My finances have been completely revolutionised. I am now clearly able to see what I have, all my investments are managed in one place and are easily accessible. Predictions of my future financial position are good and I can clearly see where I will be in 10 years time. Personally I would recommend these services to any doctor or dentist who wants to plan their finances.
Paul Sidhu, Consultant Radiologist, Kings College Hospital, London
Working with Graeme was easy. At first, thorough financial planning seemed time consuming, but that ensured things were fully discussed and all options considered. I also find that now having put some initial work in, Graeme saves me time by not only sorting things out, but also pointing out important matters that have escaped me.
Julian Hawkings, specialist oral surgeon for the NHS, Sedgefield, Co. Durham
Without being pushy, Graeme periodically updates us on how things are going (including any adjustments necessary due to changes such as additional children!) and any necessary changes he feels advisable. He has always provided an efficient and friendly, understandable service.
Alex Rogers, Associate Specialist in Oral and Maxillofacial Surgery, North Wales
The cash flow forecasts used are way ahead of anything we have seen, and meant we could stop paying into expensive products, as we did not need them. The certainty that Graeme is acting in our best interests is very comforting and refreshing.
Donya and Mat Young, General Medical Practitioners, Kent
Fortunately Graeme was able to advise us on how to achieve our long-term goals and because he works using a fee-based system, we did not feel pressurised to purchase lots more policies from specific companies. He quickly grasped our current financial situation, identifying where we needed to change things for the better. He produced a very comprehensive report of our current and future financial situation, which was both reassuring and allowed us clearly to see how to plan for the future.
Mike Amin, Maxillofacial Surgeon & Lucinda Amin, Dentist in London
Having understood our own position he has been able to navigate this whole confusing morass of information on our behalf and help us work out a sensible, albeit bespoke pension solution which otherwise would have been impossible regardless of the number of evenings or weekends spent trying to work this out for ourselves. He has also helped rationalise several other aspects of our finances, and remains on hand to pick up a variety of queries as they arise. We are very grateful to him for sharing his knowledge and expertise, and can recommend his services without hesitation.
Miles Parkes, Consultant at Addenbrooke’s Hospital & Alison Parkes, Physiotherapist in Cambridge
Now that I'm only 10 years from retirement I can see how much Ray’s advice has paid off, in that I have confidence that I will have sufficient funds to maintain the standard of life I have currently. Over the many years I've known Ray I can't think of anything that he could have done any better - he and his team are well organised and make things as easy for me as possible, he's responsive when I need advice and he's great at helping me understand my options.
Patricia Fisher, Consultant Oncologist, Sheffield
Ray is thorough, clear and professional. Ray is a good listener and has given and continues to give us financial advice to plan for our retirement and achieve the best from our savings. Ray has also helped us withfinancial advice to assist our family as they have left home. Ray is the best adviser we have had.
Greg Morse, Dental Surgeon, West Midlands
Ray's explanations are routinely full without being over technical, decisions are always confirmed in writing and the fee structure is fair and transparent. For the first time in my life I feel I am in the hands of a truly honest and thoroughly professional advisor.
Richard Wozniak, Retired Dentist, Cumbria
Ray does financial planning that is tailored to our needs. He uses software which gives a picture to show a forecast of our financial position ahead in retirement, which gives us great peace of mind. He is truly independent and is not tied to any particular product or institution.
Andrew Hawker, Dental Surgeon, Dorset
Ray first asked us how we saw our future, our ambitions, assessed our attitude to financial risk and then looked at the chaotic state of our finances. We had a large number of policies taken out over many years with no real overall plan, he explained why we should cash in some and keep others, looked at our NHS pensions and essentially put us on track to achieve our goals. Now that we have a plan, we meet up annually to see how it is going.
Rob Broad, Dental Surgeon, Cumbria
Working with Ray has been, and is, a real positive experience, he is extremely knowledgeable, professional, takes as long as necessary to explain things until you are completely happy and is available at any time to speak to over the phone for any queries, I suppose it also helps that he’s a really nice bloke! Ray spent a great deal of time to get to know me and my current situation and aspirations and in a very short period of time I was able to get a really good clear idea of where I was financially at that time and more importantly I have now got a real confidence of how my future finances right into retirement will stack up.
Nigel Manley, Dental Surgeon, West Midlands