Gray & Associates

Who We Are

Gray & Associates is a team of independent financial advisors with over 40 years of experience guiding individuals and families towards securing their financial future. Based in Chippenham, Wiltshire, we provide personalized, impartial, and objective advice to empower clients to make informed financial decisions.

Our Philosophy

Our approach to financial planning is centered around understanding your individual needs, goals, and preferences. We work collaboratively with each client to develop a tailored strategy that aligns with their unique aspirations. We believe in a holistic approach, encompassing all aspects of personal finance, including investments, pensions, inheritance tax planning, and wealth protection.

Our Expertise

Our team of experienced professionals boasts expertise across the entire financial services landscape. We offer comprehensive guidance on:

Investments

• Building and optimizing investment portfolios
• Retirement planning and execution
• Inheritance tax mitigation strategies
• Financial planning for entrepreneurs

Pensions

• Understanding and maximizing both defined benefit and defined contribution plans
• Exploring the complexities of pension freedoms
• Planning for future healthcare costs

Protection

• Building robust insurance coverage against unexpected events
• Creating a comprehensive estate plan
• Securely safeguarding your assets

Our Commitment

Building long-term, trusted relationships is at the core of our philosophy. We are dedicated to:

• Impartiality: We provide unbiased recommendations without any conflict of interest.
• Transparency: We clearly communicate costs and fees beforehand.
• Accessibility: We offer convenient communication and flexible scheduling.
• Collaboration: We work in close partnership with other professionals to provide holistic solutions.

Our Clients

Our clients include individuals, families, entrepreneurs, and businesses seeking guidance on various financial aspects of their lives. We believe in empowering our clients with knowledge, options, and clarity to make confident financial decisions.