Steven Cliff

I am an Independent Financial Adviser with over 24 years experience in the Financial Services industry. I provide a range of financial services and advice for clients across South Devon and the UK. Financial planning plays an important part in our financial life journey and I do my utmost to recognise and satisfy the needs and aspirations of my clients. My Services Financial planning is a very personal matter; requiring discretion and a personal approach. Every individual has different circumstances, ambitions and needs. What’s more, needs often change over time so I feel it is vital to have an adviser/client relationship that is conducive to build on this to find a solution that is unique and individually tailored to suit particular needs and objectives. An ongoing service will enable me to review your needs annually to ensure my initial recommendation remains appropriate for you in the future, as needs change. In order to provide my clients with individually tailored solutions that suit their needs, I provide specialist advice on: • Wealth Management. • Equity Release and Lifetime Mortgages. • Retirement Planning. • Residential and Buy to Let Mortgages. • Protecting yourself and your family. • Inheritance Tax Planning. • Personal and Workplace Pensions. Investment in modern technology has made this more practical for me and my clients, as part of my ongoing service, have access to their very own bespoke client portal. This fantastic technology gives my clients 24/7 access to their investments, pensions, life assurance and mortgages all in one place. Of course, I’m still available to provide advice and recommendations but my clients who wish to receive an ongoing service are confident in the fact they can see all of their financial details in one place. Whether you are looking for a mortgage for your new home, need to know more about protecting your loved ones or wanting to save/invest for the future or plan for retirement I can help you put your plans in place and ensure you understand more about the products available. I am always happy to hold an initial meeting with new clients at my own cost to discuss your needs and tell you more about the services I offer. I will be pleased to visit you in the convenience of your own home or at my office in Torquay. Any costs for advice or ongoing services will be discussed and agreed at this meeting. Please feel free to contact me if you would like to know more about the financial advice and the type of services that I can offer you, I will respond back to you at my earliest convenience.