Old Bray Wealth

EIS’s, SEIS’s and VCT’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 value of pensions and investments can fall as well as rise, you may get back less than you invested.

We work with higher net worth clients, e.g. clients with a high risk appetite, 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.

If you have substantial income or assets you will undoubtedly need help with most aspects of financial planning, this is when working with a planning firm that can bring together all loose ends in a joined up way becomes really valuable.

For more information on Estate Planning, Tax, Large Loans and Business Advice, please visit the services page or simply get in touch to find out how we can help.

We differ from other advisory firms in that we provide truly joined up financial advice, meaning that we understand what ‘financial planning’ comprises of, i.e. working with a quality financial adviser, accountant & possibly legal firm, depending on your requirements. We bring these threads together to join up the dots and ensure that nothing is missed from your business and personal financial plan.

For more information, please get in touch.


EIS, SEIS and VCT were introduced to provide incentives to individuals to invest in small unquoted companies, which are generally perceived to be higher-risk investments...

Business Property Relief

Anyone with an estate that exceeds the nil-rate band who wants to retain access to their wealth and still see some growth could find a solution in BPR-qualifying investments attractive...

Personal Tax Planning

Personal Tax planning involves using various legal strategies to lower the amount of inheritance, capital gains and also income tax paid.

Trust Planning

A Trust is simply a legal document which ring fences assets and can protect your estate against, care, marriage after death, generational inheritance tax, bankruptcy and creditors.

Pensions & Retirement Planning

We differ from other advisory firms in that we provide truly joined up financial advice, meaning that we understand what ‘financial planning’ comprises of.

Special Purpose Vehicles

Limited companies can be used to purchase buy-to-let (BTL) properties – rental funds can then be drawn from the company through salary, expenses and benefits, dividends, or directors loans.

Estate Planning

Old Bray Financial Ltd differ from a typical advisory firm in that we provide a capped fee for our services and are able to advice across legals, financial planning and tax in conjunction with our key partners. Old Bray Financial only deals with financial advice and any other advice is by referral only.

Contact us to discuss your financial future

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