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Ray Prince grew up in the North East of England and attended Kings School in Tynemouth, an experience he remembers for the cold weather, all year round! After school he continued his studies, completing a Master’s degree in 1997 at Sheffield Hallam University.

Ray started working as a financial adviser in 1994 with Friends Provident. In 1996 he made the step to become an Independent Financial Adviser, joining medical and dental specialists Baxter Fensham Ltd. It was here that he developed his specialist knowledge, advising doctors and dentists how to get the most from their financial planning. Ray started presenting his ideas in seminars and workshops and has since spoken in front of hundreds of doctors and dentists throughout the UK. In 2000, he left Baxter Fensham to team up with Richard Lishman and Thomas Dickson and together they founded Dickson Lishman Prince, which is also known as money4dentists.

Ray has presented financial planning seminars to groups within dentistry, including Women in Dentistry, dental health education council, the BDA and both undergraduate & postgraduate schools.

In 2004, Ray relocated from the Midlands back to the North East and has since teamed up with Rutherford Wilkinson plc to deal specifically with members of the medical and dental professions.

Ray has continued to pass various financial papers and is a firm believer in learning and education. His passion is working with and helping clients who want an unbiased view as to how they can achieve their lifestyle and financial goals and objectives. He likes to help others less fortunate than himself and has volunteered for Crisis, the charity for the homeless, and did a sky-dive in 2003 for Dentaid, raising funds for under-resourced dentists in the Third World.


Graeme Urwin also grew up in the North East, in Chester-le-Street. He remembers very clearly helping out in his father’s newsagents nearby, delivering round upon round of newspapers far too early in the morning!

After working for the Mars group for several years, he joined the Medical Sickness Society in his mid twenties. It was here that he developed a passion for helping medics and dentists with their finances, and became very used to the ins and outs of the NHS Pension scheme. It was this same passion that made him move on after 16 years to become an Independent Financial Planner, as he wanted to offer his clients a broader range of services and a totally impartial advisory service.

After working in London and Kent for many years, he returned to the North East in 2000 with his family. They are now settled in Rothbury, Northumberland, and have invested in thick fleeces and walking boots!

When not working, Graeme spends a lot of time with his family, and is very aware of the saying “tempus fugit” when his daughter increasingly shows him up with her improving skills and fitness.

His other personal interests are local history, genealogy, archaeology and cartography. He also loves walking and playing racquet sports, and regularly plays squash. He also completed the Great North Run in 2005, raising money for children with cancer.
 

                             
Rutherford Wilkinson plc is a leading firm of Independent Financial Advisers and was formed in 2002 from the merger of Wilkinson Hatton and Rutherford Financial Management (formerly Peter Rutherford & Co).

These two firms were a natural match, combining substantial strengths and resources. Rutherford Financial Management was an investment specialist formed in 1992, and Wilkinson Hatton, established in 1986, had dealt mainly with corporate clients on a fee-charging basis. Both firms placed a strong emphasis on providing quality advice from professionally qualified advisers, matched with outstanding customer care.

The merger has created a full service financial services organisation that can meet the needs of all types of client, whether business or personal.

A specialist division was created in 2005 when Ray Prince and Graeme Urwin joined the company. This division deals exclusively with the financial planning needs of UK resident doctors and dentists.

As well as holistic fee based financial planning, Rutherford Wilkinson offers a wide range of financial services:

Comprehensive Mortgage Service, residential and buy to let - the FSA does not regulate buy to let mortgages - (sourcing the right deal for you and handling many aspects of the administration)

Practice Acquisition Advice, including practice finance

Estate Planning / inheritance tax mitigation / wills

Retirement Strategy, to help you manage your affairs when you decide to give up work

Long Term Care, planning for when you can’t look after yourself or a family member

Family Protection, to make sure your family have financial security if you die prematurely or suffer a critical illness

Income Protection, ensuring you have enough income if you can’t work due to illness, injury or accident

Debt Management, understanding how to make debt work for you

Foundation Planning including product selection (suitable for younger clients)

Portfolio Evaluation, so you can align your investment strategy with your attitude to risk

Individual Product Research, to help you buy the right financial policies