Reviewed for

Insurance and Protection ( 2 )

Mortgages ( 2 )

Pensions ( 34 )

Retirement income (annuities, drawdown) ( 15 )

Investments and Savings ( 37 )

Pension Transfers - Non Specialist ( 2 )

Inheritance Planning ( 4 )

Reviewers' assets

£500k+ ( 7 )

£200k - £500k ( 14 )

£100k - £200k ( 9 )

Up to £50k ( 2 )

£50k - 100k ( 5 )

( 1 )

Client reviews

First impression from a user who is not yet a client

January, 2021

Overall

Please provide a brief comment about your experience with Kevin

Kevin was reliable, professional, approachable and responsive to my needs / requests

First impression from a user who is not yet a client

April, 2020

Overall

Please provide a brief comment about your experience with Kevin

Excellent professional advice and service.

Kevin's reply

Thank you for your review Andrea. Keep safe !

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Wished to invest

How has Kevin Bray helped you?

Kevin sort out the correct investment / pension transfer for my needs

Have you seen the outcome you were hoping for?

Until the current unprecedented situation yes, nothing Kevin could have done to foresee the turn of events

Kevin's reply

Thank you for the review Jackie. Always a pleasure advising you. Keep safe.

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Kevin

Kevin was patient, dealing with me, a novice when it comes to investments/financing. Very professional and will happily recommended him to friends and family.

Kevin's reply

Thank you for your review Kim. Hope things turn out well for you.

First impression from a user who is not yet a client

March, 2020

Overall

Please provide a brief comment about your experience with Kevin

Trustees of my Pension Plan required me to seek independent financial advice prior to making a decision on which option to take. Mr Bray very kindly agreed to look at the pension papers sent to me. He responded promptly and provided invaluable advice, talking through my options. He recommended what he considered would be financially the most tax efficient option for me. He did this free of charge. I found him extremely pleasant to talk to. For anyone approaching retirement needing advice, I recommend contacting Mr Bray.

Kevin's reply

Thank you very much for your positive comments. I hope to be of further assitance to you in due course.

Review from verified client

April, 2019

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

sorting out a pension

How has Kevin Bray helped you?

he gave sound advice and listen to my concerns about sorting out the pension

Have you seen the outcome you were hoping for?

better, his advice knowledge and information led to a much better outcome.

What could they have done better?

n/a

Kevin's reply

Thanks for the review Chris, its appreciated. ps It was fun sharing the sofa with your greyhound !. :)

First impression from a user who is not yet a client

April, 2019

Overall

Please provide a brief comment about your experience with Kevin

Very nice man and clearly gave information on all aspects of pension. Feel confident to go ahead with dealings with him.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Having received some inheritance money I needed some advice on how best to look after the money and how to make it work for me and my family.

How has Kevin Bray helped you?

He advised me on options available and talked through cash investments, income builders, how to make best use of ISAs etc

Have you seen the outcome you were hoping for?

Yes, the products that Kevin has set up for me and helped maintain have been working well for many years now,

Kevin's reply

Thank you Judy. Always a pleasure to help you out as you have your hands full most of the time !

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I wanted professional advice from someone regarding my pension as my husband who used to deal with all our financial affairs is no longer able to do so due to ill health.

How has Kevin Bray helped you?

Kevin was very informative and reassuring as he helped me plan my finances for the future.

Have you seen the outcome you were hoping for?

Very much so.

Kevin's reply

Marguerite, thanks so much for leaving your review. I know you have a lot going on in your life so its really appreciated.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I inherited some money. I knew net to nothing about investment and badly needed guidance.

How has Kevin Bray helped you?

Kevin listened carefully to my ideas and questions. He was/is extremely patient and took care to answer all my questions fully. He was also proactive in making sure I understood many aspects of the world on investment about which I knew nothing. I think he was very sensitive not only to my particular needs but also my attitudes and approach to the management of this investment. The reasoning behind his suggestions is always fully explained in terms comprehensible to me - a neophyte investor - and are based on what he knew of me personally. He always treats me as an individual (and a human being!) Kevin is always well prepared, approachable, pleasant, friendly and humorous. He has inspired my respect and trust.

Have you seen the outcome you were hoping for?

Yes. And I have learned a good deal along the way. I have already recommended Kevin's services to friends and will continue to do so.

What could they have done better?

Nothing I can think of. I am happy to be working with him.

Kevin's reply

Thanks for your review Janet. Its been such a pleasure advising you. It's also appreciated that you take the trouble to come in to see me at the office.

Review from verified client

November, 2018

Overall

Service

Advice

Value

Based in Bristol

What were the circumstances that caused you to initially look for an adviser?

I sold a company and received financial advice from my bank. Ad time moved on I needed a wider set of options.

How has Kevin Bray helped you?

I had k own Kevin for many years, and when he moved from banking to being an IFA, he was a person I trusted to give me those wider options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I can't really fault his approach to meeting my requirements

Kevin's reply

Thanks for the review Robin. It's been an absolute pleasure advising you over the twenty years or so we have known each other. I hope you enjoy your new surroundings and look forward to popping in for more tea & cake in 2020 !.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

My recent retitrement therefore looking for sound independant advice.

How has Kevin Bray helped you?

Explained everything in a clear and logical fashion and is always available to contact.

Have you seen the outcome you were hoping for?

Too early for any slid results ongoing.

What could they have done better?

Can not think of any.

Kevin's reply

Paul, Thanks so much for the review. I am sure you have had many good ones for your food !. Enjoy your well deserved retirement.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I was getting close to retirement and I required help to manage my pension, to move it away from my existing pension "manager".

How has Kevin Bray helped you?

He reviewed all my pensions and advised how best to plan for the future taking into account the need to pay off my outstanding mortgage

Have you seen the outcome you were hoping for?

Early days, but all seems well

What could they have done better?

There is nothing that springs to mind

Kevin's reply

Robert, Thanks for the review. I was delighted to help you find out that you were in better shape financially than you first thought. I hope you can now look forward to a much more comfortable retirement. Best to Karen.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Conducting overall review of my finances

How has Kevin Bray helped you?

In depth review of current status with comprehensive performance analysis and strategic recommendations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Am always treated like an important customer with genuine attentiveness and all round excellent service.

Kevin's reply

Thank you for your kind words Colin. I always enjoy our meetings and look forward to seeing you again soon. You will find the car parking much more accessible in the new office !. Best to Ann.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I had some money to invest

How has Kevin Bray helped you?

Kevin has been my Financial Advisor for many years and I have always consulted him as and when I have had some money to invest.

Have you seen the outcome you were hoping for?

Yes definitely, as Kevin always works hard to find the right investment for my requirements.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Pension headache.trying to sort myself

How has Kevin Bray helped you?

With his infinite knowledge and experience of the pension rules and his advice .

Have you seen the outcome you were hoping for?

Early days yet.. but l ve every confidence in my decision based on Kevin's advice.

What could they have done better?

I am extremely happy with the service l recieved.. explanations to my questions were fully answered and time was tsken to make sure l fully understood..

Kevin's reply

Rick, Thank you for such positive feedback. Your situation was not uncommon and I'm delighted you saw the merits of taking independent financial advice. The tax relief envisaged should recoup 100% of the advice fees by the time you draw your state pension. I look forward to our next review. ps - Your drawing has pride of place in my office ( never imagined myself with a top hat !) :)

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Retirement pensions.

How has Kevin Bray helped you?

Set up a draw down pension fund.

Have you seen the outcome you were hoping for?

Yes.

Kevin's reply

Thanks John It was a pleasure to help you work out the best pension solution with a mix of retaining the plan with the safeguarded benefits and consolidating the others into a cohesive retirement strategy.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Buckinghamshire

What were the circumstances that caused you to initially look for an adviser?

Wanted advice on planning our retirement.

How has Kevin Bray helped you?

He helped us with advice on pensions and best way forward with savings etc.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Kevin's reply

Many thanks for your feedback Suzanne . Enjoy the extra income !

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

We had both retired and had a relatively large amount of cash that we wanted to invest to add to our monthly income.

How has Kevin Bray helped you?

He invested in several ISAs that would give us a good interest.

Have you seen the outcome you were hoping for?

Yes we have extra money coming in monthly, quarterly and yearly.

What could they have done better?

No we are very happy with his recommendations and investments made on our behalf,

Kevin's reply

Thanks for your feedback T & J. I'm pleased to have helped you make the most of what you have.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Hertfordshire

What were the circumstances that caused you to initially look for an adviser?

I called upon Kevin to do a quality check on my current investment strategies and advise me on what, if any, improvements I should make.

How has Kevin Bray helped you?

As a result of his quality checks he helped me submit a successful claim for compensation in respect of a miss selling episode a few years ago. He then advised me what I should do with the money received bearing in mind my investment objectives.

Have you seen the outcome you were hoping for?

I am pleased with the current progress of my investments.

Kevin's reply

Thanks for your feedback Richard. I was really pleased to help you get a decent outcome in the end. Thanks for turning to me to provide you with a suitable retirement solution.

First impression from a user who is not yet a client

September, 2018

Overall

Please provide a brief comment about your experience with Kevin

Very good.

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Kevin

I found Kevin friendly and professional. Should I need more financial advice in the future I would certainly use his services.

Kevin's reply

Thank you for your feedback. I was pleased to help you resolve your IHT query satisfactorily. Always happy to help.

Review from verified client

August, 2018

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Consolidation of numerous pension pots for the purchase of a suitable annuity and draw down pension investments.

How has Kevin Bray helped you?

He spent time looking into what type of pension investments would meet my requirements and suggested the most suitable options. By clearly understanding my needs he devised a suitable pension plan that would give me financial security and appropriate growth.

Have you seen the outcome you were hoping for?

Yes. The devised pension plan is in place and providing the returns in accordance with expectations.

What could they have done better?

Looking at the level of service provided by Kevin it's difficult to identify any area of improvement. His service was spot on.

Kevin's reply

Thank you Bob. I enjoyed the challenge !. I'm really pleased you are happy with the job I did for you. See you at review time.

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Kevin

He put me at ease and was understanding with my financial situation and professional.

Kevin's reply

Thanks for taking the time to leave your review Frank. I'm pleased we both got so much out of the initial meeting. I'll be in touch very soon with my recommendation for you.

First impression from a user who is not yet a client

June, 2018

Overall

Please provide a brief comment about your experience with Kevin

I found Kevin to be very helpful, knowledgeable and clear about what he could do for us. He explained in detail about what their charges would be and we were very satisfied with our initial meeting and will be using his services.

Kevin's reply

Thank you Steve, Look forward to helping you fulfil your retirement plans.

Review from verified client

February, 2018

Overall

Value

Advice

Service

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I had not taken financial advice for ten years.

How has Kevin Bray helped you?

Kevin found a pension fund that had significantly outperformed my current pot over the last ten years while charging less, and was able to move me to it - and include his fees - for the same annual cost as my original provider.

Have you seen the outcome you were hoping for?

Definitely, though if course past performance is not a guarantee of future success - only time will tell.

What could they have done better?

I am not sure there is anything Kevin could have done better. He arranged convenient meetings, explained everything well, and kept me fully informed at all times as to progress. A consummate professional!

Kevin's reply

Thank you Tony. Your feedback is very much appreciated.

First impression from a user who is not yet a client

January, 2018

Overall

Please provide a brief comment about your experience with Kevin

-

Kevin's reply

Thanks for taking the time & trouble to leave a review Tim. All feedback is appreciated.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Required to do a drawdown from my pension, and wanted to be able to continue to do drawdowns in the future.

How has Kevin Bray helped you?

Kevin has got me a new pension which even with his charges will be cheaper than the previous pension company, and allows me to do what I wanted to do with the pension.

Have you seen the outcome you were hoping for?

Kevin was clear on the Documents I got. I now have a pension that I can do drawdowns whenever I require. The recommendations were suited to me. I am happy with the pension arrangements I now have.

What could they have done better?

Kevin was very helpful, but I was sat waiting for him at one point for about 5 minutes after our appointed meeting time.

Kevin's reply

Thank you for the feedback Norman. It's most appreciated. Sorry I kept you waiting for one of our meetings. I needed to make a late change to your report before we went over it together.

First impression from a user who is not yet a client

November, 2017

Overall

Please provide a brief comment about your experience with Kevin

Kevin was very friendly and organised our meeting very swiftly. His advice was very clear.

Kevin's reply

Thank you Russell. Hope to be of further assistance in due course.

Review from verified client

November, 2017

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Reaching 60 and some pensions due to pay out.

How has Kevin Bray helped you?

Initially met for one hour to talk through options. Advice given that I could do the work myself so no charge. However, dealing with pension companies myself proved problematic. Approached Kevin again and he was happy to assist.

Have you seen the outcome you were hoping for?

Transfers to a new pension scheme almost complete.

What could they have done better?

Nothing - very happy with advice given.

Kevin's reply

Thank you Nora. I'm really pleased to have got everything sorted out for you.

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Kevin

Excellent 1st meeting, now waiting for Kevin to say that he has contacted my pension company and what I cam do.

Kevin's reply

Thank you for the review Norman. I'll be in touch again as soon as I have the information required to enable you to make an informed choice as to the best way forward.

First impression from a user who is not yet a client

October, 2017

Overall

Please provide a brief comment about your experience with Kevin

Satisfactory

Kevin's reply

Thank you for taking the time to leave feedback. It's appreciated.

First impression from a user who is not yet a client

August, 2017

Overall

Please provide a brief comment about your experience with Kevin

Kevin responded within a few hours, explaining that he was away for a couple of days and gave me the option of dealing with a colleague which I did. Colleague rang on Kevin's behalf that afternoon and was quick to understand our situation. Was able to give an extremely fair price for the work required, has kept us informed and is fast to act. I couldn't ask for more!

Kevin's reply

Thank you for your positive feedback Denise. I'll be working jointly with Mike on your behalf as he dealt with your initial enquiry in my absence. Thank you for choosing ECFS.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I wanted guidance regarding my pension and investments.

How has Kevin Bray helped you?

He gave me and my wife sound advice regarding our investments and highlighted various opportunities for an enhanced income stream. He also advised me regarding utilising tax-free cash from my pension to invest for my grandchildren and he also advises me on inheritance tax planning. His advice is always concisely presented and he will explain any areas I don't fully understand.

Have you seen the outcome you were hoping for?

Yes, we are very happy with the outcome of Kevin's advice.

What could they have done better?

I can't think of any area in our discussions upon which Kevin could have improved.

First impression from a user who is not yet a client

June, 2017

Overall

Please provide a brief comment about your experience with Kevin

Kevin was quick to respond and very clear, professional and helpful. I would definitely recommend him and his company to friends, family and colleagues in the future.

Kevin's reply

Thanks for taking the time & trouble to leave this review - you know where I am if you need me in future.

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I was offered early retirement and needed to understand all the options open to me to protect my pension investments and to understand how to realistically plan a future.

How has Kevin Bray helped you?

Kevin took great pains to understand my financial situation, my knowledge of the options open to me and my attitude to investment and risk. He analysed and advised on the pension top up options available to me, the best options for my existing pensions and ensured I clearly understood the nature of investments I had and those he was recommending.

Have you seen the outcome you were hoping for?

The outcome was very specific and helpful in that I now have a clear plan for my future financial situation. By following his advice I have effectively covered the cost of Kevin's expertise. I have already recommended Kevin to friends.

Kevin's reply

Thank you Steve. I'm pleased to have been such a help to you. See you & Helen at review time.

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Kevin

Lots of ideas in initial 1 hour free chat. Very clear about charges and discussed cheapest way to progress given size of pot up for consideration. Only reason this is marked "maybe" rather than "yes" is that I'm waiting to hear from others I have contacted with the same request.

Kevin's reply

Thank you Karen, I hope to be of further assistance.

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Kevin

Kevin gave the professional advice I needed and I wouldn't hesitate in recommending him to a friend or colleague

Kevin's reply

Thank you John. Best of luck with your future plans.

First impression from a user who is not yet a client

January, 2017

Overall

Please provide a brief comment about your experience with Kevin

Kevin gave the professional advice I needed and I wouldn't hesitate in recommending him to a friend or colleague

First impression from a user who is not yet a client

February, 2016

Overall

Please provide a brief comment about your experience with Kevin

Kevin contacted me promptly, and very soon conducted a detailed telephone interview. He said he would provide me a basic financial plan within about a week. That was on 27th January. I'm still waiting. It's the 17th February. On 5th February I sent him an e-mail asking when to expect his report, and he answered that he would be working on it on the following Monday, that is the 8th February. This not the level of service which I hoped for, and if it is indicative of the way he treats his clients, he will not win my business.

Kevin's reply

This is honest client feedback. I supported Vouchedfor in a campaign to provide free financial plans. I was swamped by the demand. I have apologised and provided a more comprehensive plan than I was obliged to without fee.

First impression from a user who is not yet a client

October, 2015

Overall

Please provide a brief comment about your experience with Kevin

He responded extremely quickly and followed up with a phone call that same day. I was very impressed. He was honest about charges and gave advice based on my current circumstances and outlined what my priorities should be in his opinion. It was exactly what I needed and I will definitely be coming back to him to sort out our pensions in the future.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Investing a retirement lump sum.

How has Kevin Bray helped you?

Provided advice, options and information on a range of investments.

Have you seen the outcome you were hoping for?

Too early to say.

What could they have done better?

Nothing springs to mind

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Employer pension scheme.

How has Kevin Bray helped you?

Review personal objectives, risk appetite and fund selection.

Have you seen the outcome you were hoping for?

Yes all good.

Review from verified client

September, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Friends life told me to seek financial advice.

How has Kevin Bray helped you?

He gave good advice and information about the best place to invest.

Have you seen the outcome you were hoping for?

Pension fund just being transferred so will be a bit of time before I see the outcome.

What could they have done better?

He did as much as he could a good job

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Money to invest.

How has Kevin Bray helped you?

Invest money in a five year plan.

Have you seen the outcome you were hoping for?

have only invested last year so unable to answer that question. However if it does as well as all the other investments Kevin Bray has done for me and my late husband I should be pleased.

What could they have done better?

I have no suggestions

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Transfer if pension.

How has Kevin Bray helped you?

He was able to transfer my money into a pension.

Have you seen the outcome you were hoping for?

So far.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

The main reason was I wanted to be in control of my pension & needed someone to guide me through the process. This is because of the new government pension changes & the not understanding how & what is possible. Kevin also had a one hour session FREE to see how he could fit into my requirements. I had tried four others before settling on Kevin.

How has Kevin Bray helped you?

He basically took me through the procedure step by step, answering any questions on the way. Looked at the level of risk that would fit in with my requirements & filled in all the paperwork to achieve this goal.

Have you seen the outcome you were hoping for?

My pension was moved to the new investment company within two months of our second meeting. ( the first was the free getting to know type meeting).

What could they have done better?

Nothing really - he has been at the end of the phone when I needed help along the way. Explained what was going to happen before it happened & kept me in the loop at all times. What more could you want?

Kevin's reply

Thank You !

First impression from a user who is not yet a client

June, 2015

Overall

Please provide a brief comment about your experience with Kevin

Good meeting, clear description of service provided and costs.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

I was looking for some assistance with regard to my Pension fund

How has Kevin Bray helped you?

Kevin was able to help move my fund to one which is performing substantially better and with fees less than 50% of the previous plan.

Have you seen the outcome you were hoping for?

I am a homeowner, married for 31 years with two daughters. I have run my own Home Improvement business for 25 years. I am not quite sure as to what the second part of the question refers.

What could they have done better?

I have been very impressed with the way Kevin conducted this matter. Communication was good at all times and after the initial visit to his offices, the remainder of the business was done with Kevin visiting my home, on two occasions. His advice was clear and all my questions were answered assuredly and without hesitation. I cannot think of any criticism I could make regarding our dealings.

Kevin's reply

Thank You !

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Needed specific advice

How has Kevin Bray helped you?

Kevin Bray gave good guidance on possible options.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind

Kevin's reply

Thank You !

Review from verified client

June, 2015

Overall

Advice

Value

Service

Based in Essex

What were the circumstances that caused you to initially look for an adviser?

Advise on various pension policies

How has Kevin Bray helped you?

Prompt, unbiased sound advice. Not pushy -gave a considered opinion . Would recommend him .

Have you seen the outcome you were hoping for?

Yyes

What could they have done better?

Nothing

Kevin's reply

Thank You !

Review from verified client

May, 2015

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

This is the first time I have had any dealings with an IFA, and I have to say It was all very positive. Kevin was very helpful and professional and was able to suggest and arrange products that fully suited my requirements. As a result I am very pleased with the results, and the whole thing has been very worth while.

What could they have done better?

It all went very well, and I can honestly say I have no negatives.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

I sought Kevin's advice on investing money from an inheritance. Everything was explained very carefully and I felt confident to ask questions at any point to clarify my understanding. I was immediately put at ease and Kevin worked speedily and efficiently to put together a plan of action. I had plenty of time to look through this plan and raise any queries I might have. I feel confident that all advice given has been in my best interests. I was particularly pleased that the amount of money to be invested in no way impacted on the quality of advice given and that each customer is treated as important n their own right. I would thoroughly recommend Kevin to all those seeking financial advice.

What could they have done better?

On this occasion I really can't think of anything.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Makes sure you understands the options and the effects of the decisions you have made Will fit in with you when making appointments Friendly, patient and understanding during husband's illness

What could they have done better?

Have no comparison of level of detail

First impression from a user who is not yet a client

February, 2015

Overall

Please provide a brief comment about your experience with Kevin

Kevin is very helpful and professional.Unfortunately his company doesn't specialize in the area I am seeking information which is expatriate/ repatriation tax matters. I would certainly consult Kevin again if I needed investment advice.

First impression from a user who is not yet a client

January, 2015

Overall

Please provide a brief comment about your experience with Kevin

First impression from a user who is not yet a client

December, 2014

Overall

Please provide a brief comment about your experience with Kevin

Will await visit next year.

First impression from a user who is not yet a client

October, 2014

Overall

Please provide a brief comment about your experience with Kevin

He gave very clear and concise advice which helped me make a decision.

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin was friendly and professional. He understood my situation and offered some sound advice. I will continue my relationship with Kevin.

What could they have done better?

I can't think of anything he could do better, I'm very satisfied with his work so far.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Presents the situation clearly and ensures that we understand it fully before moving on.

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin gave me clear and helpful advice as to what my investment options were. He explained the risks and the benefits clearly and accurately summed up my attitude to risk. He was honest and straightforward, and I felt that I could completely trust him to do his best for me, as he came across as a fair and conscientious person. He also gave me a clear and realistic idea of how much I could expect in income terms from my investments. I would have no hesitation in recommending him to others.

What could they have done better?

Don't know.

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Kevin

I found my initial meeting with kevin to be of great value. Kevin was welcoming, knowledgeable, and i left the meeting with my questions answered in a way i could fully understand. I look forward to the next meeting

Review from verified client

September, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Quickly installed us with confidence to change investments following some previous poor advice from a Building Society. Very easy to speak to and explained all at a level we could understand. Responded to questions/mail promptly, usually the same day, and worked efficiently to provide informed solutions. Understood our attitude to risk and tailored a package to suit. Timely attendance of meetings and all round value for money as far as our experience of IFA`s. Will definitely use his services again.

What could they have done better?

Nothing comes to mind.

First impression from a user who is not yet a client

September, 2014

Overall

Please provide a brief comment about your experience with Kevin

Kevin went out of his way to find the answer to my question which was about pension recycling. He sent me relevant information which helped me to make a decision. I was very impressed by the time and effort he took and his knowledge of the issue

First impression from a user who is not yet a client

August, 2014

Overall

Please provide a brief comment about your experience with Kevin

Appeared very professional & knowledgeable....we may be in touch springtime of 2015.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Provided very clear pension planning guidelines. Took control of process so I did not have to worry about the administration.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

I have know Kevin for several years, he always takes the time to understand my needs, communicates well and in an easy to understand manner he also responds to any queries I may have promptly.

First impression from a user who is not yet a client

June, 2014

Overall

Please provide a brief comment about your experience with Kevin

Kevin was very clear with his advice, cutting through the jargon and explaining matters in a simple to nderstand way. He was also very clear about his charges.

Review from verified client

June, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

My late husband and myself have used Kevin Bray for the last 14-15 years. He has always advised us to the best investments with our finance. We have had some very good returns on his advise. I would recommend him to anyone, no matter how small or large you wish to invest.

What could they have done better?

I am more than happy with the service I receive from Kevin Bray

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Being a client of Edmund Carr (Chartered Accountants), I recently asked them foradvice on my investments. They put me in contact in contact with Kevin Bray of ECFS and I am absolutely delighted with the advice he has given me and he has immediately appreciated and avise me on the type of investments most suited to my circumstances. He has laid out his recommendations for me in a comprehaensive report and, at the same time keeping me informed of all charges I will encounter. I had been without an Independant Financial Adviser for over a year, but I am delighted that Kevin Bray has agreed to act for me.

What could they have done better?

It is still too soon for me, to comment regarding the above.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin has been really helpful to both my wife and I on a number of financial issues. We believe it has helped us appreciate other options allowing us to achieve goals we'd otherwise have missed. We have recommended Kevin to some friends of ours.

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Considers strategy for investment to provide for my needs, particularly a balance between additional income and capital growth. Thinks outside the box, looking for suitable alternative products.

What could they have done better?

I have no idea!

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Gives good advice which I appreciate

Review from verified client

May, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

I have known Kevin for many years & the reason I use him is because I trust him. Financial advice is a sensitive area, because you have to inform an outsider about your most intricate financial details. Kevin has never let me down & I hope we can work together for many more years.

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Takes care to understand my circumstances and attitude to risks. Explains the various products that suit my needs in detail making it easy to understand. All charges are explained clearly. Kevin gives a very professional service and I would thoroughly recommend him.

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Although I have been involved more closely with my personal finance affairs in the past 10 years with the help of IFAs, I have found that Kevin is not only a good advisor but a good listener also. By understanding the customer's wishes I believe a better tailored 'risk for reward' profile can be established. I found the level of service very personal and high level, something I have missed greatly by going to much bigger IFAs.

What could they have done better?

At this early stage, I can't really think of anything of substance.

Review from verified client

April, 2014

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin is a good communicator and explains the options clearly. He is also very professional and responsive getting back to you very quickly with any questions you have. I would certainly recommend using him especially in comparison to other IFA's I have contacted.

What could they have done better?

Although I am happy with the investment, my only comment would be that it might have been useful to show some of the alternative investments on offer, just to show that the research had been done. Normally I would expect to see three options and then an explanation as to why one is better than the other two.

First impression from a user who is not yet a client

March, 2014

Overall

Please provide a brief comment about your experience with Kevin

Kevin responded very quickly to my enquiry the next day by phone. It was very convenient setting up a meeting and we were pleased Kevin visited us at home for the meeting. He provided very clear information and was very professional. He listened intently

Review from verified client

November, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin communicates well, through email, telephone and text, making sure appointments are always mutually convenient. His advice is very sound as he listens to what you as a customer wants, and gives very constructive advice based on thorough discussions. He is professional in the way he conducts himself, and he genuinely seems to want to do what is best for you and your financial situation.

Review from verified client

October, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

I have know Kevin for 13 years in the capacity of Financial Advisor. He is extremely knowledgeable in his field. The advice I have received from him over this time has always been well researched, within my financial boundaries and to date has had successful financial outcomes. Kevin is very approachable, he is able to explain intricate financial jargon in a language that is clear and understandable. He is extremely efficient, 1x1 meetings are always followed up with a report and objectives set. He is a constant professional in his approach to his work and I trust Kevin explicitly.

Review from verified client

October, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

He has a good background in the finance industry, wide overall knowledge of financial products and is able to convey the suitability or otherwise of these products in a friendly and easy to understand way. My wife found him particularly helpful in his explanations and any queries were easily answered.

Review from verified client

September, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin took the time to understand our current approach to financial matters and then to explain the various options available to us. He is someone we feel we can trust when deciding our future financial management and we would have no hesitation in recommending Kevin to anyone wanting financial advice.

What could they have done better?

.We can think of nothing to add

Review from verified client

September, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

everything

Review from verified client

August, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin was particularly good at explaining in great detail what our options were and led us through a financial minefield. With his expert advice we would not have been able to sort out our pensions which exceeded our expectations and gave us peace of mind for our future retirement.

What could they have done better?

Kevin fulfilled all our requirements and at this point in time we feel that we are unable to criticize the work he did on our behalf.

Review from verified client

August, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Explain in easy to understand language

What could they have done better?

No idea as he does his job very well

First impression from a user who is not yet a client

July, 2013

Overall

Please provide a brief comment about your experience with Kevin

Review from verified client

May, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin understands and provides the best products for my needs and always explains everything thoroughly.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Kevin Bray has provided an excellent and very professional service. He has thoroughly understood my financial situation and his reccommendations have been well-matched to my needs. I find him to be a very good communicator and he always makes sure that I have understood the degree of risk, fees and charges and product terms and conditions. Financial reports are promptly produced and reviews regularly offered.

What could they have done better?

Develop the use of on-line access to portfolio and product information.

Review from verified client

April, 2013

Overall

Advice

Service

Value

Based in Essex

How has Kevin Bray helped you?

Responds promptly to any request for advice. Advice clearly explained, down to earth, easy to follow. Always outlines costs as well as benefits. Professional approach at every contact.

What could they have done better?

Completely satisfied with the current level of advice.