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ray tammam

Ray Tammam

Banking & Finance

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    Ray Tammam's Overview

    Current
    Past
    Education
    • Birmingham City University
    • Bury Metropolitan College
    • William Hulme Grammar School
    Recommendations

    5 people have recommended Ray

    Connections

    500+
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    Current Role:
    Previously:
    • Independent Financial Adviser at HSBC Financial Adviser at Barclays Financial Planning
    Summary:
    MGM Cinema group "Showman of the Year" for marketing 1995. Seven annual sales and service awards whilst at Barclays 1998-2007 Retirement Elite pension ambassador at Barclays from 2007. Sales/Service award in first full year at HSBC - 2009.
    Specialities:
    Cost, Purchase and Supply Management including finding savings for clients in cost areas such as Cash In Transit/Handling and Merchant Card costs. I also bring in fellow Specialists that cover over 150 other cost areas as relevant via our no-savings : no-fees offering. As an Independent Financial Adviser, I specialise in helping Businesses, Business owners/Directors and other Professionals in all areas of Protection, Pensions, Investments Inheritance Tax, Long Term Care planning and Mortgages.
    Experience:

      Senior Independent Financial Adviser and Whole-of-Market Mortgage Broker

      Moneygate Financial Services Ltd.

      Privately Held; 51-200 employees; Financial Services industry

      2011 – Present (1 year) Manchester, United Kingdom but covering the north of England

      I am a very experienced and highly qualified Independent Financial Adviser and started giving financial advice in 1997.

      I currently advise people on all major areas of personal finance including Mortgages, Life Assurance, Critical Illness Cover, Permanent Health Insurance, Private Medical Insurance, Pensions, Investments, Inheritance Tax Planning and Long Term Care planning as well as helping people who want advice on Equity Release options.

      I also advise Businesses and other Organisations on all major areas of business finance including Commercial Mortgages, Loan Protection, Group Life Assurance, Group Critical Illness Cover, Group Permanent Health Insurance, Group Private Medical Insurance, Group Pensions, Corporate Investments, as well as Key Person Cover, Partnership and Share Protection plans, all types of Pensions and Investments for Directors/Business owners.

      By being completely independent, I am not limited to or tied to a limited number of product providers or companies so I am able to access the whole of the market to find the best solution in all of the areas I help with, and I try to keep discussions jargon-free.

      I am a member of the Personal Finance Society and the Society of Mortage Professionals.

      Associate

      Expense Reduction Analysts (UK and Ireland)

      Privately Held; 501-1000 employees; Management Consulting industry

      2010 – Present (2 years) Manchester, United Kingdom (but covering the whole of the UK)

      I am featured on Will Kintish's "Know, Like and Trust" section of his website - www.kintish.co.uk representing Expense Reduction Analysts (E.R.A.)

      E.R.A. is the UK's leading Cost, Purchase and Supplier Management consultancy that helps medium-sized and larger businesses and other organisations reduce costs where others are unable by getting more value from suppliers. We do this without reducing the quality of products or service provided by suppliers and average savings are 20% per category. Expense Reduction Analysts are not paid if we cannot find extra savings on top of those already achieved by our clients and we advise on and have Specialists in over 170 categories of spend.


      Ray Tammam’s Specialties:

      Cost savings and improved profits for companies and organisations including areas such as Bank Charges, Cash Handling costs, Cash Processing fees, Merchant Card charges, Car Leasing, Insurance, Business Rates, Stationery, I.T. Consumables, Photocopiers, Travel, Print, Factory Consumables, Engineering Consumables, Industrial Supplies, PPE, Chemicals, Gases, Packaging, Communications, Mobile Phones, Electricity, Gas, Water, Postage, Couriers, Domestic and International Freight & Distribution and many more areas.

      Independent Financial Adviser

      HSBC

      Public Company; 10,001+ employees; HBC; Financial Services industry

      July 2008 – March 2010 (1 year 9 months)

      Providing medium and large businesses as well as business owners/directors professional financial advice and advice on cost savings for Protection, Pensions and Investments products and services.

      Financial Adviser

      Barclays Financial Planning

      Public Company; 5001-10,000 employees; BARC; Financial Services industry

      March 1997 – June 2008 (11 years 4 months)

      Advising high net worth individuals and businesses on matters including Protection, Pensions and Investment Planning.

    Ray Tammam's Languages

    • English

      (Native or bilingual proficiency)

    • French

      (Limited working proficiency)

    Ray Tammam's Certifications

    • Financial Planning Certificate

      • Chartered Institute of Insurance (CII)
      • April 1997

    • Certificate in Mortgage Advice and Practice (CEMAP)

      • Chartered Institute of Bankers/Institiute of Financial Services
      • June 1999

    • Advanced Pensions

      • Chartered Institute of Bankers/Institiute of Financial Services
      • May 2000

    • Advanced Personal Investment Planning and Advice

      • Chartered Institute of Bankers/Institiute of Financial Services
      • October 2000

    • Advanced Business Investment Planning and Advice

      • Chartered Institute of Bankers/Institiute of Financial Services
      • October 2001

    • Dip PFS

      • Chartered Institute of Insurance (CII)
      • June 2005

    • Long term care insurance diploma

      • Chartered Institute of Insurance (CII)
      • July 2006

    Ray Tammam's Education

    Birmingham City University

    Business Studies

    1989 – 1992

    Activities and Societies: Mainly sports related.

    Bury Metropolitan College

    BTEC National Diploma in Business and Finance (Merit award)

    1987 – 1989

    William Hulme Grammar School

    1982 – 1987

    Location
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