• Four Stages Finance

  • Mortgages - The start of the journey.

  • Investments – Putting in the work now for rewards later.

  • Protection & further investments – Watching things grow.

  • Retirement Planning – Watching your hard work pay off.

Client Testimonials

  • I was recommended to Spencer Cole by a friend when I was looking for someone to help me select funds for pension investments. I specifically did not want someone who operated on commission but could advise me and I found Spencer responsive and helpful, he was willing to come and see me at home and always responds to emails and phone messages promptly, a surprisingly hard quality to find! He is knowledgeable and full of helpful advice but does not hard sell which is also exactly what I was looking for. He has found my investments which are not only on a cheap platform but thus far have been gainful as well. I

    Client Will Scott
  • I contacted Stuart as we recently had our first child and wanted some advice on life & critical illness insurance. We wanted to know more about the options available to us and which was the most comprehensive cover available to us.

    Within a couple days, we had our life & critical illness insurance sorted. Our cover was so much more comprehensive than our previous cover for only a few pounds extra per month. The service provided was quick, reliable, and enabled us to relax that our life and the life of our little girl was covered.

    Anyone looking to update their policies, make a change, or just get sound advice should

    Client David Richards
  • Professional, experienced advisers who take pride in looking after their clients.

    Client Claire Taylor
  • Spencer and Simon helped us from start to finish to find our dream home and all the bits and bobs that come with that. Nothing was too much trouble for them and I would highly recommend.

    Client Louise Ahmed
  • Fantastic service would highly recommend.

    Client Malcom Ross

Contact Us

Give us a call or drop us a message!

Four Stages Finance Ltd


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:

Quilter Financial Planning Complaints Department

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:


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