Nick Swartout

A successful and professional financial planner who strives to deliver the best outcome for every client. I am a Fellow of the Personal Finance Society, Chartered Financial Planner and the Managing Director of Bray Wealth Management which was established in 1984. Okay, but what do I do? I look after individuals and their families to help generate, protect and pass on their wealth to the next generation by focusing on them and them only. I like to get to know the real person and what it is they are looking to achieve by asking deep and meaningful questions. Once I feel I know more about the individual and their family, and I feel I can help them, we will then and only then start building their financial plan. Everything we do around financial planning will hinge from this plan and I will be there to guide and coach them through the good and the bad times. I find clients are only concerned with their problems and have little appetite for someone who is only interested in pushing their solutions. I believe in building long-term trusted relationships with my clients. I like working with a limited number of key individuals and their families to ensure I can provide them with the right amount time for them to have confidence in their future. Being a client means: You have a highly qualified professional expert who cares about you and your family. You feel financially well organised and can participate in the relationship. You are committed to the relationship and are willing to be held to account should your behaviour start to compromise your financial plan. You will have the support of a dedicated friendly team who share over 70 years of experience of looking after valued clients. I understand that life is short, and time is precious which is why I find it hugely rewarding knowing my clients can go about their daily lives with the knowledge they have a plan and they feel confident about their future. Approved by The Openwork Partnership on 1st February 2023. Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help to understand the best level of life, critical illness and income cover for you. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.