Anne Ratnam

Chartered Financial Planner*

What Clients have to say..

“We always seek advice from Anne regarding complex personal financial arrangements. Whilst pension options are very flexible these days, the regulations and tax regime are certainly not straightforward.  Anne took time to ensure she had a full record of all our assets, liabilities, income and expenditure.  Equally importantly she established our plans and aspirations and constructively challenged our ideas to make sure we look at them from all angles.  Finally she used the firms sophisticated financial planning tools to quantify our financial future under a number of scenarios.  We think Anne’s advice provides excellent value for money”.
Mr & Mrs P

“A successful relationship with a financial adviser is one founded on trust. Having worked with Anne for several years now, I know I can trust her to provide sound advice and to recommend appropriate products that she would (and does!) use herself."

Mr S, Chief Executive Officer,

"Anne has provided me with clear, timely, independent financial advice across a large range of financial products. She has taken the time to understand my circumstances/future needs and tailored her recommendations accordingly. I feel that my retirement will be more financially secure as a result and am very happy with the service provided."

Mr M, Managing Director


“Anne Ratnam has for over 10 years advised the company and directors on the best pension plans for all our employees.  Not only does Anne have a great understanding of the individual needs, she is always approachable and able to explain matters in layman terms to all employees.  I would have no hesitation in recommending Anne and Hannay Investments  to any company looking at setting up or changing their financial advisor. Anne has also looked after pensions and personal portfolios for both my wife and myself for several years and continues to provide us with invaluable recommendations. Anne has a great understanding of the individual's taste for risk and has in our case been able to put together a portfolio that has delivered on the targeted return.  Anne is at all times professional but does it all in a friendly relaxed manner and nothing seems to be too much trouble. I would have no hesitation in recommending Anne and Hannay who are an established company but small enough to still know all their clients personally.

Mr H, Joint Managing Director,


“Anne has been my financial advisor for over 10 years. I have been more than satisfied with her management of my financial affairs and had no hesitation in continuing with her when she joined Hannay Investments. She offers a personal and friendly service.”

Mrs H


"I moved to Hannay Investments to deal with Anne Ratnam because I was confident that I would continue to receive good advice and service. I have not been disappointed.

Mrs D


"I have known Anne Ratnam of Hannay Investments for many years, initially in my role as Managing Director for a City based Insurance brokerage where she arranged and managed all of our pension and employee benefit packages and then subsequently following my retirement as a private client. In my experience Anne has provided sound, independent financial advice enabling my portfolio to perform well in a difficult global marketplace and I would have no hesitation in recommending her and Hannay Investments services".

Mr P,

Braintree, Essex

“Hannay Investments are absolutely first class. My contact is Anne Ratnam who has helped me so much and gives super customer service. Anne is professional, personable, attentive, client driven and most of all provides excellent advice on my investments.  I would thoroughly recommend Anne and Hannay Investments.”

Mr R


*The importance of being Chartered

As the premier professional body for the financial services profession, The Chartered Insurance Institute (CII) promotes higher standards of integrity, technical competence and business capability.  

Success in CII qualifications is universally recognised as evidence of knowledge and understanding.  Membership of the CII signals a commitment to develop broad professional capability and subscribe to the standards associated with professional status.