Richard Lougher graduated with a BSc (Hons) in Business Administration from the University of Wales, Cardiff in 2002 and has previously worked for Hargreaves Lansdown, RBS Group and Quilter (Morgan Stanley Smith Barney). Richard has been awarded the Certificate in Investment Management, Certificate in Private Client Investment Advice and Management, International Certificate in Wealth Management and the Diploma in Financial Planning. He is a Member of the Personal Finance Society and a Chartered Member of the Chartered Institute for Securities & Investment.