• 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

About Us

Find out more about our experienced team members.

Spencer Cole

Owner and Wealth Financial Planner

Spencer has been in financial services for 15 years and co-owns Four Stages Finance.

Spencer covers all Wealth products and can advise on defined benefit occupational pensions.
Spencer lives in Bristol with his wife and three children.

With his spare time Spencer follows Liverpool FC and he recently met his hero John Barnes and even managed to join in with the famous rap!

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

Simon Cole

Owner and Wealth Financial Planner

Simon has been in financial services for 15 years, working his way from a cashier at a high street bank to a fully qualified financial planner and business owner of Four Stages.

Simon is a full financial planner and deals with pensions and investments as well as mortgages and protection

Simon has a wife and two small children and lives in Teigngrace. Simon is a passionate Aston Villa fan and a black belt in taekwondo.

Paul Ham

Wealth Financial Planner

Paul has over 30 years’ experience in financial services, he joined Four Stages in 2017 and works closely with our existing clients to provide the regular review and servicing they require as well as looking at new requests.

Paul is married with a teenage son and lives in Exminster.

Paul is an avid quizzer; his team has made it through to the finals of the National Pub Quiz of the year for the last three years.


Julie Eva

Julie has over 20 years in financial services, starting within the banking environment. Julie became a mortgage adviser in 2001 and a wealth adviser in 2003.

Julie looks after new and existing clients and is a member of the local BNI.

Julie lives in Torquay and in her spare time enjoys socialising, reading and baking

David Saxton

Wealth Financial Planner

Dave is a newly qualified Adviser having passed through the adviser school at Quilter in 2020.

Dave graduated from Kingston university with a degree in Business Management and decided to pursue a career in finance as this was where his passion lay.

In his spare time Dave enjoys participating and watching all things sports, attending music festivals and seeing the world.

Stuart Ash

Mortgage & Protection Adviser

Stuart has been a member of Four Stages team since 2019 and provides Mortgage & Protection Advice to clients. Throughout this time he has developed his knowledge in residential, buy to let and holiday let mortgage products.

Prior to joining Four Stages, Stuart was a Teacher in the UK and Australia. He currently lives in Plymouth with his wife and two children.

Stuart is an avid Aston Villa fan and enjoys all things sports!

Rob Page

Mortgage & Protection Planner

Rob has 20 years’ experience within the financial services industry; he has worked with Four Stages Finance for the last 2 years. Having always been very active in the mortgage and protection marketplace in 2016 he chose to specialise solely in this area.

Rob is married with two teenage children and lives in Kenton.

Rob loves sports; he is a Middlesbrough FC supporter and manages a local football team, The Starcross Generals. He also enjoys running and has completed 3 marathons including London and Berlin.

Paul Beckett

Mortgage & Protection Adviser

Paul started his financial services career back in 1995, having taken redundancy from British Gas.

His first position was as a Sales Representative with Pearl Assurance and within 18 months was promoted to the position of Training & Compliance Manager.

Following the demise of the Pearl, Paul became an Independent Financial Adviser with a local company, specialising in mortgages.

On a personal note, Paul is married to Sue and has four children and six grandchildren that keeps both him and Sue very busy and very poor! Paul and Sue like their holidays, especially to Nerja in Spain.

Lauren Farkins


Lauren supports our Wealth advisers with new business queries.
She lives in Torquay and has recently got married. She has three small children.
Lauren loves fitness and travel – hobbies she hopes to pick up once the children are a little older.

Matt Maddock


Matt supports the Wealth team with new business queries and research.

He recently got married in Costa Rica. He and his wife currently live in Heathfield.

Matt and his wife enjoy vlogging as they explore different areas of the UK. They love to sing together too.

Richard Darcy

Strategy Projects

Richard works to support the business in the strategy team.

Richard is a former teacher, who lives in Newton Abbot with his wife and his dog, Juno.

In his free time, Richard enjoys watching and participating in sports. He is particularly passionate about rowing and football, and is an ardent Chelsea FC fan. Richard is also a keen amateur runner and is a member of a local running club.

Louise Lythgoe


Louise supports the wealth team by dealing with the servicing needs of our existing clients and helping with the administration for new cases for our clients.
Louise lives in Ipplepen with her Partner and two young daughters.
Louise’s daughters both play badminton for Devon, so most of Louise’s spare time is taken up with training or tournaments!

Saskia Rogers


Saskia supports our advisers with servicing reviews and pre business queries.

She lives in Ogwell with her baby daughter.

In the limited spare time a baby allows she enjoys baking and reading

Jennie Musk


Jennie is a member of our wealth team focused on supporting our existing clients. She lives with her husband and teenage son in Torquay. She also have two grown up stepsons and the other baby in her life is her Cavachon dog called Dexter.

Jennie loves travelling and spending time with friends and family. She enjoys reading preferably sat on a tropical beach some-where!

Kellie Rowe


Kellie works closely with our Mortgage and Protection advisers, providing support in processing the new business cases.

Kellie has recently bought her first home in Torquay.

Outside of work Kellie enjoys travelling, her favorite stay being in an eco-village in Tasmania.

Sarah Page


Sarah supports our Mortgage and Protection advisers, focusing on the serving of our mortgage and protection clients.

Sarah and her teenage children live in Starcross.

Sarah is an ardent AFC Bournemouth supporter.

Tammy Page

Strategy Development Manager

Tammy works to develop and grow the Four Stages business. She lives in Kenton with her husband and black lab puppy.

Tammy is a big sports fan and a bit of an adrenaline junkie having previously bungee jumped and sky dived. She thinks wing walking might be her next challenge!