Wealth Management for HNW individuals, families and successful businesses across the Thames Valley & London


Old Bray Financial manages, protects and grows client money and assets.

 

Please only make an enquiry if you meet one or more of the following criteria:

 

– You are a higher / additional rate tax-payer;

– You have over £300k++ of investable assets that you would like serviced by a finance expert (e.g. pensions and investments or cash to invest, etc.);

– You have enough disposable income to utilise your annual tax allowances;

You have a successful business with substantial business capital to invest.

 

If you would like a personalised wealth management experience from a local firm that only works with a capped number of affluent clients then please feel free to reach out. We would be delighted to hear from 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.

Wealth

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.

Investments

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 (https://register.fca.org.uk) 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 […]

Contact us to discuss your financial future

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