E M Gray & Co

E M Gray & Co Ltd was established in 1981 in Belfast. The founder was Maud Gray, who retired in 1997. Desmond Gray is the Managing Director. Julie McCrory is the Operations Director. The company provides financial planning and wealth management services. It advises individuals and businesses on financial planning needs. For businesses, it advises on profit extraction, business protection, employee benefits, tax planning, and director’s remuneration. It also offers mortgage and family protection services, pensions and retirement services, personal and corporate investments services, and inheritance tax and trust planning.

It designs bespoke insurance plans for individuals and families. It provides mortgage advice for first-time buyers, home movers, and those seeking competitive rates. The company follows a six-stage process for financial planning. It has specialist advisers working throughout Northern Ireland. The team of advisers and planners are fully qualified. Financial Planning Consultants are David Jenkins, Stephen Henry, Lesley Black Stringer, and David T V Franklin. Raymond McCurdy is a Financial Adviser. The company has been helping people make informed financial decisions for over 40 years.

Retirement planning and mortgages, pensions and investments recur throughout the accounts left for this Belfast practice, where clients repeatedly single out the adviser who handled their case by name. Tracey Johnston is praised for taking the time to understand individual circumstances, visiting clients on more than one occasion, gathering the relevant details and approaching providers directly to clarify existing arrangements before proposing anything.

Reviewers frequently point to the patience shown when complicated matters are set out in plain language, including the release of a tax-free lump sum from a pension pot that regulatory changes had made difficult to navigate. Tracey O'Reilly, Chris and Benny also attract warm words, with friendliness, professionalism and a willingness to answer questions after the initial meeting coming up often.

A long-standing client records more than three decades of continuous use of the firm for mortgages, pensions, investments and general advice, while another appreciates the range of services available under one roof. The advice is consistently described as tailored, whether for a young family, retirement planning or wealth management for children, and customers say they feel reassured that their financial interests are properly looked after, with several noting the same caring approach from start to finish.