01207 588999 info@aspirewealthlimited.co.uk
Ray's portrait

Ray Carpenter

Independent Financial Adviser

07970 321209
raycarpenter@aspirewealthlimited.co.uk

At work

With more than 20 years of experience as a financial adviser, Ray has developed a deep understanding of personal finance, investment strategies, retirement planning, tax optimisation, and wealth management.

Ray has had the opportunity to work with a diverse range of clients, helping them achieve their financial goals, manage risk, and grow their portfolios.

Having navigated various market cycles, Ray has gained valuable insights into both long-term financial planning and short-term market shifts.

Over the years, Ray has also honed his skills in client relationship management, regulatory compliance, and financial product analysis.

The proudest moment of Ray’s career was helping a client achieve a major milestone by securing their retirement as well as paying off a large debt. Ray says: “Seeing the positive impact of my advice and the gratitude from clients reminds me why I love what I do.”

The things Ray loves most about his job are:

  • Helping people achieve their financial goals by guiding them towards financial security and success, and making a positive impact on their lives in the process
  • Forming meaningful, long-term relationships with clients, understanding their unique goals, and providing personalised advice
  • Solving complex financial challenges and developing strategies to help clients navigate complex financial landscapes.

The types of people Ray most enjoys working with are those who value long-term financial planning and are committed to achieving their goals.

Ray especially enjoys working with clients who are open to advice and eager to learn more about managing their finances. He says: “It’s rewarding to collaborate with people who appreciate a tailored, thoughtful approach, whether they’re individuals planning for retirement, young families building wealth, or environmentally conscious investors looking for sustainable investment strategies.”

At home

Ray is passionate about staying active, and enjoys swimming, walking, and being outdoors. He cares deeply about the environment, and is always looking for ways to support sustainability in both his personal life and professional decisions.

Also, Ray loves meeting new people and engaging with different perspectives, which aligns well with his work as a financial adviser.

Qualifications

  • DipFA Diploma for Financial Advisers

    DipFA is the minimum level qualification you need to become a financial adviser, as laid down by the Financial Conduct Authority (FCA). Financial advisers provide regulated financial advice to help people make the most of their existing wealth. This can include planning for retirement, advising on investments, helping people to make tax-efficient savings, and more.

  • AFA Advanced Financial Advice

    The unit introduces knowledge and understanding of financial institutions to enable you to identify the different types of service that they provide. It explains the functions and importance of the main components of the monetary and financial system, enabling you to recognise and appreciate the influences on the financial institutions and markets, including financial intermediation and disintermediation. It introduces the concept and nature of risk and factors to the advice process for financial advice and enables you to demonstrate knowledge and understanding of the FCA’s approach to ethical and unethical behaviours, and develop understanding of the Code of Ethics.

  • CeMAP Certificate in Mortgage Advice and Practice

    The industry benchmark qualification for mortgage advisers, recognised as a mark of excellence and professionalism. Individuals attain the required understanding of mortgage policy and practice and how to effectively apply this when advising a customer.

  • CertLTCP Certificate in Long-Term Care and Later-Life Planning

    CertLTCP gives you the skills and expertise required to confidently analyse and evaluate planning needs and care requirements to provide good outcomes for later-life clients.

  • CeRER Certificate in Regulated Equity Release

    This qualification develops an extensive understanding of the environment, products available, and the circumstances where equity release is an appropriate solution for the customer.

  • Equity Release Solutions

    You’ll be able to apply suitable equity release solutions for the different circumstances of your customers. You will gain an understanding of different equity release products, their features, and how suitable they are for your customers. This will allow you to provide a holistic assessment of your customers equity release needs.

  • FSRE Financial Services, Regulation and Ethics

    This qualification delivers a comprehensive introduction to the UK financial services and focuses on the environment, key components, and interrelationships of the financial system and legal concepts relevant to retail financial advice. It appears in the apprenticeship standards for the Financial Services Administrator and the Compliance/Risk Officer.

  • Fundamentals of Equity Release

    Understand the equity release market and the regulations associated with the different types of schemes available. With this knowledge you'll be able to understand your different customers and match the right scheme to their personal requirements and look at their future options as well.

View FCA register

View Statement of Professional Standing

Three things about Ray...

  • Outside of work, I find peace in swimming, as it helps me clear my mind and recharge.
  • I’m always striving to learn something new, whether it’s about emerging financial trends or another topic, and I believe in constant growth.
  • I enjoy peace and quiet.

Meet the rest of the team

David Fort Director and Independent Financial Adviser Meet David
Colin Graham Independent Financial Adviser Meet Colin
Nigel Orrick Independent Financial Adviser Meet Nigel
Andrew Wintrip Independent Financial Adviser Meet Andrew

What clients say

See feedback and reviews from real people who’ve benefited from our advice, plus the latest videos of Aspire clients talking about their experience with us.

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of clients believe that working with us has helped or will help them achieve their financial goals.

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of clients would recommend us to their friends, family, or colleagues.

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of clients are satisfied with our understanding of their needs, goals and aspirations.

Resources

Improving your financial education doesn’t need to cost the earth. Our handy resources are all available to you completely free of charge.

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Blogs

06/10/2025 Why you should look on the bright side of life 06/10/2025 The Japanese wellbeing concepts that could improve your life
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