Category Archives: Pension Appointments

Can you re-schedule my pension appointment as my calendar was already blocked-out?

Dear Financial Advisor,
We have booked in excess of 5,000 pension appointments using the ‘Real Time’ Google Calendar system. This is the first time a financial advisor has claimed an appointment was already blocked-out at the time of booking.
Booking the pension appointment goes through a two stage process – the coordinator chooses an empty slot and then administration checks to see that there is plenty of travel time etc. Admin reported the calendar was completely clear at the time of checking.
We noted that the calendar was updated at your end shortly after the appointment was booked in before you formally notified us an hour later that the appointment clashed with another event. These are the facts.
Your version of events do not stack up. In short, it is impossible for an appointment to get through our administration process when the calendar is blocked-out.
We would of gone out of business a long time ago if  we could not get this basic process right.
As per our agreement we have provided you the full details to reschedule the appointment. The appointment is chargeable.
Best regards,
Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

IFA Direct Home Financial Advisor Appointments – UK Average Fund Size


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IFA Direct Home Financial Advisor Appointments: Below is our average monthly  size pension funds generated over the past 15 months, together with numbers booked and the actual ‘sat’ rate. Our overall average pension pot size is £45,022. (a slight slight drop from £47,001 between 2013 and 2015) We have booked 2007 appointments during this period.  Our overall ‘sat rate’ average is 58% or 6 out of 10 appointments.

In October 2015, we enlarged our call centre operations and the volumes of booked appointments since then have  increased by 47%.

Month Size of Pension Fund No. of Booked Appointments Sat Rate
Aug-15 £51,775 143 52%
Sep-15 £48,034 135 44%
Oct-15 £38,907 126 56%
Nov-15 £45,204 117 59%
Dec-15 £39,321 79 53%
Jan-16 £37,131 167 65%
Feb-16 £41,431 152 61%
Mar-16 £49,368 126 57%
Apr-16 £41,976 135 64%
May-16 £45,906 127 63%
Jun-16 £50,842 144 66%
Jul-16 £56,848 127 65%
Aug-16 £45,962 107 63%
Sep-16 £39,903 179 54%
Oct-16 £42,716 143 55%
Total  £45,022 58%
Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

I want to reject my last IFA appointment for the following reason…


We get our fair share of rejected IFA appointments each month by our IFA clients.  This was not one of our best IFA appointments!

I went to see Mr XXX  at his home at 2:00 today. Mr XXX has 23 cats in his house, 4 turtles, 3 dragon lizards, chinchillas, and many other animals all over his house.  

It was not very pleasant in the slightest.

Mr XXX said he was not sure of what I was coming to discuss with him. (In all fairness, he didn’t really let me get a word in for almost 30 minutes).

He said he has been contacted many times by yourselves to arrange an appointment, and he said that you have booked appointments with other advisory firms in the past and he has received txt messages from another advisor who was meant to come and see him but didn’t.  

It turns out that he has a company pension with Jauguar that is still active. He has a small pension with Equitable Life with £5000 it. He also said he has another pension that he took out through work back in the late 80’s. He said he could not remember how much was in there, who it was with of what he had done with the statement. When I asked him howe much he thought was in there, he said ghe believes around the same amount as his Equitable Life pension (£5000). Based on the state of his house and how he lives, I don’t expect he will find it any time soon.

I told him that I would not be able to help him and that you may be in touch with him again.

When we asked for proof that the pension funds was below £12,500 – we was swiftly told by the IFA that even if he had a statement, it would no doubt be covered in cats urine! – We swiftly rejected the IFA appointment!

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

Meet long term client of RMT Direct Leads – Imran Ashraf Chartered Financial Planner at Aspire Financial Management Ltd


imran ashraf

Meet long term client of RMT Direct Leads – Imran Ashraf,  Chartered Financial Planner at Aspire Financial Management Ltd.

Imran Ashraf joined RMT Direct Leads as a former SJP Partner in August 2013.  In 2015, Imran spent £18,000 on Pension Appointments. These were  sucessfully converted into £70-80,000 worth of fees, giving a ROI of 344%. Todate, Imran has sat 99 appointments and is only one away from his first century with RMT Direct Leads!

Can you tell us a bit about your background?
I have been in the financial advisory industry as an advisor for 10 years. At first honing my advisor skills and technical knowledge at HSBC bank, obtaining the prestigious Chartered Financial Planner status in 2012 and Fellowship status in 2015. In 2013 I decided to setup my own IFA practice and have not looked back since.

What areas do you cover?
I mainly cover the following areas:

How did you hear about RMT Direct Leads?
Through a google search a number of years ago

What do you like about our service?
Low rate of no shows
Majority of appointments are high quality
Pay after successful appointment payment terms
The appointments go direct into my diary and you have live access to my diary. This prevents double bookings and a more streamlined service.

How much revenue on average do you generate per 10 appointments?

What is your conversion rate for pension business?

What is your conversion rate for other business?
25% on the back of these generated appointments

How do we compare to the competition?
I have tried a lot of lead generation companies and have wasted literally thousands of pounds. All of these other lead generation firms have come and gone, but I remain a loyal customer to RMT as they deliver the best and most consistent results.

How can we improve?
Reduce cancellation/re-scheduled appointments
Book more high value clients

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

More questions and less babble at IFA Direct Home call centre!



IFA Direct

Most people do not like the sound of their voice.

…..So we asked some of our IFA Direct Home co-ordinators to listen to one of their recent calls where they attempted to make a pension appointment. The idea being  to be as self critical as possible.

In summary, more questions and less babble is required at the IFA Direct call centre!  (or Geordie babble  for one member of staff)


The main point i noticed is i speak to much, keep saying basically and ok. The call was dragged out to long with someone who isn’t interested. Better questioning at the start would have saved half the call.

The call was sh*t to put it bluntly. I think he threw me with his yes, no answers.No exaggeration of “millions” or “massively”.
Explained charge percentages before gaining amount.
No oomph – no personality. You have permission to slap me the next time I say Sir! I gave up too easily.

Interesting to hear, a lot of skirting around the point (errrm’s) can see where I missed a few opportunities to close, too long and drawn out.


WOW! That was awesome. Do I really sound that young on the phone??

There are several things I noticed:

1. Emphasised key words ‘Massively’ and ‘Regulated Financial Advice’ omitted from Hook

2. Much too much talking by me and not enough ‘open’ questions asked, eg How, Why, When, Where, etc

3. He told me at the beginning of the call that he was still paying into the PPP, but I asked him again towards the end of the call and I expressed great surprise, as if I didn’t know! It sounded insincere and I need to make more notes as I go along!!!

Changes I’ll implement immediately:

1. Emphasise the Keywords in the Hook

2. Much less talking by myself and cut out the ‘waffling’

3. Ask more open questions, to express a genuine interest

4. Hone my listening skills and make more notes as I go along

I feel this has been a great help to me and will ensure I introduce these changes immediately!

Incidentally, this one resulted in an appointment.


I listened and seems ok … he will have a review in new year… as he said too busy now and if I pushed it he would prob not bother at all… I could have sounded more up beat maybe…


This call he had no idea who his pension was with only employer and he has no documents, informed him to through online gov site and trace pension as we cannot help until he know his info. Could have done this much quicker, call was possibly too customer service like.
Said OK far too many times.


I thought I was pretty good. Set up a good callback but he didn’t pick up phone. My fault as I rang at the wrong time. If anything I should have closed him instead of waffling about benefits too much.


Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

TalkTalk data hack reduces the number of pension appointments made by 20%

Pension Appointment
IFA Direct Appointment

The recent TalkTalk data hack and the very negative publicity that has lingered on during the month of October and November has reduced the number of booked pension appointments made during this period  by 20%.

The last month has seen an increase in the ratio of calls to appointments made up from the past years average of 1 in 64  to 1 in 81 (appointment made that meets criteria versus calls made that are not interested).

The same period last year saw a ratio is 1 in 67, making it 20% more difficult.  However, it has been higher than 1 in 81 in the past year. March broke the record at 1 in 95!

Strangely in March it was a record month for IFA Direct where it booked in excess of 200 appointments –  perhaps a strange mixture of the anticipated pension reforms that were due to take place in April and the news that the ICO were to impose huge fines on  firms who flout rules on direct marketing,

The reason it went to 1 in 95 was the action by the UK government to fine cold callers. This news was announced on the 25 February 2015.

You can search on Google for trending words such as nuisance calls or cold call to gauge consumer sentiment . You can see in March and October  that the number of searches for nuisance calls or cold calls spiked in response to the news.

In October the TalkTalk data hack news led to a spike on the 25-31 October 2015  at 100 (100 is the max during that period) for the term nuisance calls. However, a week later 1-7 November 2015 it was down to 55 a huge drop of 45%, looking like the news was already fading and past its peak.

google trend

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

IFA Direct Home Pension Appointment Video


IFA Direct Home have launched a new video on You Tube to explain the process from booking a Pension Appointment to the IFA making a recommendation. We hope you enjoy it!

Ryan Mellor, Co-founder at RMT Direct

If you are a financial advisor and you would like to work with us, please visit RMT Direct.

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

RMT Direct Pension Appointments gets a 4.75 Rating for Speed of Delivery


Pension Appointments

We asked our clients how fast we deliver our pension appointments. 75% of them gave us full marks – 100%, giving an overall rating of 4.75 out of 5 for speed of delivery.

Delivering the appointments fast and efficiently is however, pointless unless an IFA converts his or her pension appointments into actual business. 75% of our clients submitted 6 or pension cases out of 10 cases and a further 1.42 cases per 10 in other areas of financial advice.

Speaking to Imran Ashraff of Aspire Financial Management Ltd an IFA who has been a client with RMT Direct for 2 years,  stated that last year he had spent some £18,000 on pension appointments. This investment generated a return of somewhere between £70-£80,000, a return on investment of 277%!

I asked Graham Thompson of Huntington Ross the same question. This was his response:

Hi Ryan,

Further to our telephone call earlier this week, please find below a quick testimonial of the RMT IFA Appointment service :-

Since I began taking appointments from RMT in 2014, I have had a steady supply of appointments relating mainly to pension reviews. Overall, I have been very happy with the quality of these appointments and they have been invaluable in helping to build up my client bank over the past year. Whilst the size of the pension pots vary considerably, I would say that on average, I generate around £10,000 to £15,000 worth of fees per 10 appointments (Costing around £3,500). With my last 10 appointments, I expect to write business generating something in the region of £13,000 in initial fees and many of these clients will go on to become long term clients, paying on-going advice fees.

I hope that helps and gives a feel for the productivity of your appointments.

Overall RMT received a 4.08 rating out of 5 and 50% of our IFAs gave either a 9 or 10 out of 10 when asked how likely they were to recommend to another IFA.

See the survey for yourself.

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.

IFA Direct Home Pension Appointments – UK Average Pension Size


IFA Direct Pension Appointments

IFA Direct Home Pension Appointments: Below is our average monthly  size pension funds generated for over the past 26 months, together with numbers booked and the actual ‘sat’ rate.  Our overall average pension pot size is £47,001. We have booked 2,378 appointments during this period. Our overall ‘sat rate’ average is 58% or 6 out of 10 appointments.

The high average pension fund obtained in June 2013  attributed to a much lower count. This is when this product was launched.

From October 2015, the newly enlarged call centre will be in operation  and we anticipate volumes of booked appointments to increase by 50% to a monthly average of 200.

Month Size of Pension Fund No. Booked Appointments Sat Rate 
Jun-13 £95,075 8 50%
Jul-13 £31,333 12 60%
Aug-13 £52,738 19 80%
Sep-13 £59,583 30 62%
Oct-13 £35,068 50 58%
Nov-13 £57,176 106 63%
Dec-13 £29,843 40 52%
Jan-14 £46,355 51 64%
Feb-14 £36,655 94 56%
Mar-14 £32,943 61 38%
Apr-14 £47,282 80 53%
May-14 £51,959 82 65%
Jun-14 £55,816 91 70%
Jul-14 £41,147 90 61%
Aug-14 £58,533 78 61%
Sep-14 £45,801 138 59%
Oct-14 £40,541 147 52%
Nov-14 £44,931 151 49%
Dec-14 £42,974 80 65%
Jan-15 £42,634 115 62%
Feb-15 £48,124 139 66%
Mar-15 £45,918 166 57%
Apr-15 £36,364 153 52%
May-15 £49,492 115 53%
Jun-15 £47,661 167 49%
Jul-15 £46,087 115 60%
Average £47,001   58%
Total   2,378

Ryan Mellor, Co-founder at RMT Direct

If you are a financial advisor and you would like to work with us, please visit RMT Direct.

Ryan Mellor is Co-founder of RMT Group, RMT Direct Leads, IFA Direct Home, and Local Professional Direct.