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Andy Wray APFS - DGS Chartered Financial Planners

Andy Wray APFS

About me

I am a Chartered Financial Planner predominantly providing advice to individuals .  I pride myself on delivering a personal and professional service at all times and my key focus is to build long term client/adviser relationships.

My history

I joined the financial services industry in 1997 with Barclays Bank progressing through the ranks to become a Branch Manager at the age of 22.  In 2008, I became a Financial Planning Manager at Barclays and enjoyed 3 highly successful years offering financial advice to personal and business clients.  Following the closure of the Barclays financial advice business in 2011, I joined DGS.

Since joining, I have obtained Chartered Status and I’m proud to say that I passed all 17 exams at the first attempt, many of them with high grades. I am considered to be a ‘Pension Specialist’ by my Professional Insitute and regularly advise on all types of Pension including Defined Benefit and Occupational Schemes. I also commonly provide advice on Investments, Inheritance Tax and Personal Protection.

My qualifications

  • DipIP – Diploma in investment planning
  • DipPFS – Diploma in Financial Planning
  • CeFA 1,2,3,4 – Certificate for Financial Advisers
  • CF8 – Long term care
  • CeMap – Mortgage advice
  • R02 – Investment Principle and Risk
  • R03 – Personal Taxation
  • R04 – Pensions and Retirement Planning
  • R08 – Pensions update
  • AF1 – Personal Tax and Trust Planning
  • AF3 – Advanced Diploma in Pension Planning
  • AF4 – Advanced Diploma in Investment Planning
  • AF5 – Financial Planning Process
  • LP2 – Financial Services Products and Solutions