GW Financial is a fee only Registered Investment Advisor
GW Financial is a fee only Registered Investment Advisor

GW Financial, Inc. (GWF) is an independent, fee-only wealth management and financial planning firm specializing in advising and engaging individuals, families, and organizations. We focus on coaching clients toward financial peace of mind through financial education, clear communication, and smart resolutions. GWF addresses the broad financial needs of individual clients through integrated advice and asset management.


We often work with clients who are committed to pursuing their goals and understand the value of working with a financial adviser. As a result, our clients enjoy financial peace of mind and are better prepared for life’s unexpected events.


Led by President & Wealth Manager Julie Anderson Bray, CFP®, we have been offering comprehensive financial planning for close to three decades. Julie is a member of the Financial Planning Association (FPA), the largest organization of professionals dedicated to championing the financial planning process and a member of the National Association of Personal Financial Advisors (NAPFA), the nation’s premier organization of comprehensive fee-only advisers.


We are committed to creating long-lasting relationships with clients that span generations, serving as a reliable resource for financial guidance. We enjoy working with our clients through the financial planning process and helping them pursue their retirement goals. We believe in a high level of interaction and attention to detail, in particular concerning financial planning, and while we do not have a formal "minimum," we do find our pricing model better-suited towards clients with $200,000+ household income and/or $250,000 investable assets and/or qualified retirement savings.

Our Story

Glenn Woody Financial Consultants (GWFC) was founded in April 1982 by Glenn Woody, CFP®. Glenn converted the practice to fee-only in 1988 and since that time has been active in educating and assisting other planners and advisers who desire to make the transition to a fee-only type of business.  In 2014,  Julie Bray, CFP® acquired GWFC and rebranded the firm as GW Financial, Inc (GWF) while still carrying out the foundation of being a fee-only firm and upholding the fiduciary standard it was founded on. GWF is a C-corp and registered with the SEC.

Our Fees

Fee-only financial advisers like GW Financial are fiduciaries who do not sell products, do not receive commissions, do not benefit from transaction fees, and always act in the best interest of the client, whether it’s for investment or other financial advice. This means our sole compensation is from you, the client. This fee-only approach allows us to give our clients complete objectivity in our recommendations and services.


As fee-only planners we are compensated in 2 ways:

  • For financial planning, we charge a flat consulting fee

  • For our wealth management services, we earn fees, based on a percentage of the value of the portfolio calculated on a quarterly basis


We have been working this way exclusively for over three decades, and we do not foresee a change in the future.

Our Process

The GW Financial, Inc. process is based on seven steps that focus on planning your financial future and growing your personal wealth. All of these meetings are formatted so that they aid us in better serving you.

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Crystal Lee Butler, MBA

Marketing Consultant

Crystal Marketing Solutions

Crystal Marketing Solutions, LLC (CMS) creates a consistent marketing presence for financial professionals so they can focus on the things that matter most to them. 

Cindi Hill

Compliance Consultant

Hill Compliance Advisors

Hill Compliance Advisors provides comprehensive compliance services and solutions for the financial professional who is a Registered Investment Advisor (RIA).



In an effort to offer you a top-notch experience and services we engage the follow partners:



It's Your Money! Workshop Series

To find out more go to Financial Empowerment & Estate Literacy website.


Through the WISE organization, Julie is partnering with a program called Women in Life Transitions. This is a division of the WomanSageCares Program that helps women over the age of 40, which are experiencing major life transitions, get back on their feet. She is meeting with these women to help teach them the tools that they need to get financially stable and in control of their future.



Below is a list of organizations we are a part of.