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

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

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

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Contact Us

For more information, advice or to get in touch please use our contact form below or the phone or email details on this page.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Torbay Financial Services
66 Fore Street
St Marychurch, Torquay
Devon TQ1 4LX


Paul Ginley

e: paul@torbayfinancialservices.co.uk
t: 01803 411460
m: 07891 614559


Jacqui Ginley – Office Manager

e: jacqui@torbayfinancialservices.co.uk
t: 01803 411460
m: 07538 457348

Thursday Thoughts 💭

We are always pleased and honoured to receive testimonials from our clients 😀

#thursdaythoughts
#throwbackthursday
#thankfulthursday
#thankyou
#keepingitlocal
#familybusiness
#financialadvice
#feedback
#thursday
#thursdaytip
#torbaybusiness
#torbay
#torbaylife
#financialadvice
#testimonial
...

Thursday Thoughts 💭

We are always pleased and honoured to receive testimonials from our clients  😀

#thursdaythoughts
#throwbackthursday
#thankfulthursday
#thankyou
#keepingitlocal
#familybusiness
#financialadvice
#feedback
#thursday
#thursdaytip
#torbaybusiness
#torbay
#torbaylife
#financialadvice
#testimonial

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/

#retirement
#financialadvice
#tax
#taxefficient
#standardlife
#wednesdaywisdom
#toptips
#keepingitlocal
#boosttorbay
#stmarychurchtorquay
#torbay
#familybusiness
#wearehereforyou
#free
...

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/

#retirement
#financialadvice
#tax
#taxefficient
#standardlife
#wednesdaywisdom
#toptips
#keepingitlocal
#boosttorbay
#stmarychurchtorquay
#torbay
#familybusiness
#wearehereforyou
#free

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

#pension
#pensionadvice
#financialfreedom
#finance
#financialplanning
#tax
#taxes
#keepingitlocal
#stmarychurchtorquay
#babbacombestyle
#torbaybusiness
#torbayhour
#torbaybusinessnetwork
#torbaylife
#boosttorbay
#retirement
#retirementplanning
#retirementplan
#retirementgoals
#holiday
...

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, its suitable to access your pension savings please give us a call.
Paul (adviser) ☎️ 07891 614559 
                              💻 paul@torbayfinancialservices.co.uk  

#pension
#pensionadvice
#financialfreedom
#finance
#financialplanning
#tax
#taxes
#keepingitlocal
#stmarychurchtorquay
#babbacombestyle
#torbaybusiness
#torbayhour
#torbaybusinessnetwork
#torbaylife
#boosttorbay
#retirement
#retirementplanning
#retirementplan
#retirementgoals
#holiday

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/
...

Dont 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   
🌐 https://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

#sundayvibes
#supersunday
#weeekendvibes
#walking
#staysafe
#keepwarm
#frost
#wellbeing
...

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 

#sundayvibes
#supersunday
#weeekendvibes
#walking
#staysafe
#keepwarm
#frost
#wellbeing
Load more

If you are unhappy with our service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Contact the Complaints team
Quilter Financial Planning
Riverside House
The Waterfront
Newcastle upon Tyne
NE15 8NY

Email: QFPcomplaints@quilter.com
Tel: 0191 241 0700

You can find more information by visiting the Quilter Financial Planning website:
quilterfinancialplanning.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service:
(financial-ombudsman.org.uk)

66 Fore Street
St Marychurch, Torquay
Devon TQ1 4LX

e: paul@torbayfinancialservices.co.uk
t: 01803 411460   m: 07891 614559

By clicking on links from this site you are departing from the regulatory site of Torbay Financial Services.

Neither Torbay Financial Services nor Quilter Financial Planning Solutions Limited is responsible for the accuracy of the information contained within the linked site.

COOKIE POLICY  ·  PRIVACY POLICY