Business Details
21 Years
experience
Your Trusted Financial Advisers for Retirement Planning
We are independent financial advisers based in Epsom and Ewell, specialising in retirement planning and wealth management. Our purpose is to transform clients' assets into stress-free retirement strategies with guaranteed income and confidence in their financial decisions. With a hand-picked team of highly qualified professionals, we have delivered bespoke financial solutions for over 15 years, maintaining a 5-star rating on VouchedFor and recognition as Top Rated Advisers in The Times. Our fee-based model prioritises transparency, and our collaborative approach ensures every client receives tailored advice aligned with their unique goals.We specialise in complex pension planning, inheritance tax mitigation, and investment management, combining technical expertise with clear communication to demystify financial processes. Our commitment to regulatory compliance and client education has earned us trust across Surrey and surrounding areas, where we continue to help clients achieve financial security through proactive, lifelong partnerships.
Services
Retirement Planning
Pension Advice
Inheritance Tax Planning
Investment Management
Financial Reviews
Details
- Year established: 2005
Highlights and features
- We are independent financial advisers with access to the entire market
- Specialists in retirement planning with 15+ years' experience
- Fee-based model ensures transparent, conflict-free advice
- Award-winning team featured in The Times since 2018
- 5-star rated on VouchedFor with verified client testimonials
Associations and certifications
- Financial Conduct Authority
What people say
Stress-free retirement
Comprehensive plan
Sound advice
Wise investments
Peace of mind
Services
Retirement Planning
We create tailored retirement plans considering pensions, savings, and lifestyle goals. Our process involves risk assessment, income projections, and tax-efficient strategies. Clients benefit from ongoing reviews to adapt to changing circumstances and market conditions.
Inheritance Tax Planning
Our specialists develop strategies to minimise inheritance tax liabilities through trusts, gifting, and investment vehicles. We ensure compliance with current regulations while preserving family wealth for future generations through structured, ethical approaches.
Investment Management
We construct diversified investment portfolios aligned with risk tolerance and financial goals. Our approach combines market analysis with regular performance reviews to optimise returns while maintaining appropriate risk levels for each client's circumstances.
Pension Advice
We provide comprehensive guidance on pension consolidation, drawdown options, and lifetime allowance management. Our advice focuses on creating sustainable income streams while navigating complex pension regulations effectively.
Financial Reviews
We conduct annual reviews of financial arrangements to ensure alignment with evolving goals. This includes assessing investment performance, updating risk profiles, and adjusting strategies to reflect life changes or regulatory updates.
People
Ray Martin
Founder and Director
With 20+ years' experience, Ray established Four Seasons Financial Planning Ltd Financial Planning in 2005. He specialises in retirement strategies, holding chartered status and regulatory compliance expertise while maintaining long-term client relationships.
Adrien Houdet
Financial Planner & Client Manager
Adrien combines technical pension knowledge with client-focused service, managing portfolios and conducting financial reviews while maintaining ongoing client communication and support.
Chelle Liennard
Office Manager
Chelle oversees daily operations and client administration, ensuring efficient service delivery and maintaining organisational standards across all client interactions and documentation processes.
Silje Olsen
Paraplanner
Silje provides technical support for financial planning, conducting research and preparing documentation to ensure compliance with regulatory requirements and client-specific needs.
Katherine Mock
Chartered Financial Planner
Katherine offers expert pension advice and investment management, combining chartered status with practical experience to deliver tailored solutions for complex financial situations.
Questions
What financial services do you specialise in?
We specialise in retirement planning, pension advice, inheritance tax mitigation, investment management, and financial reviews tailored to individual needs.
How do you work with clients?
We use a three-stage process: initial advice to understand your goals, implementation of tailored solutions, and ongoing reviews to adapt to life changes.
What are your fees?
We operate a transparent fee-based model with no hidden charges, detailed in our FCA-compliant documentation available upon request.
Are you regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) and appear on their official register.
Which areas do you serve?
We primarily serve Epsom, Ewell, Ashtead, and surrounding Surrey areas, with clients across the UK through virtual consultations.
