About Us

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We are a team of Qualified Financial Advisers- with significant experience in the area of financial advice and planning. Led by our principal Ray McNicholas, Ethical Financial employs a number of financial advisers who are committed to providing a client centred service and always willing to meet and review things with our clients.

Ray McNicholas is a Qualified Financial Adviser with over 20 years experience of working with clients- particularly in the area of investments and wealth management. Ray graduated with a BComm from UCG in 1980 and worked with a charity for 10 years before entering the financial services industry. He worked first for his father’s insurance business in Mayo- JJ McNicholas & Sons- before founding Ethical Financial in 1997.

John McNicholas is a Qualified Financial Adviser who has been working for Ethical Financial for over 5 years. Educated in Dublin in Gonzaga College & Trinity College, John also completed a masters degree in the London School of Economics in 2010. Prior to working in financial services John worked as a Social Worker, and with the ISPCC. John has also played League of Ireland football for a number of years. At Ethical Financial, John advises clients on investments, pensions, and mortgages. John has a very strong attention to detail on taxation, charging, and sound financial advice.