Ray has never let me down. From my undergraduate days when he arranged the finance for my very first car through to helping me prepare my business plan and cashflow forecasts for my practice in Oxford, Ray has been reliably and consistently on hand. In addition to his knowledge of the financial markets (he constantly reviews the options), he has an invaluable network of contacts. And because he knows so well how dentistry 'works', he will always respond rapidly. His assistance in helping me invest and upgrade equipment post Covid was a case in point.