• 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 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 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)

Paul Ham

Wealth Financial Planner

Paul has over 30 years’ experience in financial services, he joined Four Stages Finance 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.

 

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 Finance.

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.

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.

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.

Lauren Farkins

Administrator

Lauren supports our Wealth advisers with new business queries.

She lives in Torquay and has recently got married. She has two small daughters with another baby on the way.

Lauren loves fitness and travel – hobbies she hopes to pick up once the children are a little older.

Louise Lythgoe

Administrator

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

Administrator

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

Kellie Rowe

Administrator

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

Administrator

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.

Jennie Musk

Administrator

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!

Tammy Page

Strategy Development Manager

Tammy works to develop and grow the Four Stages Finance 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!

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 05/10/2022.

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