Financial Planner in Reigate
Hi, I’m Michael Hayes, a Chartered Financial Planner in Reigate. I offer independent, whole-of-market advice to help you plan, retire and protect what matters.
What I do
Financial planning should feel clear, not complicated. I help you understand your options, then make confident decisions.
Plan
Build a practical plan that fits your goals, cash flow and risk tolerance.
Retire
Join the dots across pensions, savings and income so retirement feels secure.
Protect
Put sensible cover in place for you, your family or your business.
A personal, independent approach
You work with me from day one. I listen, ask the right questions, then analyse your position. Because I work across the whole market, I can compare products and providers for you. I set out simple choices, explain the trade-offs, then you decide. Fees are clear before any work begins.
Process
Discovery
We start with a short call or meeting in Reigate or online. I gather the facts that matter.
Analysis
I review your pensions, investments, cash flow and protection. I model different scenarios so you can see the impact of each choice.
Recommendations
I present clear options with pros and cons, explain all fees in plain English, and let you choose the route that best suits your needs.
Ongoing review
Life changes. I review your plan on a regular schedule so it stays on track.
Services
Annuity
Annuities convert pension savings into guaranteed income for life. I explain how they work, when they fit and how to blend them with drawdown.
Consulting
I run short, fixed scope pieces of work that solve specific problems.
Financial Education
Financial education is a structured way to help people understand their money.
Employee Benefits
Employee benefits are the practical ways a company looks after its team.
Business Protection
Business protection is about safeguarding the company from events that could threaten continuity.
Personal Protection
Personal protection covers the “what ifs” that could derail your plans. If you die, become critically ill or cannot work for a time.
Who I work with
I work with people who value clear advice and steady progress.
- Business owners
Who want structure, liquidity and sensible protection - Charity trustees
Who need compliant, transparent processes - Family trusts
That require careful coordination - Senior professionals
Planning the next stage - Pre-retirees
Who want to understand their options - Trustees or deputies
Who need a steady hand
Why choose me
Chartered status with years of practical experience
Independent, whole-of-market access
Clear fees explained before any work begins
Local presence in Reigate with flexible meetings across Surrey and online
Plain-English guidance with minimal jargon
Steady process from first call through ongoing review
Recent insights
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