Ray holds a Masters of Science in Financial Planning and Business Management, is a Fellow of the PFS (The Personal Finance Society) and Managing Director of a successful Independent Financial Advice practice and the innovative financial comparison and guidance website www.money-minder.com, highly acclaimed and recommended by websites such as www.moneysavingexpert.com, www.moneymagpie.com and www.thisismoney.co.uk.
Ray began his financial services career in 1992 with Prudential and after seven successful years he left to start Money Minder with his wife Karron in 1999 and now employs a highly skilled team and support staff serving clients nationwide. Together they provide a first class service to their clients providing investment and pensions advice on growing millions of pounds worth of clients life savings that continue to be entrusted to Money Minders care and guidance.
Money Minder also provides proactive investment advice for a number of large regional charity and local authority organisations. The trustees and directors of those organisations have publicly acknowledged Ray's valuable input in helping them to achieve their investment objectives. They entrust millions of pounds to Money Minders experienced and caring investment team.
Ray has become a frequent commentator on all aspects of financial planning appearing in local and national newspapers and personal finance websites, as well as on radio.
Ray enjoys writing articles for both local and national newspapers and can be heard quite regularly on BBC Radio Lincolnshire being interviewed about money matters as their 'Money Expert' answering questions on a range of different finance subjects.
Ray has been quoted and commended by national newspapers - The Financial Times, The Independent, The Guardian, The Times, Sunday Express, The Sun, The Daily Mail, Eastern Daily Press and Money Wise.
Since 2004, Money Minder has been the provider of Retirement Planning Workshops for the NHS. Ray has been the main speaker for the workshops. They have been provided for employees of the United Lincolnshire Hospitals Trust, The Lincolnshire Partnership NHS Trust and the former Foundation Trust and Primary Care Trust.