Nick and Ryan

Ryan
Hi, my name’s Ryan, and this is my dad, Nick. I’ve been a client personally with Murray Paterson for about five years, and Craig looks after us.

Nick
Initially, I wanted help with restructuring my pensions. I had a legacy pension and a SIPP pension, and I wanted advice on how to possibly bring both of them together. Also, annually, we had some dividend distribution that I wanted invested in the pensions, and Craig was able to offer advice on both of those aspects.

Ryan
I basically became a business partner with my dad, and my dad already used Murray Paterson and had good things to say about them, so I joined myself. Craig was in to get me started with a SIPP pension and helped with that to begin with. That’s how we got things going.

Since meeting Craig, we’ve got on well. He always gets back to me straight away, and being a similar age and in a similar stage of life, he’s been able to offer really great advice and understands my needs financially, so he’s been a very good help.

Nick
Business-wise, specifically, we’ve had advice with VCTs (venture capital trusts), which has given us an avenue to invest and be as tax-efficient as possible. So that’s been a big benefit for our business.

Ryan
Since working with Craig, he’s helped me with a number of things, such as setting up my SIPP pension, he’s helped us set up some VCTs to withdraw some money from the business, he’s helped me with getting my mortgage last year, which was a really difficult process to go through as a business owner, but he made the whole process really easy and I don’t think I’d have got the house that I wanted without him. He’s also helped get us set up with private medical insurance. I’ve referred Craig to some friends and family for some other issues.

Working with Craig and Murray Paterson has definitely helped with the way we take money out of the business. What I’ve found really helpful is that he’s more than willing to speak to our accountants and liaise with them to come up with a plan, putting their two heads together. So, it’s been a good help.

Nick
I’ve been working with Craig for about nine years now, and the best piece of advice that he regularly gives is “don’t panic” whether the markets are going up or going down, his sage advice is that you’re in it for the long term, and to stick with that.

Knowing that I’ve got a retirement plan in place and future income provided within that gives me great comfort, and it lets me know that for the next 5, 10, 15, or 20 years I’ll have security and peace of mind.

Ryan
Craig has laid out my financial future for me, which has given me peace of mind. He brings all aspects of my finances into one place, which lets me see all at once, and it makes it a lot clearer for me.

Nick
It’s been so advantageous having somebody who’s based locally who we can drop in and visit or pick up the phone to and get excellent financial advice on hand.

I would strongly recommend Craig at Murray Paterson, especially if they’re in a similar situation with a small or medium-sized business. His knowledge is second to none.