Practical financial advice for businesses and individuals across the Thames Valley & London

Whilst, as our name suggests, we’re based in Bray Village, we work with individuals, families & successful businesses from the local area, typically within a 2o mile radius, although there is no hard & fast rule to this.

We are unique in our approach in that we are able to provide 360 degree, comprehensive joined up advice across all areas of Financial Planning, Estate Planning (by referral only) and Accounting (by referral only). Where we do not have the expertise inhouse, such as in the accounting space, we collaborate with our professional partners to provide joined up financial advice.


As a firm, we are committed to ethical, sustainable, governance (ESG), AKA socially positive investing, & have been investing our clients money successfully in this way since 2013.


We like being a small business and we want it to stay this way and so do our clients, this means we are only able to work with a limited number of people and businesses. We provide a personalised, meaningful & profitable service to our valued clients, helping them to grow & protect their assets in a risk managed way. As a prospective client, you will have attained a certain level of wealth & income enabling you to fund your tax efficient-diversified portfolio, this being a prerequisite to achieving your financial goals.


We only undertake expert 360 financial planning for our clients who have funds under servicing with us, i.e., we won’t undertake transactional business like mortgages for non-clients, for example; Please only make an enquiry if you are a higher / additional rate tax-payer and / or if you have over £400k+ of investable assets (e.g. pensions and investments) that you would like serviced by a professional financial expert. Thank you.


Retirement Planning

Retirement Planning is a complex subject which can incorporate numerous products, e.g. Pensions & Investment income, as part of a broader strategy, where the ultimate goal is to provide enough income in retirement. All our planning is done in a joined up way.

Mortgages & Protection

Old Bray Financial are a whole of market mortgage broker, and can provide advice on the full range of mortgage products available for house purchase and remortgaging, including high value loans, Guarantor, Buy-to-Let, Let-to-Buy, Limited Companies and Bridge Loans.

Estate Planning

We offer four Estate Planning services: Wills, Lasting Power of Attorney, Trust Planning and Personal and Business Tax Planning; These products are commonly used with inheritance, probate, legacy planning, tax advisory, divorce, care fees.

Business Financial Planning

Business Tax Planning is something that all businesses should be doing.
It is essentially legal strategic tax planning to reduce the amount of corporation tax paid and increasing the amount of profits retained.


We help higher net worth clients, i.e. those clients earning £250k p/a or more and with net assets greater than £3m, to manage their Income and Capital Gains tax liability simply and effectively. However, many of our higher net worth clients require help across multiple planning areas.


Old Bray Financial advise on a range of investments for customers looking for the potential to gain higher returns on their money over savings solutions in the medium to long term.

Risk Warnings

  • Old Bray Financial Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorized and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the Financial Conduct Authority register ( under reference 440703 and 440718.
  • The information and content within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
  • Will writing is not part of the Quilter Financial Planning offering and is offered in our own right.
  • The Financial Conduct Authority do not regulate will writing, auto enrolment, trusts, tax planning, buy to let mortgages and estate planning.
  • EIS’s, VCT’s and SEEDeis’s invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
  • The Financial Conduct Authority do not regulate buy to let mortgages and commercial mortgages.
  • The Financial Conduct Authority do not regulate tax planning, employee benefits, auto-enrolment and IHT planning.


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Latest Blog

Venture Capital Trusts for people with income tax problems

Posted on 27th December 2021 by Old Bray Financial

I haven’t written a blog for some time now, so I thought it was high time I did! I hope it is helpful and look out for more regular blogs on the site. As we approach Q4 of the year (I can’t believe it’s already Q4 …), I wanted to post some information on Venture […]

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