Ray Adams FPFS Certs CII (MP & ER)


Ray is the Founder of Niche, a Chartered Financial Planner and a Fellow of the Personal Finance Society.

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 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.

Ray endeavours to improve the financial services profession through training the next generation of financial advisers and is a key figure within the 'fintech' industry. He is known for establishing and developing the UK's leading cashflow planning software provider, CashCalc.

Ray is married to Kim, has two children - Ross and Kelly - and is the proud grandfather to Ruby, Grace, Evelyn and George. Away from the office, he 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 


Professional Adviser Personality of the Year 2019

VouchedFor Top Rated Financial Adviser 2016

Chartered Financial Planners
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