Bray Financial Advisors LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$8,702,971
Clients
27
19% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
27
TypicalAverage account size
$322,332
About
Bray Financial Advisors LLC provides discretionary investment management and one-time financial planning and portfolio evaluation services to individuals (including high-net-worth clients), trusts, estates, business entities, charitable organizations, and pension and profit‑sharing plans. The firm reports managing approximately $8.7 million for 27 clients and generally requires a $250,000 account minimum, with compensation primarily charged as a percentage of assets under management.
The firm’s investment approach is informed by modern portfolio and efficient markets theories and emphasizes broad diversification through low‑cost index mutual funds and ETFs, a long‑term buy‑and‑hold orientation, and periodic rebalancing (typically annually). Bray Financial accepts discretionary authority to implement agreed asset allocations, may use individual securities or actively managed funds in specific situations, and discloses occasional temporary margin purchases and attention to tax impacts when rebalancing.
Noteworthy features relative to many peers include a concentrated client base and the use of both Interactive Brokers and Charles Schwab as custodians, with disclosure that custodians provide certain products and services to the firm; Bray Financial also does not aggregate trades across client accounts. The firm limits any custody to fee deductions with documented safeguards, does not accept proxy‑voting authority, and offers hourly planning or portfolio evaluations for clients who do not engage ongoing management.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Wealth management
Tax-loss harvesting
Debt management
Fee options
$0 - $1,000,000: 0.95% annually $1,000,001 - $2,000,000: 0.75% annually $2,000,001 - $5,000,000: 0.50% annually $5,000,000 - $10,000,000: 0.40% annually Greater than $10,000,000+: Negotiable
Starting at $250 per hour, fees are negotiable
Account minimum: $250,000
Main office location
Bray Financial Advisors LLC
Mill Valley CA, United States
Number of offices
1
Most active in
Bray Financial Advisors LLC has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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