I started out in life training to be an Architect before spending 7 years working in architecture and as a Technical Co-ordinator for two major UK house builders – Taylor Wimpey and Lovells.
More recently, I’ve spent more than 8 years as a call centre entrepreneur for various ventures that include the sales & marketing of international property in the USA and South America, to the raising of environmental finance through projects in Africa for companies such as Co2balance.
During the last three years I have worked at developing the RMT brand. This includes:
RMT Direct Leads, which is ranked #1 on Google UK for all the major financial services lead terms
IFA Direct Home – a consumer brand that connects people to regulated financial advice
RMT Recruitment that specialises in overseas IT & financial services recruitment
Our aim at RMT Group is to become the largest provider of financial services leads in the UK through the brands IFA Direct Home and RMT Direct Leads. To date we have generated more than £60 million in pension reviews through over 2,400 appointments made for over 30 IFA firms in the UK. We have just moved into the home finance sector in the UK with a new mortgage appointment product that is open to both IFAs and Restricted Advisors.
I’m a passionate believer in entrepreneurship and creating an environment where people want to work. It’s all I have ever wanted to do and from my experience it can take a number of attempts to find something that works.
It also takes time to develop the right solutions that will ultimately transform your business into a successful business.
Ryan Mellor, Co-founder & Sales Director at RMT Group
It might be Friday, but we are still working hard in the office on your behalf at the RMT Group. Introducing Steven Garbett who is our top telephone co-ordinator for making appointments to help people reduce their pension charges through IFA Direct Home.
The RMT Recruitment brand is part of the RMT Group helping source clients searching for a new career in the UK and overseas in the financial sector. Introducing Co-founder Jeff Bertrand at RMT Recruitment office who extends and assists the recruiting arm adding a competitive advantage by sourcing, recruiting and hiring top level talent for it’s clients.
We know who is BOSS at the RMT Group in the office… spot the coffee mug.
Ryan Mellor Co-founder of the RMT Group has been busy this week connecting with IFA’s across the UK to join us in business to business.
At IFA Direct Home we help to arrange appointments for our clients to meet with a registered financial adviser about pensions, mortgages and any other personal finance queries they may have.
Ryan Mellor, Co-founder at IFA Direct Home
If you are a financial advisor and you would like to work with us, please visit RMT Direct Leads.
London (PR FIRE UK) 25 August 2015 – RMT Direct Leads, the leading financial services appointment making firm, today announced the launch of a new call centre product – IFA Direct® Mortgage Appointments. Ryan Mellor, Co-founder at RMT Direct Leads stated that the demand for its products remained very strong from the 20,000 IFAs that work in the UK offering financial advice.
The appointment making firm has been providing pension appointments for almost 3 years now with great success. RMT Direct Leads has grown with over 30+ IFA firms using its services. Current conversion rates hover around 70-80% for IFA Direct ® Pension Appointments.
IFA Direct® Mortgage Appointments targets existing mortgage holders and the appointments are generated as a by-product of the main pension campaign. Although the conversion rates are expected to be lower than pension appointments at only 30% – the price is also set much lower at only £125+ VAT per appointment.
Ryan Mellor Sales Director and Co-founder at RMT Group said “Now would be a perfect time before interest rates start to move up to sit down with an IFA to review your mortgage, particularly if you have a variable rate as there are some great fixed rate deals out there ”
A professional telemarketer calls from IFA Direct using an initial call to explain the benefits of a mortgage review. Clients are then referred to its financial advisor members.
Book Now. Pay Later.™ payment scheme will also be available for Mortgage Appointments. The scheme reduces delivery risk and increases cash flow for the IFA by only charging when the appointment is takes place.
About RMT Direct Leads
RMT Direct Leads is a leading financial services appointment making firm based in London. Since its inception in 2012 RMT Direct Leads has been helping customers benefit from its call centre technology by providing cost-effective quality appointments and online services. The online services include generating IFA and Pension Leads at a local level.
Ryan Mellor, Co-founder at IFA Direct Home
If you are a financial advisor and you would like to work with us, please visit RMT Direct Leads.
London (PRWEB UK) 9 July 2015 – RMT Direct Leads the UK’s leading financial services appointment making firm, today announced that they have booked in excess of 2,300 pension review appointments totaling £60 million worth of potential pension transfers for appointments that took place.
This achievement underscores RMT Direct Leads key role in becoming the UK’s number one supplier. “Reaching £60 million is a great milestone. We are very pleased that our customers have recognised the value of our service and it is the results of our commitment to customer service that has enabled us to reach this milestone,” stated Ryan E Mellor, Co-founder at RMT Direct Leads .
RMT Direct Leads has been involved in generating pension review appointment setting since the start of 2013 and has grown to some 30+ IFA firms. The average pension pot size is £41,619 over this period and IFAs report a 70-80% conversion rate for the pension review appointments.
RMT Direct Leads is in a great position to expand further and has recently launched IFA Direct ® Business Appointments. “So long as we can continue to deliver a good service, we are definitely on our way to achieving 200 appointments per month,” added Ryan E Mellor, Co-founder at RMT Direct Leads.
The pension review appointments target individuals aged 35-55 with data sourced from major comparison websites. RMT Direct Leads uses an initial call to explain the benefits of a pension review to generate interest through reducing annual management charges or transferring into a flexible pension scheme that allows full access to the pension from the age of 55. In a second call, clients that request a review of an existing pension are confirmed and then referred to its financial advisor members.
Feedback from the IFAs who use RMT Direct Leads service conducted in February of 2014 found that 88% of its IFAs were satisfied with the service offered by RMT Direct Leads.
In addition, recent feedback from the end users conducted immediately after their first appointment with the IFA, stated that 94% of its pension review appointment clients were satisfied with their appointment.
IFAs interested in learning more about pension review appointments can visit http://www.rmtdirect.com or should contact Ryan Mellor at 0203 468 4215 for more information.
About RMT Direct Leads
RMT Direct is a leading financial services appointment making firm based in London. Since its inception in 2012 RMT Direct Leads has been helping customers benefit from its call centre technology by providing cost-effective quality appointments and online services. The online services include generating IFA and pension leads at a local level.
Submitted to PR Web
Ryan Mellor, Co-founder at IFA Direct Home
If you are a financial advisor and you would like to work with us, please visit RMT Direct Leads.
Social Media can be a minefield to many, but has always been of keen interest to our dynamic Social Media Manager Donna Phillips who has been working with different companies throughout the UK for several years now.
Donna developed many specialised skills in all types of industries during the past five years in business. Through hard work and determination she has built up a vast network of contacts, which she utilises through her unique and varied social networking skills to share on platforms including Facebook, Twitter, LinkedIn, Instagram and many more.
Donna has always been lucky enough to work with a diverse number of genres and talented individuals within the film, arts, music, investment, property and recently financial sectors. Since joining RMT Direct Leads in September 2014, listening carefully and working alongside the IFA Direct Home Telemarketing Team, Donna has learnt more about the financial industry and has discovered just how much it affects so many people across the UK.
As the newly appointed Social Media Manager, Donna Phillips is raising the company profile and creating awareness of how an IFA can help save individuals and businesses across the UK save money.
The solution is to contact Donna via our Facebook, Twitter and LinkedIn company platforms with any queries or contact our friendly, professional staff today on 020 3468 4215.
We can help arrange an appointment with a professional IFA in your area, you have absolutely nothing to lose and everything to gain.
About IFA Direct Home
IFA Direct Home is part of the RMT Group and is a collective of FCA regulated advisors who specialise in helping people who need regulated Financial Advice. IFA Direct Home is now established as one of the largest suppliers of high quality appointments to Independent financial advisors, generating appointments and leads for around 50 IFA firms across the UK.
Ryan Mellor Co-Founder at IFA Direct Home answers your most frequently answered questions.
Pension Holder: Why have you contacted me?
Ryan Mellor: Our call is in connection with the investigation carried out by the former Office Of Fair Trading and the current Financial Conduct Authority, into wide scaleovercharging by the UK’s pensions industry. The purpose of the call is to arrange an appointment with an IFA or restricted advisor.
Pension Holder: What happens at the appointment?
Ryan Mellor: What will happen at the appointment is that the IFA will complete a fact find before writing to your pension firm to get all the facts and figures from which he will prepare a report. From this he will make a recommendation – but only if he/she can better what you currently have. The review will have the intention of checking what your existing pension charges are.
Pension Holder: What’s in it for IFA Direct Home?
Ryan Mellor: IFA Direct Home offers marketing services for a fixed fee on behalf of companies within the financial services industry. See http://www.rmtdirect.com
Pension Holder: Whats in it for them (Financial Services Firm)
Ryan Mellor : Since the Retail Distribution Review (RDR), traditional commissions have been abolished. IFA Firms can only transfer pensions if they can save you money over and above what their fees are. The initial meeting is offered at no obligation, to see if this is possible.
Pension Holder: Who is IFA Direct Home?
Ryan Mellor: IFA Direct is a registered marketing brand within the financial services industry.
Pension Holder: What’s in it for me?
Ryan Mellor: The potential to save money and to improve the performance of your pension. There is no initial charge and no obligation and the professional independent advice is in plain English. You will receive a detailed report which includes a list of all charges coming out of your funds each year.
Pension Holder: What can you do better than my current pension provider?
Ryan Mellor: Before reviewing how your pensions have performed it would not be right for me to guess, as your pension might be performing well. After the review the financial adviser will fully explain your pensions past performance and only if it would benefit you, he/she will be able to give you the options available for the future.
Pension Holder: What are you selling?
Ryan Mellor: We are not selling anything. We are offering independent pension reviews without charge or obligation.
Pension Holder: I cannot take my pension until I am 55. Is there anything I can do?
Ryan Mellor: That’s a great question but I am the wrong person. By having the review these are exactly the type of questions that will be answered for you. But the short answer is no.
Pension Holder: Where did you get my number from?
Ryan Mellor: We purchase data from companies using only data that has been opted in. ie. The user has given permission from a website giving their consent for third parties to make contact.
We can upon your request provide a date and time stamp together with an IP address from where you opted in.
Pension Holder: Where are you guys based?
Ryan Mellor: IFA-Direct.com is a registered trading mark of RMT Group (UK) Ltd, which is a UK registered company. We operate a call centre based in Mijas Costa, Spain.
Pension Holder: Who is IFA Direct Home?
Ryan Mellor: IFA Direct Home is a brand owned by RMT Group (UK) Ltd. RMT Group (UK) Ltd is a specialist marketing company that specialises in leads generated for the UK’s Financial Services Industry. IFA Direct Homeconnects people like yourself with good quality local regulated financial advice.
Pension Holder: Are you regulated?
Ryan Mellor: No, we are not giving financial advice. We are an appointment setting or marketing company working on behalf of both regulated Independent Financial Advisors offering whole of the market and restricted financial advice who are all regulated.
Pension Holder: Do you vet the company itself?
Ryan Mellor: No, but we check to ensure that they are regulated by the Financial Conduct Authority (FCA). This regulation in itself is really the vetting process, which protects you in the fact that the right advice has to be given to you. You are also protected by the Financial Services Commission Compensation Scheme.
Under FCA ruling if they cannot better your present situation, then the IFA or advisor is obliged to leave your pension / investment where it is. So it really is a WIN WIN situation. You have nothing to lose but your time.
Pension Holder: How much will this appointment cost me?
Ryan Mellor: It varies, but the IFA will:
1. Sit down with you and complete a questionnaire or fact find which will determine your attitude to risk.
2. Contact your pensions company on your behalf
3. Write a report on his findings.
4. If he can save you money which is OVER and ABOVE his fee then his recommendation to transfer will be made.
5. If you want to go ahead he will then transfer the pension and his fee will be deducted from the principle.
6. He will only do this if it satisfies compliance and you are happy.
So if the annual savings are £800 and his fees are £800 and you had 12 years to go till retirement – then it may well worth be doing.
Pension Holder: Will it ever cost me money?
Ryan Mellor: No, the net result will only ever save or make you money. Under FCA guidelines the advisor can only give you advice if he can improve your current situation.
Say for example, you have a pension worth £100,000 and the charges are 1.5%. This means that £1,500 is being lost each year in fees. Modern pension can purchased for less than 0.5% annual charge, so here a £1,000 could be saved each year alone from taking a pension with lower annual management charges.
Pension Holder: How comes the pension companies over charge?
Ryan Mellor: At the start of 2013, the Retail Distribution Review (RDR) ended commission based selling for financial advisors. (except insurance) This the biggest shake up in financial services since Big Bang in 1986 . Prior to 2013, the IFA could have been motivated by placing your money in a scheme that paid him the highest commission. Now, the IFA under RDR has to charge for his or her advice in an upfront fee. His motivation now is to give you the best advice and locate pensions with low Annual Management Fees in order to satisfy compliance set by the FCA.
This is similar to using the services of an account or solicitor. However, the fee can be deducted from the principle, so you don’t have to pay for his services today.
With old fashioned pensions, (especially pensions from a decade or moreo ago) the chances are that your pension provider will skim up to a third of your investment returns from your pot through higher charges unless you do something about it.
This is because of the high back end charges that were applied to recover the commissions paid to the IFA upfront as it was effectively loaned to the IFA. Now this is either taken upfront or from the principle.
Only 45% of the UK population regularly review their pension. This is why the pension companies can get away with the high Annual Management Charges! Insurance is reviewed annually by around 80-90% of the population each year. Car insurance remains very competitive.
In the pensions industry the insurance companies know this and this is why they get away with the overcharges which can be very complicated to understand.
Pension Holder: Why is £12,500 the minimum?
Ryan Mellor: £12,500 is often the minimum as below this the benefits of the savings compared to the costs diminish rapidly. As a result many transfer requests are rejected by compliance which is there to protect the investor.
Pension Holder: Will my funds transfer being protected by the Financial Services Compensation Scheme?
Ryan Mellor: Yes.
Pension Holder: In summary what are the benefits?
Ryan Mellor: Top 10 Key Benefits are:
• Increase your final pension
• Check existing charges
• Reduce your charges
• Final pension projection
• Increase your tax-free cash
• Consolidate your existing pensions
• Up to date information
• Give yourself peace of mind
• Ensure your loved-ones receive the proceeds of your pension free of tax
This is updated weekly giving their responses to whether the meeting worked. You can also check us out on Twitter – which also includes client reviews. http://www.twitter.com/ifadirecthome
Ryan Mellor, Co-founder at IFA Direct Home
If you are a financial advisor and you would like to work with us, please visit RMT Direct Leads.
