Advice Team

David Carr, Managing Director

david carr

David is a member of the Personal Finance Society and is the authorised adviser at ECFS.

He has gained many years experience in the industry including twenty seven years with Nat West Bank: sixteen years in investment/wills/executor, and a further eleven years as Senior Financial Planning Manager.

David’s independent advice service is widely used by professionals and individuals, including Edmund Carr’s referred clients.

Financial planning has been no different to most aspects of life over the past few years - there have been many changes, and it is still equally important to plan for the future.

I am very lucky in that I have known some of my clients for up to twenty years, their children are now clients and, more recently, clients of the accountancy practice (many of whom came to my father for advice some years ago) are now seeking independent financial advice from us.




Stephen Franklin, Senior Adviser

Independent Financial Adviser
sfranklin@ecfsltd.co.uk

Stephen is a member of the Personal Finance Society and has over 20 years experience in both private and retail banking, providing financial advice in Essex and London. He welcomes the opportunity to utilise our independent adviser status to provide the best possible advice to our clients in all aspects of financial planning.

stephen franklin


Kevin Bray, Financial Planning Director

Kevin has a very broad range of financial planning experience having worked as a mortgage adviser, financial planner, and wealth manager. As well as his experience as an IFA, he had a long and distinguished banking career with the Chelmsford offices of NatWest Private Banking and Coutts & Co.

He can advise on all areas of finance and also has professional connections to many people in the local business community having worked in the Essex area for over 15 years.

Kevin is a Chartered Member of the Institute of Financial Services. His chartered status demonstrates an ongoing commitment to learning together with the highest ethical and business standards.

I help people to manage their finances, reduce their taxes, protect what is important to them and generally make the most of what they have. I look forward to working with my colleagues in delivering a high quality and bespoke relationship based service to clients from all backgrounds who value professional independent financial advice.



Michael MacLeod, Adviser

michael macleod

Michael joined the firm in July 2016 as an IFA.

He is currently studying towards the Diploma in Regulated Financial Planning and has a background in retail banking and mortgages.

Helping people in all aspects of financial planning has always been an ambition of mine and I enjoy the personal touch that ECFS offers the clients.



I welcome the opportunity to use the experience gained from relationship banking to assist clients with realising their financial ambitions..

Clare van Belkum, Trainee IFA

clare van belkum

Clare joined ECFS in June 2017 as a trainee IFA and is currently studying towards the Diploma in Regulated Financial Planning.

She has a wealth of experience working with clients in both retail and business banking having spent 25 years with NatWest.



Eve Allum - Trainee IFA

eve allum

Eve joined ECFS in October 2017 as a trainee IFA, having worked in Fund Administration for over 13 years. She is currently studying towards a Diploma in Regulated Financial Planning.

I am keen to help people manage their finances and use my knowledge and skills to build relationships and understand individual clients’ needs.