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 FCA 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.
Please read our latest online Essentially Wealth Magazine with articles and information on:
💡 Global economy faces recovery challenge
💡 2020/21 - Know your numbers - tax allowances &
exemptions
💡 COVID19 - the ultimate financial stress test?
and more.....
www.yumpu.com/en/document/read/63747252/quilter-fp-essentially-mag-q3-2020-wealth
Quilter FP Essentially Mag_Q3 2020_Wealth
yumpu.com
Essentially Wealth Global economy faces recovery challenge 2020/21 – Know your numbersThe sentiment that “in this world nothing can be said to be certain, except death and taxes” is most often attributed to Benjamin Franklin. If so, then inheritance tax (IHT), the levy paid by those who inherit your estate upon your death, merits a place on the list of certainties. But it is possible to reduce or mitigate IHT with some astute planning. Here’s how…
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.In this week's edition of Between The Lines you will find articles including:
* WTO points to 'silver lining' amid steepest trade fall in
history
* Losing Face(book)
* Quilter Market Explainer: Imagining the 'new normal'
www.quilterinvestors.com/globalassets/quilter-investors/news-and-views/between-the-lines/july-202...
Market overview– Alan McIntosh, Chief Investment Strategist
Read the latest market overview from Quilter Cheviot Investment Management
Weekly comment: Headlines positive, details mixed
quiltercheviot.com
Investors were surprised on Friday by strong US jobs figures, although the unemployment rate remains very high overall. With markets potentially looking at a faster return from lockdown than previously reckoned, where does this leave investors? Join Chris Beckett, David Henry and Ernst Knacke to fin...Working on your behalf
We here at Torbay Financial Services continue to monitor and manage your investments in challenging times.
We continue to conduct annual reviews of your investments either by telephone or zoom video link. Our office is also open from 10.00 am until 2.00 pm Monday to Friday for a face to face meeting should you prefer. All covid cleaning and sanitising protocols are in place as well as a large and substantial safety screen.
Existing clients are more than welcome to call any time they wish to chat about their investments and pensions. Through regular communication between you and the adviser you benefit from peace of mind that comes from knowing there's always someone looking out for you.
And for those new clients who wish to protect their current investments and pensions we can look at these and advise accordingly. Ensuring you are not taking more investment risk than you are comfortable with.
Call us today - we look forward to hearing from you 😃
☎️ Paul the Adviser - 07891 614559
💻 paul@torbayfinancialservices.co.uk
Guide to Our Services Brochure
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(Adobe PDF)
About Our Ongoing Services Brochure
Download our About Our Ongoing Servcies brochure
(Adobe PDF)
