Ray is a Chairman of Niche IFA, a Chartered Financial Planner and a Fellow of the Personal Finance Society. This means Ray is operating at the pinnacle of achievement within the financial services industry and is one of only a select few to achieve both statuses.
Ray's financial career began in 1996 after an initial career as a police officer. He founded Niche in 2005 and has since honed his skill set to become one of the most qualified professionals with the best financial experience.
In 2010 Ray was awarded Chartered status, meaning the advice he now provides is the gold standard within the industry (click here to learn more). A self confessed ‘pensions geek’ Ray specialises in all types of pension rules and even provides advice to other financial advisers, including expert witness services.
Over the last few years Ray has endeavoured to improve the financial services industry through training the next generation of financial advisers and developing helpful online financial planning tools – known as CashCalc.
CashCalc was initially developed in 2014 by Ray and his fellow financial advisers as an exclusive in-house tool. However, after revolutionising our own advisory process, the decision was made to make it available to all. CashCalc now provides over 20 financial planning tools, including a cashflow modeller, to over 10,000 financial advisers around the UK.
Ray is married to Kim and has 2 children. Away from the office, Ray is a fanatical skier and lover of Welsh rugby.
Fellow of The Personal Finance Society
Chartered Financial Planner
Advanced Diploma in Financial Planning
AF3 - Pension Planning
AF5 - Financial Planning Process
G60 - Pensions
G10 - Taxation & Trusts
H15 - Supervision and Sales Management
J04 - Pension Funding Options
J05 - Pension Income Options
MAQ - Mortgage Advice Qualification
CF2 - Investment and Risk
CF8 - Long Term Care Insurance
ER1 - Equity Release
FA1 - Life Office Administration
FA2 - Pensions Administration
FP1 - Financial Planning Certificate 1
FP2 - Financial Planning Certificate 2
FP3 - Financial Planning Certificate 3
GR1 - Group Risk