What you've been saying....
My situation with personal property
My situation with personal property, pensions and an Interest only mortgage was becoming too complex. I needed to understand what my best options were.
Ray spoke at length with me to find out my full circumstances and gave me excellent advice which has helped me hugely and I am now fully aware what my retirement options are.
The facts were all obtained and my situation was explained clearly to me together with my options moving forwards.
Property purchase and planning for retirement
It all went very smoothly, the advise was clear and understandable and I have achieved what I needed.
A pension fund came to fruition
A pension fund came to fruition and I wanted advice on how best to utilise the funds.
Ray explained several options that were available and then advised me as to the best possible outcome for each.We then discussed the pros and cons and decided which option to go for.
I feel that Ray really couldn’t have done anything better as he was very thorough and concise and extremely patient when I kept asking questions! I would have no hesitation in recommending his services.
As I approached mid 60’s
As I approached mid 60’s with failing health and a disparate portfolio of assets I thought it was time to review where I was on my financial road and have a plan for the future.
Ray completely appraised where I was and by setting goals gave me a number of options to go forwards with based on a risk reward profile that we jointly agreed suited me.
Most of what Ray and I discussed has been put into effect by Ray and his team with very positive outcomes. My various pensions that were earning very little are now managed by a SSIP and that in turn has invested under Ray’s guidance to provide a healthy income stream whilst retaining an asset that is still showing capital growth on top of the revenue stream. My family are now secure well into the future and I have some order in what was once a chaotic financial horizon. We still have some fine tuning and planning to complete but I am very confident that the tax savings projected and plans prepared will stand the test of time and the whole process was accomplished at a very reasonable cost. It’s a great feeling knowing that the head of the business takes the time to understand your issues and keeps a watchful hand on the tiller at all times
Ray and I are still working closely together as Ray continues to make my plans and assets work for me and make sure I get the best advise possible and the best returns achievable. I do not see a way that Ray could have done more than he has already.
Raymond gave me excellent advice
Raymond gave me excellent advice, he explained clearly what I needed to do and what he would do. He has guided me every step of the way.
I have been completely satisfied and continue to be. We meet regularly and I’m kept up to speed.