Financial Adviser Profile

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Kevin Bray

ECFS Ltd
FCA Verified 03/07/2014
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0124 540 9228
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Specialisms & Expertise

About Me

Qualifications

Map

Mid Life

Pre Retirement

At Retirement

Later Life

12%
of this adviser's reviews come from Mid Life clients

I can help clients in the prime of their career. At this stage, the most important areas to focus on are:

  • Ensuring that all savings and investments are maximising returns and in a tax efficient structure
  • Ensuring that pension plans are on track to provide the desired standard of retirement
  • Ensuring that the correct plans are in place to cover the cost of university fees and supporting children

Services Offered

Savings and Investments

Get help and advice on:

  • Ensuring investment portfolios are performing on target
  • Ensuring a diversified portfolio that matches your risk profile
  • Minimising your tax liability through ISAs and NISAs
  • Confirming savings are earning the best possible returns
  • Ensuring savings plans are progressing on plan
  • Finding the right balance between building investments, savings and pensions
Insurance and Protection

Get help and advice on:

  • Ensuring the correct life insurance policies are in place
  • Ensuring adequate covered in case of serious illness or injury
  • Covering family in case of an unforeseen pause in income
  • Protecting income in the case of being unable to work
Pensions

Get help and advice on:

  • Consolidating company and private pension schemes
  • Ensuring pension plans are progressing on track
  • Evaluating the pros and cons of SIPPS and managed pension schemes
  • Updating plans to allow for early retirement
18%
of this adviser's reviews come from Pre Retirement clients

I can help clients starting to plan their retirement. At this stage, the most important areas to focus on are:

  • Ensuring that sufficient reserves have been built up to provide the desired level of retirement
  • Making a plan for the time to retire and maximising the value of your final earning years
  • De risking investment portfolios

Services Offered

Savings and Investments

Get help and advice on:

  • De-risking investment portfolios
  • Ensuring the right balance between income and growth in your portfolio
  • Helping understanding the type of retirement your assets can support
  • Maximising the value of your final few years’ salary
  • Ensuring that all savings and investments are in a tax efficient structure
Insurance and Protection

Get help and advice on:

  • Evaluating life insurance policies
  • Ensuring that you are covered in case of serious illness or injury
  • Covering the increasing costs of healthcare in later life
Pensions

Get help and advice on:

  • Understanding the implications of the decision on when to retire, including options around semi retirement
  • Evaluating ther pros and cons of annuities
  • Explaining options around drawing down some/all of your pension pot
  • Ensuring private, company and state pensions are all in good shape for retirement
41%
of this adviser's reviews come from At Retirement clients

I can help clients about to retire and those who have just done so. At this stage, the most important areas to focus on are:

  • Discussing options on how to utilise your pension including annuities and drawdown options
  • Building an inheritance plan
  • Minimising the risk of any investments

Services Offered

Savings and Investments

Get help and advice on:

  • Reviewing portfolio performance
  • De-risking portfolios
  • Rebalancing your portfolio toward income rather than growth
  • Making a plan for drawing down investments and savings in a controlled manner
  • Making best use of ISA, NISA and Pension allowances
  • Starting to plan inheritance
  • Eliminating unnecessary management fees
Insurance and Protection

Get help and advice on:

  • Insurance to cover the cost of healthcare over retirement
  • Protecting savings, pensions and income
  • Covering family in case of health problems
Pensions and Annuities

Get help and advice on:

  • Deciding and executing on annuities and drawdown options
  • Confirming a plan to ensure a comfortable retirement
  • Ensuring all pensions are accessible
  • Making a plan that allows the best possible retirement while allowing cover for emergencies
24%
of this adviser's reviews come from Later Life clients

I can help clients in their retirement. At this stage, the most important areas to focus on are:

  • Making sure you’re enjoying the best possible retirement that your savings and pension will allow
  • Ensuring that inheritance plans are on track
  • Minimising inheritance tax on anything that you wish to pass on

Services Offered

Savings and Investments

Get help and advice on:

  • Ensuring that portfolios are geared towards driving income rather than growth
  • Ensuring that inheritance plans are in place and progressing on track
  • Minimising the risk of investment portfolios
  • Making best use of ISAs, NISAs and pensions allowances
Insurance and Protection

Get help and advice on:

  • Covering the cost of any unforeseen healthcare bills
  • Protecting savings, pensions and income
  • Covering inheritance
Pensions and Annuities

Get help and advice on:

  • Ensuring you’re taking full advantage of all pensions
  • Working out an inheritance plan for any unrequired pension funds
  • Supplementing retirement funds from alternative sources such as equity release
  • Using pension funds to cover healthcare costs
Contact Me
I was delighted to be listed as a UK top rated IFA for Summer 2014 as a result of client feedback. I provide my clients with tailored financial solutions as an IFA within a long established accountancy practice and have had referrals from those who were very satisfied with the advice they received. I have been advising some of my clients for more than 15 years and over the course of our association saved them a significant amount of tax and grown their wealth base by sound financial planning and regular reviews.. I am qualified as a Chartered Member of the Institute of Financial Services . I help people manage their wealth, pay less tax, protect what is important to them and generally make the most of what they have. Can I help you ?

I would be happy to answer any questions at no cost or obligation.

If you contact me through VouchedFor I offer: Free 1 hour initial discussion
Contact Me
  • STEP Certificate for Financial Services (Trusts & Estate Planning)
  • CII - Certificate in Equity Release
  • CII - Certificate in Financial Planning & Long-Term Care Insurance
  • CII - Mortgage Advice Qualification
  • CII - Statement of Professional Standing (SPS)
  • CISI - Certificate in Private Client Investment Advice & Management
  • IFS - Chartered Associateship
  • PFS - Member by Diploma
Contact Me
Address:
Edmund Carr Financial Services Ltd
148, New London Road
Chelmsford
CM2 0AW
Contact Me

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Typical response time within 24 hours
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We last checked that Kevin Bray was regulated by the Financial Conduct Authority (FCA) to provide advice on 03/07/2014

 

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