Apr23327 Best Financial Adviser 2023 (North West England): Joanne Ramsden Joanne Ramsden Financial Solutions Ltd is a lifestyle choice for clients looking to streamline their finances. We speak to the woman behind the brand as it celebrates success. Established in 2008, Joanne Ramsden Financial Solutions Ltd (Joanne Ramsden) is a fully packaged mortgage and protection advice offering which advises clients when buying their first home, or their next home. It also arranges mortgages for investment purposes such as buyto-let and holiday homes. As well as this, Joanne Ramsden assists clients and solicitors when working through divorce proceedings when assessing clients mortgage capacity and by helping to keep people in their homes and maintain their lifestyle, with a full review of their protection needs. Finally, the firm also offers support to businesses by ensuring the business remains financially strong through sickness, death and critical illness of directors, employees and shareholder holders. “Our mission is to provide the highest level of customer service to ensure our clients continue to recommend us to their friends and family,” explains Joanne Ramsden, the firm’s Founder, Owner and, of course, it’s namesake. “I am constantly setting new goals and reviewing progress. I keep methods of motivation fresh and changeable to prevent stagnation.” Joanne also ensures that she keeps in regular contact with other people within the industry to exchange ideas and give and receive motivation and direction. By staying up to date with market changes and undertaking a high level of CPD, to ensure the firm’s knowledge of the market is fresh, means that Joanne and her team are more than able to meet all of their client’s needs. When it comes to company values, Joanne believes that acting with honesty and integrity are paramount to the successful running of any business. “I believe that ‘you reap what you sow,’” she elaborates. “That hard work brings the best results. If I am open and honest and work hard for my clients then they will always recommend me to others, my reputation is my key to success.” In order to continually succeed, Joanne remains focused and always ensures that her client’s best interests are at the heart of everything she does. She takes immense pride from the service that she is able to offer and tells us that “overdelivering is second nature. “I put my name to the business to ensure there is no hiding place. My passion to be the best at whatever challenge I face keeps me focused.” This year, Joanne celebrates her 30th year as a mortgage adviser and is delighted to have a loyal raft of clients across England, Scotland, and Wales, who have all come to use her services by referral based on the knowledge, experience and service she and her firm offers. Recently, Joanne has noticed certain trends emerging within the industry, such as changes to people’s desires and their aspirations, which have altered drastically over the 30 years she has been in business. She continues to explains that people are much more lifestyle focused now and, particularly postCovid, she has experienced clients becoming much more aware of protecting their lifestyle and their mortgage payments for all eventualities such as death, sickness, and loss of income. She has also witnessed a quick spike in interest rate panic when they started to increase last year. However, these have somewhat settled now, especially with Joanne being proactive in her approach to this challenge. Joanne also remembers advising on mortgages when the very first buy-to-let mortgages became available in the UK. Today, there are more than 3,000 of these products available on the market. With regards to her team members, Joanne looks for a good work ethic and a genuine interest in the finances of her clients and the financial and property market. “As much as I love to help my clients, I love to help my staff too,” she enthuses. “Every member of staff I have ever employed has come to me with a need of their own. I try to offer personal and professional development. I like people who want to help themselves and others and can see the benefit of being stronger together.” With 30 years of experience and training to offer all members of the team, Joanne is always open and honest about her experiences. She has access to CPD material for all employees along with support from external personal and business development experts, and she regularly takes her staff to industry events where they can meet with lenders and protection providers regularly to keep up to date with market news and developments. It is this passion and integrity, along with the desire to progress the business that has seen Joanne and the company gain recognition in the recent UK Enterprise Awards and achieve the prestigious accolade of Best Financial Adviser 2023 (North West England). Looking to the future, Joanne has big plans for further recruitment in order to extend her team and grow the business. We wish her the best of luck in her endeavours. Contact: Joanne Ramsden Company: Joanne Ramsden Financial Solutions Ltd Web Address: www.joanneramsdenfs.co.uk
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