Ray Adams

After nearly a decade, my journey with CashCalc has come to an end. I'm incredibly proud of what we were able to build and achieve during that time, and I'd like to thank everyone who has played a part in making it happen. Thank you and good luck with business.

Icing on the cake is DVLA sent tax refund and charged 3 months road fund licence for the 37 days of ownership - 10 days of August and 27 days of September - can't fathom why 3rd month was charged. There's no procedure for contesting tax calculation error either 🫠

@MartinSLewis - wonder what thoughts would be on this element of car finance? Incentivised but hidden charges to cancel

Critical of PX condition, photo tiny issues & offer low price, whilst neglecting to show issues with their cars and asking over value on prices (pics) Salesmen disinterested, repeat 'approved' used, point checks, etc. Even when you point out issues, lack of prep, dirt, etc

Huge honour to be able to capture this moment for @JoshBatch41 and @NatashaJade__! Amazing for them to share the occasion with all the fans their to celebrate Josh’s service to the club over the years

@dragonsrugby @davidjusteat Any chance of RT Charity fundraiser tomorrow at Yew Tree Lane, Caerleon. Everyone welcome… Celebrating a great clubman and supporting a great cause… Monies raised going to @Velindre

Rather cool witnessing @FundmentHQ launching a new tool live, I’d say a ground breaking service, where you can create your own custom index fund for 0.10%. I imagine it will cause a little stir… Great afternoon at the @Timeline_Tech #Adviser3point0 conference.

Oh dear @HLInvest you used to have nice polite grads who would pick up the phone within 10 secs and help. Now there’s a robot, a menu, the robot trying to persuade you to go online/ go away, awful hold music…and after 30 minutes I gave up. Service was always your strength? 🥲

Fairstone acquires Essex-based Sacre adding £450m in AUM ow.ly/ey70104Grx6

@northfieldIFA That’s very kind of you to say, thank you! 😊

@RayNiche Fantastic achievement Ray! Our firm and our clients have found Cashcalc an invaluable tool for financial planning. We all hope you have a wonderful retirement.

After nearly a decade, my journey with CashCalc has come to an end. I'm incredibly proud of what we were able to build and achieve during that time, and I'd like to thank everyone who has played a part in making it happen. Thank you and good luck with business.

@AndyBoyt Thank you for your regular feedback over the years, it was invaluable!

@MattWiltshire Now that your two girls have caught the bug for skiing, I think you’ll have no choice in the matter. You will definitely be skiing with us next season! Yes see you over the weekend! Thanks to you too 😊

It has been an honour and a privilege to share the journey with you for the past 9 years. I’ll see you on the slopes! Or probably tomorrow 😉 Congratulations and thankyou 🎉

@thomasdaltonifa Thx Thomas that very kind of you to say 😊

@RobS_Kingmakers Thank you! It’s great to see other IFAs taking on similar challenges in various parts of our profession too 👍 a beer and ski sounds a great idea!

@RayNiche Thank you Ray. A proper contribution. Had a vision, made it happen. See you on the slopes one day boyo ;-)

@lloydsdavies1 Thx 😊

@RayNiche Congratulations on a job well done @RayNiche Enjoy the snow and the sun.

@dantalksmoney Thx Dan 😊 keep up the great work you are doing 👍

@RayNiche Congrats Ray, enjoy. It was great to meet you and I am grateful for the tool you & your team have created. I know my clients are better off for it. 🤜🤛

@david_ferguson Maybe it’s because I watched others doing it so well in other parts of our profession that inspired me..

@RayNiche Nicely done Ray! Thanks for your incredible energy and enthusiasm for doing things better over the years 👏🏻👏🏻👏🏻

@LiamWinstanley3 @CashCalc Thank you for those kind words 😊

@RayNiche Great effort Ray and thank for being so available in the early years. It wasn't often & we don't know each other well but I don't regret getting on board early! @CashCalc

@Rob_Sidds There is always coffee available behind that M4 screen when you are passing…

@RayNiche It’s like Sir Alex Fergusons goodbye speech at Old Trafford, thanks for the memories Raymondo, the Brynglas ad board will be lowered to half mast 🥹👍

@garryhale Thx Garry. I will do 😜

@RayNiche Nice one. Many congratulations on everything you’ve achieved and the difference you’ve made. Enjoy your speedos and skis…🙌🏻⛷️🩲

@jockularity @PhilBillingham Yes! Thx for your kind words snd I’m pleased @CashCalc helped you and your business 👍

@RayNiche @PhilBillingham Well done Ray. You created something beautiful and useful. Let’s hope those who now have responsibility for your baby look after it well. Thanks for everything you did to make our lives easier.