I bumped into Ravinder at a networking event where he discussed spouse benefits on pensions. I immediately had my pensions reviewed to ensure my partner inherited the funds if anything were to happen to me.
We held 4 meeting during which everything was clearly signposted and explained to me. Costs were explained very well throughout.
We wanted to invest a large sum as we had a British Steel pension pot that had closed and we contacted Ravi who promptly booked us in for a free first session and we subsequently engaged him to deal with this for us.
Ravi has become a very good friend in the process and we trust him impeccably.
My father was looking for a simple solution to drawdown and move a pension scheme.
From the first conversation Ravi explained everything that would happen in terms of meetings and expected outcomes. He was very upfront from the start and made himself available as needed. We found him to be easy to deal with and explained things very easily with simple terminology.
Ravi did exactly what my father wanted and very swiftly. He dealt with our expectations and my dad was very happy with the overall outcome.
I need to organise and understand what I have and plan for the future.
Ravi was extremely patient and he brought together the pension information and sorted out a better plan.
Richard Fraxer, Kidderminster
Ravi was very flexible and when I mentioned I'd like to meet asap, he was able to meet me on a Sunday morning at my house which was exceptional. After explaining his service and what his advice was in regards to how we should move forward. I went through the whole initial application within 20 mins and I was able to provide all info and ID documents as were at home. The best thing he mentioned was the proviso to keep payments manageable and affordable, using our younger age to our advantage with mortgage products. He also had some good advice in relation to income sources and guidelines around what lenders are likely to consider or dismiss. He also stated about Agreements in Principle.. previously i suppose i was naive to think AIPs were set in stone but he clarified that any IFA can get you an AIP but when it comes to the actual application, lenders can still reduce their lending capacity so to be cautious of this.
Jas Johal, Kingswinford
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