John Findlay

I've been advising clients for more than 13 years, previously for Lloyds and now for Bray Wealth Management, which I joined in July 2015. My aim as a Financial Planner is to provide excellent customer service at all times and help people make important financial decisions throughout their working lives, into retirement and beyond. How do I help clients? - Help quantify financial and life goals - Work out a realistic plan to achieve these - Implement a strategy to work towards this - Provide an ongoing service to ensure plans remain on track Typically my client’s goals include: - Working towards financial independence in retirement - Making the most of a pension pot - Saving for children’s University fees - Protecting a family’s finances against the impact of a family catastrophe I've been an Education Champion for the Personal Finance Society for two years, and have visited several schools, including Eton College, to help sixth formers learn about personal finance. Developing trust is key to my role and as such I offer a couple of meetings at no cost to you to allow me to understand your plans and explore how I can help you. 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 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 on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. 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 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.