Business Details
42 Years
experience
Expert Financial Planning Services in Chobham
Bray Wealth is a trusted family-run financial planning firm established in 1984, serving clients in Chobham and the wider Surrey area. Our approach centers on lifestyle financial planning, helping clients navigate life's challenges through personalized advice tailored to their unique goals and circumstances. With over four decades of experience, we combine traditional values with modern expertise to instill financial confidence in our clients. Our team of Chartered Financial Planners adheres to strict ethical standards while delivering technical excellence and continuous professional development.We maintain a client-centric philosophy, fostering open conversations to understand individual priorities and deliver solutions that align with long-term objectives. As a VouchedFor Top Rated Firm for two consecutive years, we demonstrate consistent client satisfaction with 96% of clients recommending us and 100% reporting progress toward their financial goals. Our regulatory compliance under the Financial Conduct Authority ensures adherence to the highest industry standards, while our local presence in Chobham allows us to maintain personal connections with the community we serve.
Services
Financial Planning
Retirement Planning
Estate Planning
Wealth Management
Investment Strategies
Details
- Year established: 1984
Highlights and features
- 40+ years of financial planning expertise since 1984
- Personalized lifestyle financial planning approach for each client
- Regulated by the Financial Conduct Authority for compliance assurance
- 96% client recommendation rate and 100% goal achievement satisfaction
- Only Top Rated Firm in Chobham with consistent industry recognition
Associations and certifications
- Financial Conduct Authority
- VouchedFor Top Rated Firm
What people say
Helped achieve goals
Excellent service
Highly recommend
Understood our needs
Professional approach
Services
Financial Planning
Our comprehensive financial planning service creates tailored strategies aligned with your life goals. We analyze current financial positions to develop actionable plans covering investment management, tax efficiency, and long-term wealth preservation. Clients benefit from our Chartered Financial Planners' expertise in navigating complex financial decisions.
Retirement Planning
Specialised retirement planning helps determine required savings levels and optimal withdrawal strategies. We consider pension options, tax implications, and lifestyle requirements to ensure financial independence. Our approach maintains flexibility for changing circumstances while maximising retirement income potential.
Estate Planning
Estate planning services focus on tax-efficient wealth transfer strategies. We assess current assets and liabilities to develop inheritance plans that minimise tax liabilities while preserving family wealth. This includes wills, trusts, and lifetime gifting strategies within regulatory compliance frameworks.
Wealth Management
Our wealth management service combines investment strategy with comprehensive financial planning. We create diversified portfolios aligned with risk profiles and financial objectives, continuously monitoring market conditions. The service includes regular performance reviews and strategic adjustments to maintain growth trajectories.
Investment Strategies
Tailored investment strategies consider individual risk tolerance and financial goals. We develop diversified portfolios using various asset classes while maintaining regulatory compliance. Regular reviews ensure strategies adapt to market changes and evolving client circumstances, focusing on long-term capital growth.
People
Lucie Bray
Director
Continuing Ken Bray's legacy, Lucie combines business leadership with client-focused values. With decades of industry experience, she ensures the firm maintains its personal approach while adapting to modern financial challenges. Her leadership prioritises ethical standards and client satisfaction.
Nick Swartout
Chartered Financial Planner
Nick leads financial planning with technical expertise and ethical commitment. His continuous professional development ensures clients receive up-to-date advice. He specialises in complex financial solutions while maintaining clear communication with clients throughout their financial journey.
John Findlay
Financial Planning Consultant
John provides practical financial solutions grounded in extensive industry experience. He focuses on translating complex financial concepts into actionable strategies. His client-centred approach ensures tailored advice that evolves with changing life circumstances and regulatory environments.
Geoff Corden
Financial Planning Consultant
Geoff combines technical knowledge with clear communication to demystify financial planning. He specialises in helping clients understand their options through straightforward explanations. His approach prioritises long-term relationships built on trust and consistent service delivery.
Alison Collins
Operations Manager
Alison ensures smooth business operations while maintaining client service standards. Her organisational expertise supports the advisory team's effectiveness. She plays a key role in maintaining regulatory compliance and operational efficiency across all business processes.
Questions
Where are your offices located?
Our offices are at The Courtyard, 63-65 High Street, Chobham, directly opposite St Lawrence's Church with client parking available.
Are initial consultations free?
Yes, initial meetings are held at our expense with no obligation to proceed, typically lasting up to one hour and 15 minutes.
How are you regulated?
We operate as an appointed representative of The Openwork Partnership, authorised and regulated by the Financial Conduct Authority (FCA).
What areas do you serve?
While based in Chobham, we serve clients across Surrey and surrounding areas, maintaining personal service despite geographic reach.
What makes you different from other firms?
As a family-run business since 1984, we combine personal service with technical expertise, evidenced by our 96% client recommendation rate.
How do you charge for services?
Our fee structure is transparent and discussed upfront. Charges vary based on service complexity, with all costs clearly explained before engagement.
