Ray Garnett

Building a more certain financial future for our clients In 2005, with 30 years experience working as a financial planner, I launched the Utopia Group, which in March 2018 became Utopia Financial Planning. We are Independent Financial Advisers based in West Yorkshire, covering the whole of Yorkshire and beyond. As a small family business we care passionately about our clients. We believe great financial advice is at the core of building a more certain financial future. We have a team of highly qualified Financial Planners with access to the most up-to-date technology, to ensure we provide you with peace of mind that your financial future is more secure as a result of working with us. In April 2021 we sold our company to Fairstone Financial Management Ltd and became one of their regional offices. This has resulted in us having more time to look after our clients as much of the regulatory work is done by head office. It also means we have the backing of one of the UK's biggest Charted Financial Planning firms but you still get the feel of dealing with a small friendly team. I am a whole-of-market and independent financial adviser and I am also one of the highest-rated advisers in Liversedge and the surrounding areas, thanks to my client reviews. At the first meeting we will identify your needs and look at the options available to you, the different paths and your future goals. This meeting is completely free and is there for you to get to know me and work out if working with us is right for you. We have extensive reviews and this reflects how our customers trust and work with us, so please make sure you read them. If you are looking for help with any of the following please get in touch: -Investments and Pension Portfolios -Protection products -Tax planning for Income, Capital Gains and Inheritance -Retirement Planning I look forward to hearing from you.