Joan Gray


Independent Financial Adviser

Joan Gray MSc, BSc (HONS) ACII AFPC Cert HSC (Open) MBPsS

Investments including ISA, OEIC, DFM and Bonds. Retirement planning including Workplace Pensions, SIPP, PPP, SHP, RAC and Income Drawdowns. Protection including Life cover, Critical Illness Cover and Income Protection. Wills, Power of Attorney and Will Trusts.

Location : Cheltenham

my expertise

I am a member of the Society of Mortgage Professionals and The Equity Release Council. I work as an Independent Mortgage and Equity Release adviser based in Hereford.

I am an independent financial adviser located in Cheltenham, with clients in Cheltenham, Gloucester, Tewksbury, Evesham, Worcester, Cirencester and the Cotswolds.

In volatile, uncertain times, with the introduction of pension freedoms and the complexities that go with it, I believe it is crucial that people seek independent advice. With forty years in financial services, originally in Lloyds Private Banking, then Employee Benefits experience in City of London, I have had my own business since 1992. I provide independent financial advice on investments, retirement planning and protection. I am passionate about facilitating early retirement and helping my clients to enjoy life. I am a Chartered Financial planner, holding the Chartered Insurance Institute qualification and the Advanced Financial Planning qualification. I have a Masters degree and am studying for a Doctorate. I consider myself to provide a bespoke, client – focussed service with the emphasis on a personal touch. I pride myself on creative solutions for my clients. My objective is to build long term client relationships and provide an excellent level of client service, evidenced by the long – standing relationships I maintain with my clients. As part of my service, I help clients with Wills, Powers of Attorney and Will Trusts. There is no fee for my initial consultation appointment and when my clients are completely comfortable with my recommendations, fees would be explained and charged.

I look forward to hearing from you and being of service to you for many years to come. I can meet you in the comfort of your home, or at our office in Cheltenham.

 Stages of Advice I would cover on the [Life Events Timeline] are as follows:

Flying the nest, Looking to the future, Making Career Waves, Building a nest, Wedding bliss, Family ties, Growing you space, Ever growing family, Pension perfection, Secure – safe and invested,  Home is where the heart is, Fledglings take flight, New nests to build, Get most from the pensions, Reaching your pensions, Wills and wellbeing, Pension-pension-pension, Reducing your space, Release any equity.

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01432 343 322

Head Office – Hereford

Abacus Associates

Kemble House, 36-39 Broad Street,
Hereford. HR4 9AR

Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority, FCA number 230342.

Tavistock Partners (UK) Limited is a wholly owned subsidiary of Tavistock Investments Plc.

Tavistock Partners (UK) Ltd trading as Abacus Associates Financial Services are only authorised to give advice to UK residents.

Registered in England Registered O­ffice: 1 Queen’s Square,
Ascot Business Park, Lyndhurst Road, Ascot, Berkshire, SL5 9FE, Company Number 04961992.

Will writing and some aspects of tax planning are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on a mortgage.

The firm is not responsible for the content of external links.

Abacus Associates