Bray Capital Advisors, LLC

Bray Capital Advisors, LLC is a Florida-based investment advisory firm founded in 2014 and registered with the U.S. Securities and Exchange Commission. The firm specializes in providing fee-only wealth management services to high net worth individuals and families. As a fiduciary, Bray Capital Advisors puts clients' interests first and manages client investment portfolios on a discretionary basis. The firm offers services such as investment management, tax compliance, estate planning, and personal financial planning. Client portfolios are customized using individual stocks, bonds, and ETFs based on investment objectives and risk profiles outlined in an investment policy statement. The minimum investment portfolio size is generally $1 million, but smaller portfolios may be accepted based on client needs. As of December 31, 2023, Bray Capital Advisors manages approximately $413 million in client assets. Fees for wealth management services are charged as a percentage of assets under management, ranging from 0.50% to 1.25% based on the asset levels. Clients have the option to pay fees via direct debit or direct billing. The firm does not engage in performance-based fees or side-by-side management. Bray Capital Advisors does not accept soft dollar benefits and maintains custody of client assets with independent qualified custodians. Clients grant the firm investment discretion, allowing Bray Capital Advisors to make investment decisions on their behalf. The firm also handles proxy voting for client securities. Bray Capital Advisors has no disciplinary history and has not been involved in bankruptcy proceedings.