Looking at the bigger picture

With E C Financial Services Limited (ECFS), you can benefit from practical, trustworthy financial planning for today, for tomorrow, for life.

In addition, ECFS is directly authorised and regulated by the Financial Conduct Authority, enabling us to recommend and buy or sell insurance or investment products, and to implement this on behalf of our clients.

Established by David Carr in 2006 to fully meet the demand for all-encompassing financial advice and planning, ECFS operates as the independent financial services division of Edmund Carr Chartered Accountants.

Your advisers are David Carr and Stephen Franklin who both have diplomas in Financial Planning and Kevin Bray who is a Chartered Member of the Institute of Financial Services. They offer financial planning advice on all aspects of financial planning services.

Your plans for the future...

We work in close partnership with our clients, gathering financial information to help us analyse current financial positioning, and to make effective recommendations for ensuring a financially secure future.

We take a broad look at the entire finance spectrum, and what is available to you. We discuss what is in your best short and long-term interests, implement appropriate plans, monitor progress and adjust your plan to suit changing circumstances.

We provide comprehensive long-term financial strategies, down to one-off straight-forward advice in one or more specific areas including:

  • Life Assurance/Protection
  • Income Replacement Cover
  • Pensions and Retirement Planning
  • Investments
  • Inheritance Tax Planning - Mortgages/Equity Release/Long Term Care Planning


I have dealt with Edmund Carr for over 20 years regarding my tax affairs, which have always been dealt with speedily and efficiently. As I approached my retirement, I also contacted David Carr for advice regarding my pension planning, some 4 years ago, with a view to retiring this year (2018) if possible. David’s understanding of my objectives, combined with his clear explanations of my options, and his invaluable advice, have helped to bring my retirement plans to maturity at the end of March. So, many thanks David, we got there a bit earlier than originally planned!

Independent Financial Adviser E C Financial Services Limited
122 New London Road, Chelmsford, Essex, CM2 0RG, UK
+44 0 1245 294900 - Registered in England 5631832.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at: www.financial-ombudsman.org.uk

E C Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

Parent company: www.edmund-carr.co.uk

Reviews and Ratings for Financial adviser Kevin Bray, Chelmsford