Ray Adams FPFS, Certs CII (MP & ER)

Chartered Financial Planner | Chairman

Ray is a Director of Niche, 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 advices, 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. Now CashCalc provides over 20 financial planning tools, including a cashflow modeller, to over 5,600 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