Having operated within financial services as an independent financial adviser for more than 20 years, Ray now focuses on developing technology to help solve pain points within the profession and enhance the financial planning process for both financial advisers and their clients.
In 2014 he founded CashCalc, developing an award-winning suite of online financial planning tools for financial advisers, including Client Onboarding, Integrations, and the UK’s market-leading Cashflow Modeller. Today, following FE fundinfo's acquisition of CashCalc in May 2021, his role as Head of Cashflow Planning and Digital Engagement is to continue to develop the online suite of tools and deliver the company's strategic roadmap.
Ray remains ‘at the coalface’ of financial advice to this day, in his role of Chairman of Niche. This sees him focus on company strategy while also providing independent financial advice to a small number of clients. He is also a Fellow of the Personal Finance Society, and the Director of AdviserBook, an online directory providing definitive and impartial listings to help the public when seeking financial advice.