Duncan Ratley – Branch Principal
Duncan is a highly qualified Financial Adviser being both a Chartered Financial Planner and Certified Financial Planner. Duncan also holds the Investment Management Certificate and is authorised to manage investments for clients on a discretionary basis as well as providing financial planning.
With over 30 years in financial services, Duncan has seen most of what the financial world can throw at clients. His breadth of experience and reassuring demeanour has led to strong, long term relationships with clients, many of whom have been working with him for between 15 and 20 years.
Duncan works closely with a number of other professionals to deliver the required services to clients. Duncan coordinates other professional advisers, working together to deliver the strategies needed.
An example of what Duncan’s clients have to say:
“You have so much support because you are so professional – and caring – in what you do. For my part thank you, thank you, thank you for all you have done for us over the
years – and latterly for being so good to me. Life would not have been the same without you.”
– LG, Devon
Clive Down – Branch Principal
Clive has worked in Financial Services for 25 years, building experience as a Financial Adviser and now specialises in Wealth Planning for clients in retirement. He enjoys long term relationships with his clients, the majority of whom have been with him for over ten years and a few brave souls from day one.
He is a member of the Chartered Insurance Institute and holds a number of their Advance Financial Planning professional qualifications. In this capacity he has been regularly quoted in the Financial Press and in the Sunday papers on Retirement issues.
Clive has worked with large UK Blue Chip Companies helping senior people with their retirement planning and has been retained as a Financial Speaker on many Retirement Seminars. Clive now concentrates on his private clients and helping to develop and grow the business.
Comments from Clive’s clients usually use the words “honest”, “straight forward”, “clear” and “has a sense of humour”.
Martin joined the Down Ratley Branch of Raymond James in January 2016 having known Duncan, Andrew and Clive for many years.
Martin has been advising clients for over 25 years and specialises in helping clients who are approaching or already enjoying retirement.
Martin is a Fellow of the Personal Finance Society, a Chartered Financial Planner and a fully qualified Discretionary Investment Manager,
Duncan, Clive and Andrew are delighted to have Martin’s experience available to not only look after Martin’s long-standing clients, but also provide additional support and input to the service provided to all clients of the Branch.
He sees his role as empowering clients to make positive decisions about their future by explaining financial matters in ways that are easy for them to understand and apply.
Andrew Margrie – Client Services Manager
Andrew has worked in the industry for over 15 years following graduating with a Business Studies degree from the University of Hertfordshire and holds The Certificate in Discretionary Investment Management from the Chartered Insurance Institute. Andrew has a strong compliance background having worked in the compliance department for a large asset management company in Exeter, and also spent 3 years as a self-employed Compliance consultant working with a number of Wealth Management and Stock Broking firms across the country.
Andrew moved to a client facing paraplanning role in 2010, and has grown to thrive on interacting with, and building relationships with clients ensuring that the on-going service we deliver continues to meet the high standards our clients expect.
Andrew is currently working towards The Diploma in Regulated Financial Planning.
Affiliation with Raymond James Investment Services Limited (Raymond James)
The Down Ratley branch of Raymond James is run as a commercially independent investment management practice by Duncan Ratley and Clive Down under a contract for services with Raymond James.
Raymond James, provides full support services to Duncan and Clive’s Branch, which includes account opening, asset transfers, trading systems, research tools, access to the custodian, technology support, client reporting, compliance and supervision, FCA authorisation and professional indemnity cover. All other matters related to portfolio management and client care are conducted from the Exeter office, which is the primary point of contact for clients.
As a result of our affiliation with Raymond James, our core investment management activities are fully supported by an efficient and trustworthy platform for all administration, cash handling, custodian and compliance services. Raymond James also provides the online access portal ‘Investor Access™’ where clients and their professional advisers may view their portfolios 24 hours a day.
Over the past few years, Raymond James has reinforced its reputation as a pillar of stability for wealth managers and their clients. We believe that success has a lot to do with the firm’s unwavering commitment to its founding core values of putting clients first, conservatism and integrity.
Raymond James Investment Services Limited (Raymond James) is a rapidly growing wealth management business, supporting 102 commercially independent practices that represent a mix of private client investment managers, stockbrokers and investment focused financial planners located throughout the UK. We commenced operation in 2001 and now have over 31,000 client accounts representing total client assets of over £8.7 billion (as of December 31st 2017).
Our US parent company, Raymond James Financial has a long and established history recently celebrating 50 years of providing excellent support to wealth managers like ourselves seeking to help clients reach their long term financial goals.
Pershing Securities Ltd (PSL)
Pershing Securities Limited is a member of The London Stock Exchange and is authorised and regulated by the Financial Conduct Authority. Whilst Raymond James administers the investment accounts, the custodian of the assets is Pershing Securities Ltd
RAYMOND JAMES is a registered trademark of Raymond James Financial Inc.