As Independent Financial Advisers, we have access to financial products from the widest possible range of leading investment management and insurance companies. IFA’s like us have complete freedom to recommend particular product purely on the basis that they best suit the needs of the client. We recognise that clients financial needs and objectives vary enormously. That’s why Martin Ratcliffe Independent Financial Services offers a range of services designed to assist our clients through their various life stages, whether it is arranging a competitive mortgage deal or reviewing their investments with the aim of achieving a happy and secure retirement.