Ray Turner
Chartered Financial Planner
Ray advises private clients on a range of different areas, including retirement planning, investment management, inheritance tax planning and long term care. His expertise extends to advising trustees in the management of trust funds and assisting attorneys who are responsible for the financial affairs of others. Ray often works alongside other professionals, such as solicitors and accountants, and believes in a multidisciplinary approach.
Ray is a Chartered Financial Planner. He joined Saltus in 2024 through the Forrester-Hyde merger. Ray is an affiliate member of the Society of Trust and Estate Practitioners (STEP) and is currently working towards the STEP Diploma to further enhance his expertise.
Ray takes a multidisciplinary approach to advising private clients on retirement planning, investment management, and inheritance tax, collaborating with other professionals to ensure comprehensive financial care.
"Ray is great at communicating and always explains things in a way that’s easy to understand. I always feel comfortable knowing he is doing his best for me and my finances."
Helen, West Yorkshire
"Ray communicates really well and keeps me informed, while also providing great insight into investment opportunities. I’m always treated with a personal touch."
Mark, Buckinghamshire
"Ray Turner has been invaluable in organising my pension, and I would highly recommend his work, advice, support, and professionalism. Ray has been incredibly supportive, providing guidance that is tailored to my needs, including advice on life insurance, trusts, and my pension. I could not have navigated this without him. Ray is always friendly and never makes me feel that my knowledge is inadequate."
Gail, Somerset
"Ray has helped guide my family through the finances following my father’s passing, and over the last year he has both made and saved us a significant amount of money."
Lance, Essex
"I rate our personal adviser, Ray Turner, highly; he has given us sound advice and useful information over the years. He is very responsive to any questions or guidance we need and is proactive too. "
Gill, Merseyside
"Ray is highly professional yet friendly and has proven his expertise through the success of his recommendations."
Karen, Essex
"Ray is always informative, answering all enquiries professionally and explaining everything fully. All calls are answered promptly, and he is consistently polite and considerate."
Paul, Staffordshire
"Ray is very proactive and responsive to all requests, and he has provided solid advice that has proved to be highly beneficial."
Peter, Essex
At home...
Outside of financial planning, Ray is a trustee and listening volunteer for his local Samaritans Branch. Ray also loves a good historical documentary, Star Wars, and the odd political debate with his fiancée.
Find out more about Ray Turner...
Education
Qualifications
- AF1 - Personal Tax and Trust Planning
- AF2 - Business Financial Planning
- AF4 - Investment Planning
- AF5 - Financial Planning Process
- AF8 - Retirement Income Planning
- Advanced Diploma in Financial Planning
- CF8 - Long-Term Care Insurance
- Diploma in Regulated Financial Planning
- J02 - Trusts
- J03 - The Tax and Legal Aspects of Business
- R01 - Financial Services, Regulation & Ethics
- R02 - Investment Principles and Risk
- R03 - Personal Taxation
- R04 - Pensions and Retirement Planning
- R05 - Financial Protection
- R06 - Financial Planning Practice
Achievements & Awards
- Sanderson Prize (CII - Advanced Diploma in Financial Planning) - 2022
- S A Parker Prize (CII - Diploma in Financial Planning) - 2018
Affiliations
- Member of the Personal Finance Society
- Affiliate member of the Society of Trust & Estate Practitioners (STEP)
Expertise
- Financial planning
- Investment management
- Wealth management
- Retirement planning
- Pension consolidation
- Tax planning for high earners
- Tax-efficient drawdown
- Inheritance tax planning
- The Lifetime Allowance
- Protection planning
- Pensions on divorce
- Financial planning for entrepreneurs
- Asset Allocation
- Multi-asset class investing
- Risk management
- Quantitative analysis
- Macro-economic analysis
- Investment advice
- Relationship Management