Testimonials

I am happy to recommend Ray to any prospective client. He has provided us with valuable personal and corporate financial planning advice and I have always found him to be very helpful and reliable.
Jayne Appleyard, APA Concrete Repair Specialists Ltd

... Ray has worked with my current lawyers and accountants over the past few years. As a result of Ray's suggestions I have received several tax rebates or reductions in future tax liabilities. Ray also manages my investment portfolio and there has been a distinct improvement in performance since his appointment as my adviser. I would have no hesitation in recommending Ray to any potential clients.
Michael G Wright

For many years I have received financial planning advice from Darren Whitehead and more recently his business partner Ray Garnett. I have found both Ray and Darren to be a pleasure to work with in their endeavour to provide the very best solution to my financial planning and tax mitigation requirements. I have recommended, and would continue to recommend, Ray and Darren to close friends and acquaintances.
Stephen Mason, Stephen Mason Publicity

... Clearly, we have benefited from your expertise in recent years and we are very grateful for the help and advice from both Mike and yourself. ...
Dr D G Rivers

Thank you for your first class service.
A Pollard

... with many thanks for your very expert dealings with our affairs for the long past years, and subsequent repayments from Inland Revenue.
D & D Fryers

Thank you for the completion of our accounts so promptly ... (noted the charges remained unchanged, for which many thanks).
Anon

I would like to express my sincere thanks to Torevell Dent Financial Management. Michael Fox suggested I seek advice from the Financial Services Department with regard to my business plans. After discussing my financial situation with Neil Haywood, he came up with a solution, and ... I am now in a far happier and more favourable position. I would recommend that everyone should have their finances reviewed, I wish I had done it years ago. Once again thanks to Neil and Michael for your help.
Frank Johnson, A Crabtree & Sons, Bradford