Pensions and Investments
Once we receive your enquiry and have discussed your requirements for financial advice, we would look to arrange a Fact Find meeting.
In this initial meeting we would look to send-off policy letters of information to your various providers. This enables us to price up the work and enables us to cap our initial fee, i.e. we will know how long the work will take. The meeting typically takes 1.5 hours, or so.
After a fact find meeting we send a meeting summary, which often includes a fee agreement & engagement letter. We will also happily have another meeting at our own cost, if required, to discuss next steps and answer any more questions. We understand that it is important for all our new clients to feel comfortable before they begin working with us, especially as financial advice can seem like a complex subject.
When we look at pensions and investments, we analyse any existing schemes and then look to provide recommendations in line with your financial circumstances and goals, where, before we present the advice to you, we first need to seek compliance approval, meaning the advice we are providing has been underwritten by our compliance partners. This part of the process can take a few weeks, subject to SLAs.
At this stage in the process we would look to present our advice to you. Once you are happy with the advice and you have signed it off we are then able to implement our recommendations. This part of the process can take several weeks, depending on the speed of providers involved and what needs doing.
Once we have implemented our advice we are now into ongoing servicing of your policies, whereby, we need to monitor the advice we have provided to ensure it remains suitable on an ongoing basis, inline numerous variables such as your, financial circumstances, goals, investment horizon, Attitude to risk, etc. If the advice we have provided on a product area needs attention, we will make changes without further charging, as part of your annual ongoing adviser fee.
As a firm, we are committed to ethical, sustainable, socially positive investing & have been investing our clients money in this way for several years now.
We only work with our existing wealth clients in this space, helping them to build property portfolios as a part of their overall financial plan.
Again, we will only work with our existing wealth clients in this space. We are different from solicitors in that when we look at Estate Planning, we look at your Financial Planning, Tax and the Legal side, which is rather unique and will ensure that nothing is missed and that your planning is joined up.
Personal and Business Tax Planning
Personal Tax planning involves using various legal strategies to lower the amount of inheritance, capital gains and also income tax paid. Areas that may be able to benefit from a tax bill reduction include income, savings, shares/investments and also property.
Business tax planning is the tax planning which all business should be doing to optimise profits, income and legally reduce tax.
We work with clients in the long term in order to provide holistic financial advice, best value for you and positive outcomes.
This is key in being able to provide best quality advice to you. The more we understand you and your circumstances and your goals the better our advice will be.
We are impartial and only act in our client’s best interests.
We are technically strong and knowledgeable about our subject. This means we are able to navigate the financial landscape with skill, accuracy and success.
We work with local professional partners who can help in the areas that we can’t. This means we are able to provide a truly holistic approach to financial planning across financial advice, accountancy and legals.
We work with local professional partners who can help in the areas that we can’t. This means we are able to provide joined up advice which is probably the most important thing to look for when choosing a financial adviser.
Director and Chartered Financial Planner
BSc, MSc, MSc, APFS, Certs CII (MP & ER)
Alex is a Chartered Financial Planner with a degree in Chemistry & Pharmacology, an MSc in Organic Chemistry and a MSc in Financial Risk Management. Formerly in front office Investment Banking, Alex left the City in 2012 to set-up Old Bray Financial, an advisory firm that provides comprehensive, 360 degree financial advice to both retail & business clients across London and the Home Counties. Under Alex's leadership, Old Bray Financial has built a unique reputation for providing exceptional client service and accomplished, joined up financial advice.