Ray works on the risks that sit around a property investment, and on making sure a problem that threatens its viability gets dealt with rather than left to grow.

Most of what he looks at is what happens when something goes wrong. Illness, injury, a tenancy that stops paying, or a cost nobody planned for. These are the events that put a property under real pressure, and they are far easier to handle when they have been thought about in advance rather than in the middle of them.

Ray's approach is to work through those risks one at a time, in plain language, and make sure what a client has in place matches the position they are actually in. It is not the most interesting part of owning property, but it is the part that keeps everything else standing when circumstances change.