Adding significant value through our expert knowledge of the market...
Constructing investment plans to meet our clients’ objectives...
A cost effective way to manage and protect against risk...
Key protection against the risk of financial consequences to your business
Welcome to Torbay Financial Services
We are passionate about helping people organise their financial affairs to achieve the best possible outcomes, distributing their income and savings in the most efficient way so that their financial goals are met while allowing them to get on with living!
The value of pensions and investments can fall as well as rise, you may get back less than you invested.
Retirement
At Torbay Financial Services, we construct investment plans to meet our clients’ objectives and agreed appetite for risk.
We provide retirement advice to private individuals as part of their comprehensive financial planning. Our experience has shown that we can add significant value through our knowledge of the market.
This section covers our investment planning strategies.
Investments
We construct investment plans to meet our clients’ objectives and agreed appetite for risk.
Business
We can help you in determining how a business will afford to achieve its strategic goals and objectives.
Protection
Personal, family & business insurance explained clearly and concisely so that you can make informed choices.
Based in TORBAY, our mission is to help our clients make more of their financial planning, by providing first rate advice in the areas of investments, pensions, wealth management, mortgage finance, insurance, protection and tax.
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We firmly believe in empowering our clients so that they not only understand and are comfortable with the plans we set up, but really engage and interact with the planning process to get as much out of our service as possible. We always do everything we can to ensure our advice is straightforward and exceeds expectations.
*The value of pension and investments can fall as well as rise. You may get back less than you invested.
*The Financial Conduct Authority do not regulate tax planning and auto enrolment
Our clients see us as the first port of call whenever they have a money related question or query. If we are unable to advise directly, then we have an established network of professionals in accountancy and law whom we are able to bring in to complement our proposition.
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We are always pleased and honoured to receive testimonials from our clients 😀
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Put a spring in your step – make the most of tax relief
Saving into a pension is one of the most tax-efficient ways you can save. But it’s something many of us don’t know much about.
Standard Life carried out research last year and 40% of people said "they weren’t aware of it,” says David Downie, pension tax expert at Standard Life.
It means that every £100 contribution into your pension pot costs you just £80 if you’re a basic-rate taxpayer paying 20% tax.
For a free informal chat and more information about this please give Paul our adviser a call.
🌐https://torbayfinancialservices.co.uk/retirement/
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TAKING A QUARTER OF YOUR PENSION SAVINGS TAX FREE
A lot of people know that they can access some of their pension money without paying tax but perhaps aren’t sure how it works.
When you access your pension savings, you can normally take a quarter – 25% – tax free. If you have a modern, flexible pension plan, when you take this is up to you. You can take it all at once. But you don’t have to.
You can take it in slices over a number of years if the pension plan you have lets you. This is known as phasing, and could be a smart move as it tends to be more tax efficient overall.
And, of course, just because you can, doesn’t mean you should take all – or any of it. The longer your money stays untouched inside your pension plan, the more potential it has to grow in a tax-efficient way and the higher your tax-free amount could be. Of course, that’s not guaranteed and because money in your pension is invested, its value can go down as well as up and could be worth less than what’s been paid in.
For advice on how, and if, it's suitable to access your pension savings please give us a call.
Paul (adviser) ☎️ 07891 614559
💻 paul@torbayfinancialservices.co.uk
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Don't pay more tax then you need to....
⭐ISAS – Don’t miss out on tax savings
⭐Use your annual ISA allowance
⭐Check your existing cash ISA holdings
⭐Consider junior ISAs (JISA)
⭐Maximise your pension contributions
⭐Don’t forget IHT and capital gains tax
⭐Act now!
Call or email us for more information and advice.
📱Paul ~ 07891 614559
💻 paul@torbayfinancialservices.co.uk
🌐 torbayfinancialservices.co.uk/
The ground may have been a little frosty over the last week or two..... but we never are 😀
For friendly, informal and expert advice on all financial matters we are here to help and guide.
Wishing you all a super Sunday ❄️ keep safe ~ keep warm
Paul and Jacqui
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Guide to Our Services Brochure
Download our Guide to Our Services brochure
(Adobe PDF)
About Our Ongoing Services Brochure
Download our About Our Ongoing Servcies brochure
(Adobe PDF)
