Bray Capital Advisors

The firm focuses on high-net-worth individuals and families, many of whom are retirees or seasonal residents in the Naples, Florida area. Its services are structured around retirement income planning, estate considerations, and intergenerational wealth transfer. Client assets are managed on a discretionary basis through separately managed accounts.

No. Bray Capital Advisors does not sponsor its own mutual funds, ETFs, or private funds. It constructs client portfolios using third-party securities, separately managed accounts, and external alternative investment vehicles. The firm's value proposition rests on manager selection, asset allocation, and personalized financial planning rather than in-house product manufacturing.

As a standalone RIA, Bray utilizes third-party custodians — most commonly Charles Schwab or Pershing — to hold client securities. The firm maintains discretionary trading authority over these accounts but never takes physical custody of the assets. This structure provides an additional layer of client protection through independently issued statements.