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Can we save you money?

Aside from improving the quality of advice and service they receive, most of our clients also make significant cost savings via us.

Call for an informal chat to find out whether we can do the same for you. Unlike many advisers, we don't sell, pester or pressure - so you really can feel comfortable getting in touch.

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Welcome to Candid Financial Advice

Justin Modray

We are an Independent Financial Adviser providing no-nonsense impartial advice to individuals around the UK.

Our aim is to give you excellent advice, service and value for money in a relaxed and friendly manner. We hate jargon and high charges, so work hard to find the most cost effective solutions and communicate in plain English.

We work with clients who have between £100,000 and £5 million and are very often able to save them a substantial amount of money on their previous arrangements, see example cost savings here.

Before agreeing to become a client, or spend a penny in fees, we are happy to invest time getting to know you and letting you get to know us. We only take on a new client when it is clear we can add real value.

Please take a look around the site including our client feedback to find out more. We'll welcome your call or email to answer questions or discuss how we can help.

Justin Modray

As featured by:
BBC1, BBC2, Radio4, Radio5, News24, FT, The Times, Sunday Times, Daily Telegraph, Daily Mail, Mail on Sunday, Independent, Observer, Guardian, Daily Express, Herald Scotland, Moneywise, Money Observer, Shares, First Time Buyer, Men's Health, thisismoney, interactive investor and more...

How much could you save?

Many of our clients have saved thousands of pounds a year by moving to us. See examples here.

What do our clients think?

We strive to deliver first rate advice and service - see what our clients have to say.

Calculate & compare the cost of advice

Advice cost & comparison calculator

The overall cost of taking advice can become excessive if you're not careful. Competitive fees, both for advice and underlying investments, are key. Use our calculator to gauge how much an adviser could end up costing you and compare costs between two advisers.