planning for retirement, growing investments, and protecting their families and lifestyles through comprehensive insurance solutions. My areas of expertise include: Residential & Buy-to-Let Mortgages Protection Planning (Life Insurance, Critical Illness Cover & Income Protection) Pension Planning & Retirement Advice Investment & Wealth Management Solutions Holistic Financial Planning I pride myself on building long-term relationships based on trust, transparency, and integrity. I understand that financial decisions can often feel overwhelming, which is why I take the time to listen carefully, explain things clearly, and provide honest, straightforward advice that clients can feel confident in. My aim is not simply to arrange financial products, but to help clients create lasting financial security and peace of mind for themselves and their families. Outside of work, I enjoy keeping fit, going for regular runs, travelling, and experiencing different cultures and perspectives from around the world Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.