ECFS Ltd is a verified pro service provider Certificate of Excellence 2019

ECFS Ltd locationChelmsford, Essex

Independent Financial Advisers offering a competitive and comprehensive service. ( No we are not the Teletubbies-sorry to disappoint !)

We are based in central Chelmsford and the initial meeting at our office is free to you. On site parking & refreshments available.

We can advise on pensions ( NOT final salary / defined benefit transfers), investments, life cover & income protection.

Let us help you make the most of what you have with a no obligation pension / investment review today.

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What do you love most about your job?

We are advocates of independent financial advice for everyone.
At ECFS Ltd we explain financial matters in straightforward language so that you have a full understanding of how any advice provided would make a difference to your financial situation.

What inspired you to start your own business?

We want to educate and inform so you can make the most of what you have, pay less tax & protect what's important to you.
Kevin Bray says; "This is my philosophy in every advice role I have undertaken in the last 20 years. If you chose me to help you then I'm honoured".

Why should our clients choose you?

Kevin says " I have a team of advisers and administrators working with me to ensure you get the best level of service we can offer. ECFS has over 500 clients because people trust us to do a good job for them and take the burden of investment decisions away from them".
We offer ongoing annual reviews to ensure your investments are on track and continue to meet your financial objectives.
We will keep you uptodate with regard to investment and financial matters with a complimentary bimonthly free newsletter. ( You can e-mail us at to subscribe to receive our newsletters without needing to become our client).

Services provided by ECFS Ltd

ECFS Ltd Services

Pension review

Bring in what you have and I can help you understand what you are invested in, what you are paying and how you can access your capital in the most tax efficient manner.

Work history from ECFS Ltd

Work History

Chartered Financial Planner, IFA & Financial Planning Director

E C Financial Services Ltd

From December 2013 to present.

I provide independent financial advice to clients with any level of wealth subject to a minimum advice fee of £750.


Our ECFS community " Grassroots Grant" scheme

We give £250 every quarter to an employee sponsored good cause. Each member of staff takes a turn to get involved. For some of our latest grants follow this link.

ECFS Ltd on Twitter

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