• 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

  • 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

  • I had no experience in purchasing property, and I was quite daunted by the thought of going through the whole process, . . . . In my meetings with [my adviser], we discussed mortgage options together . . . . [My adviser] avoided using baffling jargon, so I always felt part of the process. I liked how friendly and approachable [my adviser] was, and as a first-time buyer it is reassuring to have someone ‘on your side’ through it all.

    Client Mr S (first time buyer)

  • We have been using Four Stages Finance services since 2013 so we did not hesitate to contact them when we needed to remortgage. It was our first time working with our adviser and after listening to our needs he quickly found a mortgage suitable for us. Our adviser was extremely helpful and knowledgeable and provided a stress free, painless process throughout.

    Client Mr B (remortgage)

  • I contacted my adviser as we recently had our first child and wanted some advice on life & critical illness insurance. Within a couple of 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 family were protected.

    Client Mr R (protecting my family)

  • We cannot believe the hard work, time, and dedication our adviser gave us.  He made us feel we had known him for years and we were his only clients. Our adviser also included in his service life insurance for both my husband and mother, and also insurance for my husband if out of work, which neither of them had before. With all the hard work, man hours, and commitment, the bill was very very reasonable for all he has done for us. Plus, we feel as if we’ve also gained a friendship.

    Client Mr W & Mrs W (protecting my income)

  • My adviser has continued to deliver an excellent service supported by the FSF office members, who ensure any updates or changes discussed are correctly, promptly and professionally actioned and communicated. The service and advice I have received over the years has always been clearly explained and discussed.  In my opinion, sound financial advice is critical for anyone planning long term financial needs and requirements and I am very satisfied with the service received to date.

    Client Mrs B (growing my wealth)

  • Prior to meeting our adviser, my husband and I had inherited some money. Our adviser was very good and was able to sort everything out for us. Our adviser was very good at putting us at ease and meeting with her gave us a lot of confidence. She was warm and caring, and we felt we could trust her. We didn’t know what was safe when it came to money but our trust in our adviser has really made us feel secure.

    Client Mrs R (inheritance planning)

  • The assistance I received from your adviser was reassuring at the critical time of transferring our pensions / ISAs in a drawdown format. All the questions I had set out were answered professionally and gave me the confidence to move forward.

    Client Mr D (planning for retirement)

  • We had got ourselves in a lot of debt and could not see a way out until this professional walked into our home. His mannerisms, and dedication to us was something we had never encountered before. We explained all our debt and with different options available we left it all with our adviser to sort. With our adviser’s hard work and commitment to a very difficult case, he succeeded in clearing all our debts. All we can say is ‘THANK YOU’ and you will never know how much you have improved our lives.

    Client Mr W & Mrs W (debt consolidation)

PROUD SUPPORTERS OF

About Us

Find out more about our experienced team members.

Spencer Cole

Owner and Wealth Financial Planner

Spencer has over 15 years of experience in financial services.

He specializes in advising on defined benefit occupational pensions, estate planning and covers all Wealth products.

Residing in Bristol with his wife and three children, Spencer is also a dedicated Liverpool FC fan and recently had the pleasure of meeting his hero, John Barnes.

Estate Planning is not regulated by the Financial Conduct Authority.

Spencer Cole, Financial Adviser in Teignmouth - Read Client Reviews (vouchedfor.co.uk)

Tammy Page

Operations and Strategy Manager

Tammy works on developing and growing the Four Stages Finance business.

She resides in Kenton with her husband and black lab. Tammy is a sports enthusiast (of the watching kind) and enjoys adrenaline-pumping activities, having bungee jumped and skydived in the past. She is now considering wing walking as her next challenge. 

Lauren Farkins

Administration Support Manager

Lauren manages both our wealth and mortgage support teams, she is diploma qualified and provides technical support for our wealth advisers.

She lives in Torquay with her husband, three children and pet dog.

Lauren is passionate about fitness and travel and enjoys spending time with family and friends in her spare time.

Paul Ham

Wealth Financial Planner

With over 30 years of experience in financial services, Paul joined Four Stages Finance in 2017.

He works closely with our clients, providing regular reviews and servicing, while also addressing new requests.

Paul lives in Exminster with his wife and son and is an avid quizzer, with his team reaching the finals of the National Pub Quiz of the Year for the past three years.

 

Julie Eva

Julie has over 20 years of experience in financial services, initially starting within the banking environment.

She became a mortgage adviser in 2001 and a wealth adviser in 2003. Julie manages both new and existing clients and is a member of the local BNI.

She resides in Torquay and enjoys socializing, reading, and baking in her spare time.

David Saxton

Wealth Financial Planner

Dave graduated from the adviser school at Quilter in 2020.

He holds a degree in Business Management from Kingston University and has a passion for finance.

In his leisure time, Dave enjoys participating in and watching sports, attending music festivals, and exploring new places.

Louise Lythgoe

Senior Wealth Administrator

Louise assists the wealth team with administration of new business cases as well as supporting the team to ensure our existing clients are supported.

She lives in Ipplepen with her two daughters. Louise's daughters both play badminton for Devon and we are very proud to support Devon County Junior Badminton.

Saskia Rogers

Servicing Team Leader

Saskia supports the wealth team by managing the servicing needs of our existing clients and assisting with the administration of new cases.

She resides in Ogwell with her daughter. In her limited spare time, she enjoys baking and reading.

Jennie Musk

Administrator

Jennie is part of our wealth team, focused on supporting our existing clients.

She lives in Torquay with her husband and son and has two grown-up stepsons.

Jennie also has a Cavachon dog named Dexter. She enjoys traveling, spending time with friends and family, and reading, preferably on a tropical beach.

Rob Page

Mortgage & Protection Planner

Rob boasts over 20 years of experience in the financial services industry, before joined Four Stages Finance in 2017.

He has chosen to specialize in mortgages and protection since 2016.

Rob lives in Kenton with his wife and enjoys managing a local football team. He is also an active runner, having completed three marathons, including London and Berlin.

Kellie Rowe

Administrator

Kellie collaborates with our mortgage and protection advisers, providing support in processing new business cases.

She lives in Torquay with her son. Outside of work, Kellie enjoys traveling, with her favourite stay being in an eco-village in Tasmania.

Sarah Page

Administrator

Sarah supports our mortgage and protection advisers, focusing on serving our mortgage and protection clients.

She lives in Starcross and is a dedicated AFC Bournemouth supporter. 

Company address: Four Stages Finance Ltd, 4 Regent Street, Teignmouth, Devon, TQ14 8SW
T: 01626 771199 Email: info@fourstagesfinance.co.uk

 

Four Stages Finance Ltd is an appointed representative of Quilter Financial Planning Solutions Limited which is authorised and regulated by the Financial Conduct Authority.

 

Four Stages Finance Limited is registered in England and Wales, Company No: 07306487. Registered Address: 4 Regent Street, Teignmouth, Devon, TQ14 8SW

 

The guidance and/or information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.

Approver Quilter Financial Planning Solutions Limited 10/03/2025.

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