Tell me your goals

Mike Rafter

Dip PFS CeMAP

Financial Adviser with True Potential

Arrochar, Argyll and Bute
Headshot of Mike Rafter

With over 37 years of experience and a comprehensive suite of qualifications, including Dip PFS CII (Pensions & Investments) and CeMAP, I specialize in helping small businesses, individuals, and families achieve their financial goals. My extensive experience allows me to offer a wealth of knowledge across tax, pension, and investment planning.

I collaborate closely with 11 accountancy firms and 2 law firms, providing expert financial advice to their clients. Recognising that each client’s situation is unique, I take the time to understand what’s most important to you, ensuring a tailored approach to your financial planning...

Leveraging award-winning technology, I deliver straightforward, transparent advice in a simple and accessible manner, empowering you to make informed decisions with confidence. With my commitment to no-compromise service, you will be well-positioned to achieve your financial objectives.

Qualifications
  • Dip PFS CII CeMAP - CII - 01/01/2012

My Services

Investment & Savings

Investment & Savings

I can review your investment and savings accounts, and create a bespoke financial plan that you’ll be able to track 24/7
with award-winning technology.

Retirement & Pensions

Retirement & Pensions

Whether you need to set up a retirement plan or review your existing strategy, I can offer no-fee tax wrappers and can ensure that you are taking full advantage of new pension freedoms.

Inheritance, Estates & Tax

Inheritance, Estates & Tax

I can review all your accounts and create a bespoke plan that makes the most of your tax allowances and maximises the amount your beneficiaries can inherit.

Mortgages & Borrowing

Mortgages & Borrowing

Whether you are a first-time buyer or have a property portfolio, with the vast array of products and lenders, I can provide the specialist advice you need.

Protection

Protection

I can provide protection cover in the various forms of life, critical illness, and disability solutions as well as guidance on Inheritance Tax.

Why True Potential?

We are award winning

Our aim is to revolutionise the way wealth management is delivered. We believe that by using award winning technology to deliver financial services, we empower financial advisers and their clients to take control of their futures.

We are award winning

19 awards
19 industry awards won in 2024

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We provide innovative investments

Whether you’re aiming to pay off your mortgage, cover university fees or just grow your money our Portfolios use a pioneering approach known as Advanced Diversifications to find opportunities for growth that others can’t replicate.

We provide innovative investments

£33 billion
Invested with over 550,000 clients

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We build revolutionary technology

Our clients can check their investments 24/7 and top up anytime with impulseSave. They also get access to exclusive features like True Potential Rewards, which enables them to earn cashback from over 4,000 retailers.

We build revolutionary technology

8 million
Over 8 million logins in 2024

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Get Started

Tell me your goals

Reach your True Potential.

We all have goals in life that we would like to achieve, these can range from long term retirement plans, being able to grow your finances, or to give something to the next generation. However, the longer you wait to act, the more difficult if could be to achieve these goals.

Please get in touch and I can help put together a plan to set you on the right path to achieving your financial goals.

Call me on 07768948490

How can I help you?

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Client testimonials

Malcolm

"Mike Rafter has been advising my wife and I during our working lives and now in retirement for approximately 25 years from his early days as a representative with CML until now with True Potential...

During this time he has consistently given good advice with respect to retirement planning with FSAVCs, ISAs, OEICS, annuities, etc. He has always given freely of his time, frequently travelling long distances to give us advice which has invariably been excellent. In short, Mike is a very good Financial Adviser Malcolm McNeil (Teacher)"

Malcolm M, Stranraer

John

My clients say...

"Both my wife and I have been clients of Mikes for close to 30yrs now and I can state with absolute confidence and honesty that Mike has been an infinite source of guidance and support to us both during this prolonged period...

His polite, professional and approachable manner coupled with his unparalleled knowledge has been invaluable. We both hope that this professional relationship has a few more years to run. John Thompson"

John T, Glasgow

Brian

My clients say...

""Mike's knowledge of the investment and pensions marketplace makes him stand head & shoulders above other financial advisers I have dealt with. I would highly recommend Mike & it's good to know that I'm in safe hands...

" "

Brian T, Cumbernauld