Ray has been my financial adviser for the past decade. I have always been impressed by the quality of his advice and his personal integrity. Ray's knowledge on pensions (personal and occupational) is second to none. Anyone I have recommended Ray to has been most pleased with his advice and have recommended Ray on to their friends and contacts. A pensions expert with enthusiasm and personality may seem a contradiction in terms but that describes Ray.

I have known and been a client of Ray's since 2010 and could not speak more highly of him, the business he has built and the service it offers or the team he has developed around him. Ray has provided financial and business services to an extremely high degree of expertise and discretion for all the time that I have known him. He is personable, knowledgeable - a clear expert in his field - and, most of all, unquestioningly generous with his time and feedback. Not only that but he has created a team that are a direct reflection of his personal integrity and attitude toward operating a business, being an employer and a member of the local community; you only have to look to the length of service of different members of his team and their personal career development to get a grasp of his ethics. I have recommended Ray's business many times and would never hesitate to continue to do so.

Ray has been my financial adviser for the past decade. I have always been impressed by the quality of his advice and his personal integrity. Ray's knowledge on pensions (personal and occupational) is second to none. Anyone I have recommended Ray to has been most pleased with his advice and have recommended Ray on to their friends and contacts. A pensions expert with enthusiasm and personality may seem a contradiction in terms but that describes Ray.

I have known and been a client of Ray's since 2010 and could not speak more highly of him, the business he has built and the service it offers or the team he has developed around him. Ray has provided financial and business services to an extremely high degree of expertise and discretion for all the time that I have known him. He is personable, knowledgeable - a clear expert in his field - and, most of all, unquestioningly generous with his time and feedback. Not only that but he has created a team that are a direct reflection of his personal integrity and attitude toward operating a business, being an employer and a member of the local community; you only have to look to the length of service of different members of his team and their personal career development to get a grasp of his ethics. I have recommended Ray's business many times and would never hesitate to continue to do so.

Ray has been my financial adviser for the past decade. I have always been impressed by the quality of his advice and his personal integrity. Ray's knowledge on pensions (personal and occupational) is second to none. Anyone I have recommended Ray to has been most pleased with his advice and have recommended Ray on to their friends and contacts. A pensions expert with enthusiasm and personality may seem a contradiction in terms but that describes Ray.

I have known and been a client of Ray's since 2010 and could not speak more highly of him, the business he has built and the service it offers or the team he has developed around him. Ray has provided financial and business services to an extremely high degree of expertise and discretion for all the time that I have known him. He is personable, knowledgeable - a clear expert in his field - and, most of all, unquestioningly generous with his time and feedback. Not only that but he has created a team that are a direct reflection of his personal integrity and attitude toward operating a business, being an employer and a member of the local community; you only have to look to the length of service of different members of his team and their personal career development to get a grasp of his ethics. I have recommended Ray's business many times and would never hesitate to continue to do so.