Business Details
21 Years
experience
Expert Financial Advisers in Epsom & Ewell
We are independent financial advisers based in Epsom and Ewell, specialising in retirement planning and wealth management. With over 15 years of experience, our team of qualified professionals provides tailored financial solutions to individuals planning for retirement, approaching retirement, or seeking to pass on their wealth effectively. Our approach begins with understanding clients' personal goals before designing bespoke financial strategies. We operate as a fee-based advisory firm, having pioneered this transparent model since our establishment in 2005. Our commitment to excellence is evidenced by our 5-star rating on VouchedFor and recognition as a Top Rated Adviser in The Times for multiple consecutive years. We maintain authorisation and regulation by the Financial Conduct Authority, ensuring the highest standards of professional conduct.Our client-centric philosophy focuses on simplifying complex financial matters, offering clear explanations and building long-term relationships based on trust and transparency. Through comprehensive financial planning, investment management, and inheritance tax planning, we help clients achieve financial security and peace of mind in their retirement years. Our multi-skilled team combines specialist expertise with a collaborative approach, delivering consistent results across changing economic landscapes. We maintain offices in both Ewell and Epsom, serving clients throughout Surrey and surrounding areas.
Services
Retirement Planning
Pension Advice
Inheritance Tax Planning
Investment Management
Financial Consultation
Details
- Year established: 2005
Highlights and features
- We are FCA-authorised independent financial advisers with 15 years of specialist experience
- Our team includes Chartered Financial Planners and certified professionals with diverse expertise
- We pioneered transparent fee-based advisory services in the UK since 2005
- Maintain 5-star client ratings on VouchedFor for eight consecutive years
- Specialise in complex retirement planning and inheritance tax mitigation strategies
Associations and certifications
- Financial Conduct Authority
What people say
Expert financial guidance
Clear explanations
Trustworthy advisors
Excellent listener
Proactive approach
Services
Retirement Planning
Our retirement planning service helps clients transition from wealth accumulation to sustainable income generation. We create comprehensive strategies considering pension provisions, savings, and personal goals. Our FCA-regulated advisers develop tailored roadmaps that address tax efficiency, risk management, and lifestyle aspirations while maintaining flexibility for changing circumstances.
Inheritance Tax Planning
Specialist inheritance tax mitigation strategies help preserve family wealth across generations. We implement legal tax-efficient structures while balancing investment growth potential with estate planning objectives. Our approach considers individual family dynamics and evolving tax legislation to maximise asset preservation for beneficiaries.
Investment Management
We provide discretionary investment management services tailored to individual risk profiles and financial goals. Our strategies combine market analysis with client-specific requirements to create diversified portfolios. Regular reviews ensure ongoing alignment with changing market conditions and personal circumstances.
Pension Advice
Comprehensive pension guidance covers workplace, personal and final salary schemes. We specialise in pension consolidation, drawdown arrangements and lifetime allowance optimisation. Our regulated advice ensures clients make informed decisions about their retirement savings structures.
Financial Consultation
Initial financial consultations establish clients' complete financial picture through detailed fact-finding. We assess existing arrangements, identify gaps and develop strategic recommendations. This holistic approach ensures all financial aspects work cohesively towards achieving long-term objectives.
People
Ray Martin
Founder and Director
With over 20 years of client advisory experience, Ray established Four Seasons Financial Planning Ltd Financial Planning in 2005. He specialises in retirement income strategies and has maintained continuous client relationships spanning decades, demonstrating exceptional expertise in long-term financial planning.
Adrien Houdet
Financial Planner & Client Manager
Adrien combines technical financial planning expertise with client relationship management. He focuses on implementing strategic recommendations while maintaining regular communication with clients throughout their financial journey.
Chelle Liennard
Office Manager
Chelle oversees operational efficiency and client service standards. With extensive experience in financial services administration, she ensures smooth implementation of advisory recommendations and client communication processes.
Silje Olsen
Paraplanner
Silje provides technical support to financial planners, conducting detailed analysis and preparing comprehensive planning documentation. Her expertise ensures accurate implementation of complex financial strategies.
Katherine Mock
Paraplanner and Chartered Financial Planner
Katherine combines technical planning capabilities with direct client advisory services. As a Chartered Financial Planner, she delivers specialist expertise in complex retirement and investment planning scenarios.
Questions
What areas do you cover?
We primarily serve clients in Epsom, Ewell, Ashtead and surrounding Surrey areas, with offices in both Ewell and Epsom.
Are you regulated by the FCA?
Yes, we are fully authorised and regulated by the Financial Conduct Authority as independent financial advisers.
How are you paid for your services?
We operate a transparent fee-based model, becoming one of the UK's first firms to adopt this approach in 2005.
What specialisms do you have?
We specialise in retirement planning, pension advice, inheritance tax mitigation and investment management for pre- and post-retirement clients.
How experienced is your team?
Our team has over 15 years of collective experience with individual client relationships lasting up to 20 years.
Can I get a free initial consultation?
Yes, we offer free initial meetings to discuss your financial planning requirements and determine how we can help.
