Retirement advice...

Adding significant value through our expert knowledge of the market...

Strategic investment planning

Constructing investment plans to meet our clients’ objectives...

Insurance: Personal, family & business

A cost effective way to manage and protect against risk...

Business...

Key protection against the risk of financial consequences to your business

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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.

Learn more…

Investments

We construct investment plans to meet our clients’ objectives and agreed appetite for risk.

About investments…

Business

We can help you in determining how a business will afford to achieve its strategic goals and objectives.

Find out how…

Protection

Personal, family & business insurance explained clearly and concisely so that you can make informed choices.

Find out more…

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.

 

Download our latest FREE NEWSLETTER

 

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.

Help take control of your future - The benefits of Power of Attorney
A serious accident or an illness that requires a lengthy stay in hospital, even intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.
#torbayfinancialservices
#lpa
#futureproofing
#keepingitlocal
#financialadvice
...

Help take  control of your future - The benefits of Power of Attorney
A serious accident or an illness that requires a lengthy stay in hospital, even intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.
#torbayfinancialservices
#lpa
#futureproofing
#keepingitlocal
#financialadvice

HELP TAKE CONTROL OF YOUR FUTURE –
THE BENEFITS OF POWER OF ATTORNEY

A serious accident or an illness that requires a lengthy stay in hospital, even in intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.

In situations where you are at their most vulnerable it is important to understand what can be done in advance of these situations because you may not have the capacity to deal with your personal affairs. In more serious cases you may not be able to make decisions regarding medical treatment yourself.

It is helpful to be aware of the benefits of a Lasting Power of Attorney (LPA), which allows individuals to manage their approach to handing control to friends, family or a professional attorney. The LPA allows an individual to appoint an attorney to make certain decisions on their behalf in specific circumstances and gives them the option to specify when they wish to grant that control.
There are two different types of LPA: property and affairs, and personal welfare.
...

HELP TAKE CONTROL OF YOUR FUTURE –
THE BENEFITS OF POWER OF ATTORNEY

A serious accident or an illness that requires a lengthy stay in hospital, even in intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.

In situations where you are at their most vulnerable it is important to understand what can be done in advance of these situations because you may not have the capacity to deal with your personal affairs.  In more serious cases you may not be able to make decisions regarding medical treatment yourself.

 It is helpful to be aware of the benefits of a Lasting Power of Attorney (LPA), which allows individuals to manage their approach to handing control to friends, family or a professional attorney.  The LPA allows an individual to appoint an attorney to make certain decisions on their behalf in specific circumstances and gives them the option to specify when they wish to grant that control.
There are two different types of LPA: property and affairs, and personal welfare.

We will be here to answer those burning questions 🔥

So introducing Question of the Week.

HOW MUCH PER ANNUM DO RETIRED PEOPLE NEED?

According to Which?Money research (2018) by Paul Davies the average annual spend for a retired couple is ......................

£26,000

That is for a couple enjoying a 'comfortable' retirement. This covers all the basic areas of expenditure and some luxuries, such as European holidays, hobbies and eating out. Aiming for this level of income will provide a good platform for your retirement.
...

DO YOU KNOW A MILLENNIAL?
Then get the conversation going, talk to them about their future 🔮, what they feel? In years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer today's questions for all their tomorrow's

#torbayfinancialservices
#babbacombestyle
#millennial
#startyourfuture
...

DO YOU KNOW A MILLENNIAL?
Then get the conversation going, talk to them about their future 🔮, what they feel? In years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer todays questions for all their tomorrows

#torbayfinancialservices
#babbacombestyle
#millennial
#startyourfuture

DO YOU KNOW A MILLENNIAL? BORN BETWEEN 1980 AND THE TURN OF THE MILLENNIUM? Then get the conversation going, talk to them about their future, what they feel? in years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer today's questions for all their tomorrows.

Millennials face considerably greater challenges than their parents when it comes to providing for their retirement. But this group, which comprises those born between 1980 and the turn of the millennium, are not being told about the
scale of the savings mountain they must climb.

About the Research
The Generation Lost research was delivered
in three stages.

– A 30-question survey was published
online and open for responses between
July – September 2015. Over 1200
Millennials responded from the UK,
USA, Japan, Australia, Brazil and the
Netherlands.

– Interviews were carried out with a
number of Millennials from each of the
6 countries via telephone or video call.
Their reflections on the survey findings
are included in this report.

– A number of finance professionals and
academics from around the world were
invited to reflect on the survey results
and to consider their views on the future
direction of the insurance industry.

www.bnymellon.com/_global-assets/pdf/our-thinking/generation-lost.pdf
...

DO YOU KNOW A MILLENNIAL? BORN BETWEEN 1980 AND THE TURN OF THE MILLENNIUM? Then get the conversation going, talk to them about their future, what they feel? in years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer todays questions for all their tomorrows.

Millennials face considerably greater challenges than their parents when it comes to providing for their retirement. But this group, which comprises those born between 1980 and the turn of the millennium, are not being told about the
scale of the savings mountain they must climb.

About the Research
The Generation Lost research was delivered
in three stages.

–  A 30-question survey was published
online and open for responses between
July – September 2015. Over 1200
Millennials responded from the UK,
USA, Japan, Australia, Brazil and the
Netherlands.

–  Interviews were carried out with a
number of Millennials from each of the
6 countries via telephone or video call.
Their reflections on the survey findings
are included in this report.

–  A number of finance professionals and
academics from around the world were
invited to reflect on the survey results
and to consider their views on the future
direction of the insurance industry. 

https://www.bnymellon.com/_global-assets/pdf/our-thinking/generation-lost.pdfImage attachmentImage attachment
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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)

66 Fore Street
St Marychurch, Torquay
Devon TQ1 4LX

e: PaulGinley@thinkpositive.co.uk
t: 01803 411460   m: 07891 614559

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Neither Torbay Financial Services nor Positive Solutions (Financial Services) Limited is responsible for the accuracy of the information contained within the linked site.

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