Reviewed for

Insurance and Protection ( 7 )

Mortgages ( 1 )

Pensions ( 14 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 2 )

Auto Enrolment ( 1 )

Investments and Savings ( 24 )

Inheritance Planning ( 3 )

Reviewers' assets

£200k - £500k ( 5 )

£100k - £200k ( 3 )

Up to £50k ( 5 )

£50k - 100k ( 4 )

Client reviews

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Michael

We didn't discuss charges at this first meeting.

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Michael

Michael was friendly and approachable and showed suprising insight into my situation (and me). My impression is that he sets out to provide advice that is targeted specifically to my individual need. His is not a 'one size fits all' solution,yet I feel he is careful and rigorous in his analysis and offers fresh insights into money management.

First impression from a user who is not yet a client

October, 2016

Overall

Please provide a brief comment about your experience with Michael

His approach was very interesting and thought through. However, in retrospect I realise that I would prefer to use and IFA who was part of a small business or team, rather than acting on his own, and so will probably not use him.

Michael's reply

Hi David Thank you for the taking the time to lave a first impression. Kind regards Mike

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

I have very little knowledge about invertments so I needed some expert advice.

How has Michael Raymond helped you?

Michael is very knowledgable and gave me sound advice.

Have you seen the outcome you were hoping for?

Early days but I'm sure the outcome will be good.

What could they have done better?

I honestly can't think how Michael could improve his service. 5/5 stars.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

Needed advice on investments and inheritance planning.

How has Michael Raymond helped you?

Michael gave us the help and advice we needed.

Have you seen the outcome you were hoping for?

It's too early days to tell but I feel positive.

What could they have done better?

Nothing! I was more than satisfied with Michael's advice.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

Getting the best results from my pensions.

How has Michael Raymond helped you?

Michael put us at our ease from the first meeting and has consistently maintained a professional, yet relaxed atmosphere, combined with clear defined advice and help throughout the process.

Have you seen the outcome you were hoping for?

Yes, we went into this process not quite knowing what to expect, but the outcomes have been pleasantly successful.

What could they have done better?

We feel that Micheal achieved everything we asked him to achieve.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Devon

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

The birth of children prompted me to seek insurance and protection and the receipt of an inheritance, investment advice.

How has Michael Raymond helped you?

1Mike fully understood my requirements and explained in a clear and concise manner the options available to me.

Have you seen the outcome you were hoping for?

Yes, I feel more financially secure than previously, with insurance and protection in place in the event of illness or death and with the investments made performing well.

What could they have done better?

Nothing

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Devon

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

The birth of children prompted me to seek insurance and protection and the receipt of an inheritance investment advice.

How has Michael Raymond helped you?

1Mike fully understood my needs and clearly explained the options available to me.

Have you seen the outcome you were hoping for?

Yes, I do feel financially secure having taken Mike's advice. I have the protection I require for my family in the event of illness or death and the investments made are performing well and I feel confident that this will benefit me enormously later in life.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Devon

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

Life assurance for business.

How has Michael Raymond helped you?

Put in place cross option agreement.

Have you seen the outcome you were hoping for?

Have not had to use.

What could they have done better?

Nothing

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

Having built up a nest egg in cash was looking for a better return on investment than what was being offered in savings accounts.

How has Michael Raymond helped you?

On the first meeting with Mike, he reviewed my current financial standing and even before discussing terms of engagement made suggestions regarding my pension funds.

Have you seen the outcome you were hoping for?

At this moment the investment suggested by Mike has dropped in value below the level invested but the whole market has been down over the same period.

What could they have done better?

Mike was clear on the reasons he was recommending the course he was suggesting and also took time to explain the workings of my pension schemes that where started over twenty years ago. If I had a question Mike takes the time to ensure that the answer is understood. So I do not have any suggestions to make on how to improve.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

I received a sum through inheritance and am responsible for the financial affairs of an elderly relative. I am also at a stage in my life where my circumstances are changing on a regular basis. I needed an adviser who could manage both these aspects and respond to my changing needs.

How has Michael Raymond helped you?

Mike has explained clearly how my income and expenditure is likely to change over time and how my investment and spending choices will affect that. He has also been able to give me "what if" scenarios which are essential if your situation is changing.

Have you seen the outcome you were hoping for?

I am a new client so we are still assessing which products to go with, but I can say that I feel much more confident in my financial future and less worried about the "what ifs".

What could they have done better?

Nothing so far.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Somerset

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

Divorce.

How has Michael Raymond helped you?

I have only had 3 meetings with Mike and feel totally at ease with him, therefore am able to take in all that he explains, especially his diagrams. He has understood my situation and come up with a suitable plan.

Have you seen the outcome you were hoping for?

Early days but have total faith!.

What could they have done better?

first rate

Review from verified client

March, 2016

Overall

Value

Service

Advice

Based in Somerset

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

Death of my husband.

How has Michael Raymond helped you?

Provided an overall strategy for managing my finances and investing that was tailored to both my wishes and personal circumstances.

Have you seen the outcome you were hoping for?

Have only been with Michael for 7 months but so far all seems to be working well within the circumstances of my situation.

What could they have done better?

Nothing occurs to me

First impression from a user who is not yet a client

January, 2016

Overall

Please provide a brief comment about your experience with Michael

Michael was very professional in his approach to our needs, he listened intently and patiently, was very clear with the paths and options we may need to consider, and was clear about how he could help us. Thank you Michael.

First impression from a user who is not yet a client

December, 2015

Overall

Please provide a brief comment about your experience with Michael

Jane and I enjoyed your visit,particularly as, unlike many"consultants" you listened as well as talking to us. We mutually agreed that it was unlikely that we would benefit from your services. I was pleased to be reassured that our planning was on the right lines. Should any friends or colleagues discuss financial matters with me I would unhesitatingly recommend you to them

Review from verified client

November, 2015

Overall

Advice

Service

Value

Based in Somerset

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

We were seeking security and peace of mind in retirement.

How has Michael Raymond helped you?

he has helped us understand our money, make the most of it and of course enjoy it as well.

Have you seen the outcome you were hoping for?

We are retired 12 years and very much enjoying it. We enjoy lots of holidays yet are not going to run out of money.

What could they have done better?

Nothing. He's always been available at all times for all things financial.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

We had several fact finding meetings with Mike prior to his presentation of recommendations. Mike has been clear and concise in his advice to us and given us a better idea of how our savings and pension pots can be optimised, taking into account our circumstances.

Review from verified client

March, 2015

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

I have Mike around every twelve months to check on my finances, he's a good honest friendly guy with a terrific knowledge of the business.

What could they have done better?

Nothing that i'm aware of.

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Michael

Michael was very helpful and professional in the advice he provided on the day of my visit and also in an email he sent following my meeting. All in all a very good experience. Thank you

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Michael

We have had an initial meeting, which was explained in excellent detail. Now just waiting on Michael's proposals.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

This is what financial planning is all about, never mind about how well a product is performing this can change over-night. Micheal is concerned that you have the finances to live life to the full during your retirement, leaving something for your dependents if you so wish or if like myself,having no dependents, you enjoy your later life and do not leave the rewards of all your hard work to an avaricious government!! Keep up the good work Micheal,I could not recommend a better approach to financial planning.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

I wanted the peace of mind of a secure future for my wife and children, Michael looked at all of my finances and tailored a plan that could give me what I needed. Michael explained it all in a professional but relaxing manor and made sure I understood and was happy with what I was being provided with.

What could they have done better?

Nothing that I can honestly think of, I got what I asked for.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

I particularly appreciate Michael's efforts to really understand my individual financial situation, taking time to gain a complete picture before giving advice or making recommendations.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

Mike is highly conscientious with a genuine interest in his clients and this shines through with the care he takes in providing advice and the passion he has for his subject.

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Michael

Michael contacted me very quickly after I made the initial enquiry but after I had already made arrangements to meet another advisor.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

Michael is patient and takes time to understand your situation and will advise according to your current needs and your expectations for the future in a friendly but professional way, ensuring that you understand any level of risk that there may be. Michael explains his personal policy, his services and fee structure clearly and I feel confident that I will benefit from his knowledge and understanding of the finance and investment industry.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

Michael clearly explains the financial picture using terminology that can be fully understood. He is patient and has given me sound advise in respect of one of my pensions where my previous financial advisor had failed. As a client one feels he is offering a very personal service and has put a lot of effort in to preparing information.

What could they have done better?

No comment to make.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

I recently contacted Mike to advise me on investing some money after a friend highlighted his aptitude for wise and sound advice and his approachable manner. Mike is a genuine, knowledgeable and trustworthy chap. He immediately put me at my ease and I was surprised at the time and trouble he took to explain things. I feel extremely confident that Mike is handling my investment.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

Mike has managed our family finances for several years. His passion for his work is obvious and his thoughtful and patient approach is second to none. He has always taken the time to explore the bigger picture – he has helped us to plan for the future and helped to us feel financially secure. We also have the security of knowing that Mike is ensuring our investments are being managed and monitored effectively. Mike has a very in depth knowledge and understanding of the financial world but has an ability to explain the relevant bits in a user friendly way! He has a professional but friendly approach and I cannot recommend him highly enough.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

Mike is easy to talk to - he has a very comfortable manner and is able to convey complex financial matters in quite simple terms. I would trust Mike to always do the right thing for me - he is very good at understanding my individual needs and I never feel obliged or coerced into making any decisions. I would highly recommend him to anyone looking for a trustworthy financial adviser/planner.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

We have been with Michael for a number of years 10 + we find him very trustworthy and very understanding of our personal circumstance to us trust means a lot and he as always invested with our interest at hart.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

Michael understands my situation, what I hope to achieve and the risks involved. He explains everything thoroughly including the charges an all aspects of an investment.

What could they have done better?

Nothing

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

Very helpfull when I was at an extreme low,.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

Over the years MikeÂ’s advice and guidance on our overall financial position has been invaluable. I know he places our best interests at the heart of everything he does. I am confident our financial future is in good hands and we continue to have no hesitation in recommending Mike to clients and friends alike

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Devon

How has Michael Raymond helped you?

IÂ’ve known Mike for over 15 years. HeÂ’s handled my personal and corporate financial planning through different businesses, a divorce, the kids growing up, buying and selling several properties and even a complicated group pension and latterly SIPP . HeÂ’s always given straightforward, smart investment advice, practical solutions and proactive ideas at every stage. His integrity has always been paramount and in my view, is his key attribute. I hope to be working with him for the next 15 years, although hope itÂ’s a simpler journey for both our sakes!

What could they have done better?

He should not be apologetic about fees

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Somerset

How has Michael Raymond helped you?

I have had a long standing professional working relationship with Mike where I have referred a number of clients for specific financial advice and always found Mike to be approachable, friendly, knowledgeable and above all, someone in whom I am comfortable and confident in making client referrals to.