Ralph’s favoured moto is that he would ‘never recommend something he would not use himself’. Ralph enjoys helping clients consider what they want to achieve in life and how to structure their finances to support this. He has a focus on assisting clients with managing their assets tax efficiently and how this impacts their ability to draw income in retirement.

Over the years, Ralph has become particularly well known for his expertise in locating old pension schemes, regularly helping our clients to trace money held with numerous providers. In addition, he has a keen interest in assisting with state pension and SERPS related claims.

Ralph has a wealth of experience having worked in the financial services industry for over 25 years, advising clients at the Prudential, Scottish Widows and Lorica. He joined Saltus following the successful merger of Saltus and Lorica in 2018.