Personal:
Married to Nicki and lives in Hurley with their two teenage daughters

Experience:
Cliff began his financial services career in 1981. With 20 years experience in a variety of senior management roles with one of the world's largest multi-national financial services companies, Cliff formed Prosperity Financial Services in 2005. As a Director, Cliff is responsible for business development and managing relationships with our professional partners
Cliff has chosen to specialise in advising clients in the areas of family, personal and corporate protection. .

Qualifications:
Financial Planning Certificate

Chris's details will follow.

Personal:
I am mid-forties, and have been married to Angela since 1988. We have lived in a small sleepy village in Oxfordshire for 17 years.

Experience:
Started in Financial Services with Barclays in 1979, moving to Bradford and Bingley in 1992 as Manager and Financial Adviser After meeting Cliff Gray in 1994, I worked with Allied Dunbar as a Consultant/Practice Manager and helped Cliff set up Prosperity in 2005. Now my main role is to look after the operations and IT for Prosperity.

Qualifications:
I have the Financial Planning Certificate, Mortgage Advice Qualification and have passed exams for Lifetime and Home Reversion Mortgages. I also hold a Diploma in Business Studies with the Open University.

Personal:
Peter is married with 2 teenage sons, living in the shadow of the Chiltern Hills, in Chinnor.

Experience:
Has been working in Financial Services since 1993 years and specialises in Pensions, Investments and IHT Planning. Peter also has a role developing the advisers that work with Prosperity.

Qualifications:
The Financial Planning Certificate and Mortgage Advice Qualification and Diploma in Financial Planning. Peter is now studying for his Advanced Diploma in Financial Planning and has a BSc (Hons) in Civil Engineering, from a past life!