Alex is a top quality financial adviser. I started working with him a while ago looking at personal finances, seeking an adviser for some specific points I wanted to discuss. And quickly Alex was able to offer sound advice, not only on these, but on a vast range of matters that I hadn’t thought about, and without any pressure to sign me up.
Alex’s main difference is his understanding of risk – something that the other advisers I met initially didn’t touch on – and his ability to easily simplify financial subjects to know what options are available. Properly understanding, learning & managing the risk side of my investments, and not just the potential upside, and evaluating the different options in the market with this in mind has improved the health of my investments significantly over the past 12 months, on his advice.
I’ve since got Alex to start advising me on my business, on everything from pensions auto enrolment to tax planning to expansion finance planning, which is starting to save us money, and secure things not only for my companies but also our employees, which will become a significant bonus for us as a small, growing business keeping us competitive in helping to continue attracting the best talent.
Very easy & fun to work with. But most importantly knowledgeable & trustworthy. Great having someone reliable guide all my finances 24/7.
Very happy to recommend his services.
Really enjoy working with Alex. Some BIG Plus points I want to highlight –
a. Very approachable at all times. This is something I was looking for in an IFA.
b. Genuinely Interested in client’s well being and gain. Very Transparent.
c. Always provides different options and is more than happy to spend a lot of time explaining each of the options, their positives and negatives.
d. Fantastic value for Money. This is very key for me.
Had a great experience using the service. Alex and his team are very helpful, and not only got me the mortgage offer but also helped me dealing with the property agent. As a first time buyer, I appreciated their help a lot and would definitely recommend them!
Alex is extremely knowledgeable and trustworthy and always gives you the right advice. He is also very personable
We first met Alex over a few years ago and we have been using him ever since. He has been invaluable in preparing our current and more importantly our future financial planning. We had no idea how to properly put our affairs in order, and through Alex’s patience, persistence and flexibility, we are now confident and as prepared as we can be. I would highly recommend Alex to all our family and friends.
Alex has been my Financial Adviser for a while, and I have found him to be very knowledgeable and trustworthy. I’ve found his advice and suggestions in wealth management to be excellent and profitable. Alex has also given me outstanding advice on estate planning.
Alex is an excellent Financial Adviser. Happy to recommend his services as both a Business Consultant and a personal finance focussed Adviser.
I have been a client of Alex’s for over a few years now and in that time, he has done an excellent job for me. He instils confidence into the financial advisory process by being open, honest, responsive and on the ball. My feeling is that he genuinely cares about his work and I appreciate that he works with me on an individual basis..
I’ve used Alex as my financial adviser for a few years now. I have worked with four financial advisers over the last 45 or so years but Alex is by a long way the most competent and professional of the four that I have worked with. He has strong knowledge and experience in the financial markets, which I think is rare, and I like that he keeps me informed about ‘need to know’ things that might affect our investments. Alex has also provided invaluable input to legacy planning. I have recently had some serious health issues which required me and my wife to review our financial plan. Alex has been very responsive and helpful at short notice, which we appreciate. In summary, Alex is a good person with a relaxed, professional style but most importantly Alex and his team are good at their job, so I am happy to recommend him and his firm Old Bray Financial to those considering financial advice.
We have been working with Alex for several years now, and have always been extremely impressed by him and his team. He is clearly very experienced, highly qualified, and that strong knowledge base gives great confidence that our financial future is in safe hands. He has always been exceptionally patient and diligent in his work, concisely giving us all the facts so that we can make the right financial decision. Not only that, but he’s a great guy and very easy to get along with, and so would not hesitate to recommend him!
Alex’s approach to financial security is tackled by safeguarding wealth through income protection and life cover, to giving advice on investments and savings. This has helped me plan for my family in a more structured way by prioritising financial decisions. I thus far have successfully navigated a mortgage, wills and income protection with his orgnaisation. My next stop is life insurance and then perhaps a deeper look at investments. I feel I have an ally in the financial world now, that I call upon to discuss a broad range of financial matters and know I will speak to someone with experience across a large portfolio, who has delivered time and time again.”
I started working with Alex a number of years ago as I needed advice on the new pension rules that were brought in by the Government that year. After an initial phone conversation, we arranged a meeting at my home. Alex listened to what I wanted for myself and my future and then took time to explain, in plain English, the ins and outs of the new pension rules. He explained the risks, tax liabilities and so on. He made a couple of interesting points that I would never have thought of. He was never in a hurry and I felt he was looking after my interest first and foremost. Alex is very knowledgeable and his expertise was plain to see. I never felt under any pressure to make any quick decisions or rash choices and this was all for free with no pressure to commit one way or the other. His attitude to risk was very helpful. Alex always answered my call and emails promptly. He kept me updated on the whole process and chased up pension companies when they were unnecessarily dragging their heels. Alex Cheema is now my financial adviser and I would highly recommended Alex Cheema and Old Bray Financial to anyone looking for any form of financial advice.
Alex was brilliant from start to finish, he kept us updated with where we were in the process and was always accessible. We would certainly recommend his services.
Paula, Iver Heath
I have been fortunate enough to have come across a local financial adviser namely Alex Cheema. I find him a very knowledgeable, sincere and efficient person. Always ready to help and will usually find a solution to whatever your financial question may be. He has assisted me to find competitive mortgages, personal estate planning including wills, help with creating trusts and insurance needs. Very reasonable fee structure. I would recommend him to anyone, anytime
As our Financial Adviser, we found Alex to be very efficient, incredibly knowledgeable and totally trustworthy. Diligent and tenacious, he guided us through our daunting finances with ease. I would recommend Alex to anyone looking for clarity among the complex. He is a pleasure to work with!
Alex is a very solid advisor to me. Detailed and thorough support and I would recommend his services.
Alex has been a great advisor to me in setting up my personal pension and investments after becoming self-employed, and in offering advice on wills and trusts. These things are a minefield to those of us who aren’t experts, but I’m very happy with the investments I’ve made. The communication frequency and the interpersonal style of Alex is reassuring when dealing with big decisions about the future.
We have had the pleasure of working with Alex for several years now, and we can honestly say it’s been the best financial decision we’ve ever made. What has impressed us from the start is his enthusiasm in finding the right solution for us, tailored to our individual requirements and circumstance. His extensive knowledge of financial matters and his ability to look at the bigger picture has helped us to provide exactly the right amount of cover we need, combined with setting up a very efficient and effective means of saving for our future. But more than that, he’s just a thoroughly likeable, decent (and not to mention patient!) person who is very easy to get along with. It is extremely reassuring to know that our finances are in such safe hands!