Helping You Through Life’s Transitions

Life brings moments that can shape your financial future. With over 20 years of experience as a Certified Financial Planner™, I help you by providing clear financial guidance, education, and thoughtful support, so you can have confidence and clarity with your future. 

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Simplify the Complicated

The financial world can feel overwhelming, especially during major life moments. Wherever you are on your journey, I’m here to provide clarity and help you move forward with confidence.

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Retirement

Turning savings into reliable income with flexibility and peace of mind.

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Divorce

Providing financial clarity during an emotionally complex transition.

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Selling a Business

Maximizing value, managing taxes, and planning your next chapter.

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Estate Planning

Protecting your assets and ensuring your wishes are carried out.

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Managing Concentrated Stock Positions

Reducing risk while aligning decisions with long-term goals.

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Inheriting Wealth

Helping you make thoughtful decisions during times of change.

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Preparing Heirs for Wealth

Building financial confidence and values for the next generation.

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Multi-Generational Wealth Transfer

Aligning family goals to create lasting continuity across generations.

Services Offered

One-Time Donation

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Comprehensive Financial Planning

An integrated approach that brings together cash flow planning, investment strategy, retirement planning, tax planning, estate planning, and insurance planning to create clarity and alignment across your entire financial life.

Retirement Income Planning

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Designing a sustainable income strategy that coordinates Social Security, investment distributions, tax planning, and insurance planning to help you retire with confidence and flexibility.

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Investment Management

Building and managing diversified portfolios aligned with your goals, risk tolerance, and time horizon, while integrating tax-efficient strategies and supporting your broader financial plan.

Jim Bray is a Managing Director and Senior Financial Advisor with Cypress Wealth Services. With over 20 years of experience as a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Exit Planning Advisor (CEPA®), Jim brings calm, clarity, and seasoned judgment to complex financial decisions.


Jim has worked with clients through market cycles, life transitions, and unexpected change—providing practical guidance, clear communication, and steady support when it matters most. His approach is personal, flexible, and grounded in integrity, always centered on doing what is in the client’s best interest.


Clients value Jim for his ability to simplify the complicated, align financial strategies with real life, and help make meaningful goals attainable. The result is confidence in decision-making, a sense of security, and peace of mind knowing they have a trusted advisor and team beside them.

"I care deeply for the clients I serve, and I get tremendous satisfaction from enriching their lives. I would love the opportunity to learn more about you and your needs."- Jim Bray

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20+ Years of Experience with black laurel wreaths on a white background