Ray helps people understand their assets and plan for retirement. He keeps things simple too – using clear information to make informed decisions.

Whether it’s a tax wrapper, property or sale of a business, everyone has different ideas about retirement provision. Ray helps his clients make sense of their individual circumstances – and improve on them where he can – with detailed insight and independent advice.

A large part of his success comes from the ability to keep things simple. He’s skilled at removing confusing jargon so that his clients understand how financial rules can affect their plans. As a result, he can be sure of long-term relationships with clients that make the best financial decisions.