CHARTERED FINANCIAL PLANNER
ANDY WRAY APFS
Office Location
Hertfordshire
I am a Chartered Financial Planner predominantly providing advice to individuals. I pride myself on always delivering a personal and professional service. My key focus is to build long term client/adviser relationships.
I am the Founder and Chairman of the Mill Green Networking and Support Group, which has been running since 2012. We have a strong membership of 50 businesses and as a result, I am well connected to a great group of people from other professions who I consider to be “experts in their field”.
About Me
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 successful years offering financial advice to personal and business clients. Following the closure of the Barclays financial advice business in 2011, I joined DGS IFA.
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’m considered to be a ‘Pension Specialist’ by my Professional Institute and regularly advise on larger and more complicated pension enquiries. I also commonly provide advice on Investments, Inheritance Tax and Personal Protection.
- CF8 – Long term care
- 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
- DipIP – Diploma in investment planning
- DipPFS – Diploma in Financial Planning
- CeMap – Mortgage advice
- AFPC – Advanced Financial Planning Certificate