We are Independent Financial Advisers - IFAs. Ray Galbally founded the business in 2001.
We are members of a network of advisers, called In Partnership, which is authorised and regulated by the Financial Conduct Authority (FCA). We act as Independent Financial Advisers and this status brings with it a duty of care to act in the best interests of our clients. We are not agents for selling insurance company or bank products, nor are we tied to any particular company. Our first goal is to understand your needs, we then consider your existing provisions and if appropriate, we then seek to recommend retail investment products from the whole of market.
Decisions about your financial future are amongst the most important you will ever make. We are fully aware that you can obtain instant information from Google (other search engines are available) and there are now low cost on-line solutions driven by computers - "robo advisers" - providing relatively simple one-size-fits-all solutions. However, we don't believe that Google or a robot can really get to know you and your needs and ultimately, we believe value for money is more important than simply seeking low cost. Our experience is that you normally get what you pay for.
So what makes us different?
We (admittedly with the help of computers and sometimes even Google) provide a tailored service to our clients. We know that having a carefully tailored and managed financial plan in place will help you achieve your goals. This will make you better prepared to deal with whatever the future holds. That will make you feel better about all sorts of things in life.
Whether you are young (lucky you) and aiming to grow your wealth, or perhaps you are now ready to take a well-earned retirement (lucky you), or perhaps you want to plan to provide for your beneficiaries (lucky them), we can and will help you understand your options and recommend what's best for you and those people that are important to you.
For our clients we aim to provide a friendly approachable service focused on:
Genuine Client Suitability
Management of Client Expectations
A Robust and Repeatable Investment Management Service
Choice and Flexibility
Transparency and Value for Money
Our own ongoing advice charge is between 0.5% p.a. (£50 for every £10,000 invested) and 0.75% p.a. (£75 for every £10,000 invested) of your investment value. In addition, there will be other ongoing charges as you will need a home for your money (e.g. a pension provider or investment platform) with a typical charge in the region of 0.3% p.a. (£30 for every £10,000 invested). You will want to try make your money grow, so you will need to invest it. The funds will have a typical charge in the region of 0.75% p.a. (£75 for every £10,000 invested). One of our main aims is of course to try and help you make more than the charges you are paying out, but this cannot be guaranteed as investments go down as well as up and you may get back less than you put in - there's your first two Risk Warnings and there's plenty more where these came from!
Initial set-up fees apply in addition - please download our Service Charter here for further details.
There are four registered and authorised advisers in the firm, so you can be confident your affairs are in capable, well qualified and experienced hands. Our clients really appreciate the benefits of a close working relationship with a relatively small team.
We work closely with our clients and our business is generated by word of mouth. We also work with other professional advisers such as accountants, solicitors, insurance brokers and stockbrokers and are able to offer introductions to them if required.
Each client is different, so we offer different levels of service and you can choose to have as much or as little involvement as you desire. Speak to our friendly office on 01245 329333 - we promise you will not need to select keypad options, be passed around the UK or be placed on hold for longer than it takes to transfer a call to the best person to assist with your call!
To find out if we are right for you and so that we can find out if you are right for us, we will offer you a 'getting to know each other' meeting at our expense and without obligation. Think of it as a first date; if you don't like us, drop us a "sorry it's not you it's me" text...
Remember too, that we are always seeking to improve how we do things and evolve for the better, so when you know us well enough, feel free to offer us some advice too!
About Us & What We Do
Ray Galbally is a Pension Transfer Specialist. We can advise on both new and existing personal and occupational pensions and can help you in all areas of your retirement planning
Wealth management advice on ISAs, Bonds, General Accounts, VCTs, EIS, and Business Property Relief. Tax efficiency is important to us
Make sure you, your family and your business are all protected for any worse case scenarios
Income Tax, Captial Gains Tax and Inheritance Tax can all be controlled or reduced with careful planning. Let us help you understand your position and help make your beneficiaries better off
We are experienced advisers in all areas including group pensions, private medical insurance, life assurance, income protection and Auto Enrolment schemes
We recommend on both residential and Buy-to-Let* mortgages. Furthermore we are qualified to advise on Equity Release plans
Let us help you understand whether you can afford the lifestyle you want
Before considering use of the products and services outlined below, our first job is to understand you, our client. These are examples of financial tools we may choose to recommend to help you to achieve your aims
Trust & Estate Planning*
Make sure you, your family and your assets are all protected for any worse case scenarios
*Tax Planning, Trust & Estate and Buy-to-Let mortgages are not regulated by the FCA
Jenny Eayres DipPFS CertPFS (Securities)
Our advisers are supported by a well qualified and multi-skilled team of Paraplanners & Administrators at
As I approached retirement 10 years ago, I needed professional advice and guidance to ensure the amalgamation of various pension funds provided me with the best possible pension.
I was introduced to TWP, and in particular Ray Galbally, and have received expert advice, on pension fund and other financial matters, in a friendly, helpful way that is easy to understand; importantly the service has been tailored to my individual needs.
I have the peace of mind knowing that the challenging and complicated rules and regulations governing pension fund administration and management are being continually monitored by a professional, trustworthy and caring organisation.
The excellent overall service provided by TWP means that I have no hesitation in recommending them, knowing that clients will receive the very best attention.
MW Buckhurst Hill, Essex
Ray Galbally has been my trusted adviser for many years. Ray is a highly qualified, technically proficient and experienced adviser who genuinely puts the interests of his clients above all else. Ray manages my affairs with a timely and efficient service.
I would have no hesitation in recommending his firms services.
JG Romford, Essex
We would both like to thank you for the most professional way you handled the whole transaction.
MB Maldon, Essex
The Woodham Partnership Limited is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England No. 5316578
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