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.
In this week's edition of Between the Lines
* The $1 trillion staycation
*Tesla and Apple split the difference
*Zooming away
Between the lines week 36 - September 2020 | Quilter Investors
quilterinvestors.com
Read about the $1 trillion staycation, how Tesla and Apple split the difference and Zoom’s bumper annual revenue forecast.Quilter Cheviot Weekly Comment:
The end of Abenomics?
According to The Financial Times (November 2019) Abenomics was based around the idea of “three arrows”: higher spending from the government, loose monetary policy from the Bank of Japan and a package of structural reforms to raise the long-run growth rate of the economy. The goal was to rescue the country from two decades of near stagnation and permanent deflation. Monetary and fiscal stimulus, launched when Mr Abe became prime minister, appeared to work quickly. Growth has been steady, if unspectacular.
Weekly comment: The end of Abenomics?
quiltercheviot.com
Join our experts Nick Wood, Richard Mitchell and Richard Carter in the Weekly Comment podcast.GIFTING AND INHERITANCE TAX PLANNING
Gifting to adult children
Although the older generation are likely to suffer greater wealth losses during any recession, it’s the younger generation who’re most likely to be hardest hit because they don’t have the same wealth cushion. Research has found over two thirds of millennials have seen their incomes reduce during the pandemic.
If you are looking to support your children during this time, it’s worth discussing the best and most tax efficient way to do so.
If you have seen your children(s) incomes reduce during lockdown, you may want to consider helping them financially. There are many ways they can do this. If you have an IHT liability, you can make use of some of your exemptions such as making gifts from normal expenditure out of income. In order to do this, three conditions must apply:
* It forms part of the individual’s (Settlor’s) normal expenditure.
* It was made out of their income.
* It doesn’t reduce their standard of living.
For more advice please read the article below or call Paul our Adviser on 07891 614559
How can I reduce my inheritance tax bill? | There for you
thereforyou.quilter.com
The Government’s 40% levy on estates of the deceased may seem inevitable or even inescapable, but here are six ways you could cut or mitigate it.It was a pleasure attending the Heart of Torbay CIC workshop @heartoftorbaycic on Mental Wellbeing yesterday. Special thanks to Sharon, Tim and Peta for their expertise on what mental health means to me, my family and our employees. Plus supporting mental wellness with therapeutic essential oils. @empoweringlifewithoils
Also offering a large range of mental health and consultancy training services for your MHFAider and workplace is Mindmaps Wellbeing Ltd.
#heartoftorbaycic
#mindmapswellbeingltd
#petafeist
#outstandingcareawards2020
#empoweringlifewithoils
#keepingitlocal
#torbaycouncil
Another Ella's coffee loyalty card filled. 😃
Enjoying the sun and the view and the coffee
@ellasmobilecafe
@rowcrofthospice
☕🌞☕🌞☕🌞☕🌞☕🌞
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About Our Ongoing Services Brochure
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