Four Stages Finance Ltd

Four Stages Finance Ltd Your financial journey lasts a lifetime, from first savings or home, to inheritances or retirement. We will be with you through the journey.

Approver Quilter Financial Services Ltd 16/07/2026

03/09/2026

Many small and medium-sized enterprises (SMEs) protect their stock, technology and premises but often the most valuable asset of all is their people. Read more in this article from Business Money about how protecting key individuals could be crucial for businesses.

Quilter is not responsible for the accuracy of this article's information.

How smart SMEs protect their most valuable asset – their people 19/08/2026For many small and medium-sized enterprises (SMEs), the most valuable assets do not appear neatly on a balance sheet. They are the people who bring specialist knowledge, maintain important client relationships, make strategi...

Setting out a clear plan in advance with the help of financial and legal experts is key to ensuring property and assets ...
02/09/2026

Setting out a clear plan in advance with the help of financial and legal experts is key to ensuring property and assets are distributed as intended after a person dies - read more in this article from Sky News.

Quilter is not responsible for the accuracy of this article's information.

In our latest Money Problem, we help a reader who's unsure about a future inheritance situation.

Half of homes in Great Britain are taking longer to sell than last year amid mortgage volatility. Many buyers wait in ho...
01/09/2026

Half of homes in Great Britain are taking longer to sell than last year amid mortgage volatility. Many buyers wait in hope of better deal, although there are hotspots in Scotland and northern England. Read the full article.

Many buyers wait in hope of better deal, although there are hotspots in Scotland and northern England

Some 54% of UK adults don't have life insurance according to research. Learn more about what life insurance does in this...
31/08/2026

Some 54% of UK adults don't have life insurance according to research. Learn more about what life insurance does in this article from Which? Money.

We answer three key questions to help you choose the right cover

An estimated 4.5 million people in the UK have driven vehicles they do not own without checking if they were insured to ...
28/08/2026

An estimated 4.5 million people in the UK have driven vehicles they do not own without checking if they were insured to do so with many wrongly believing that their insurance would cover it. Find out more in this article from The Herald.

Millions of British drivers are risking fines and penalty points over a common insurance misconception.

The Bank of England has held UK interest rates at 3.75% for a fifth time. Find out more what this means for mortgages an...
27/08/2026

The Bank of England has held UK interest rates at 3.75% for a fifth time. Find out more what this means for mortgages and loans in this article from the BBC.

The interest rate set by the Bank of England affects mortgage, loan and savings rates for millions.

There are a lot of things to take into consideration for someone thinking about gifting their property including inherit...
26/08/2026

There are a lot of things to take into consideration for someone thinking about gifting their property including inheritance tax rules.
Tax and financial planning expert at Quilter, Shaun Moore, explains: “If you gift a property but still benefit from living there, HMRC will treat it as a 'gift with reservation of benefit'. This means the property would still be counted as part of your estate for inheritance tax purposes.”

Learn more about this and other areas to consider in this article from MoneyWeek.

Grandparents keen to help grandchildren onto the property ladder may consider gifting their own home before death. Here are inheritance tax rules to consider.

25/08/2026

July saw the slowest annual growth on house prices since 2023. Karen Noye, mortgage expert at Quilter, said: “During the summer months many households swap house hunting for holidays, naturally softening activity levels and taking some momentum out of price growth.”

The “4% rule” has been a retirement benchmark for decades but is it still right for everyone? How much you can safely wi...
24/08/2026

The “4% rule” has been a retirement benchmark for decades but is it still right for everyone? How much you can safely withdraw from your pension is one of the biggest questions in personal finance. The 4% rule has allowed people to safely withdraw from their pension pot each year. But is this figure still accurate in 2026, and will it provide the income you need? This interesting article from The Independent investigates.

How much money can you safely withdraw from your retirement savings and still make it last for decades?

More people are living to 100 — is your pension ready? There's no knowing exactly how long your retirement will last, ma...
21/08/2026

More people are living to 100 — is your pension ready? There's no knowing exactly how long your retirement will last, making it hard to plan your finances. New statistics show that more people are living to the age of 100 which could mean you'll need to live off your pension savings for several decades. As the average retirement period increases, so too does the risk of running out of money later in life. Here, Which? explains how you can make your retirement savings go the distance.

Living for longer may mean your retirement pot needs to work harder

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4 Regent Street
Teignmouth
TQ148SW

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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