TFA - Trusted Financial Advice

Independent Financial Adviser  Unit 3, Truro, Cornwall, TR1 1BQ
First meeting at adviser's own cost
We provide clear, impartial and jargon-free financial advice to local people. I am based in Truro, and cover the rest of Devon & Cornwall.
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Buy my next home
check
Equity release
check
Mortgage protection
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Traded endowment policies
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Critical illness
check
Income protection insurance
check
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
check
Corporate pension
check
Group Protection/Life Insurance
check
Group critical illness
check
Group income protection
check
Group life insurance
check
Group private medical insurance
Response rating
9.3/10
check
FCA authorised
Last authorised 29th June 2020
Meet our advisers
Darren Bilkey
Independent Financial Adviser

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge, understanding and application of the different types of long-term care insurance.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

What our clients say
I came to a watershed in my life and with my family was reviewing my financial position. Darren was personally recommended to me- and I have found him to be excellent in every area. My financial situation was not simple!! Darren has quietly and thoroughly gone through my whole financial case in a competent and efficient manner. I cannot praise his work enough! Thank you.
Mrs J, Cornwall
Our mortgage fixed rate was due to expire and we wanted to have advice for the best offers available to us and also look at the potential for expanding our property portfolio. Darren took the time to listen to everything we wanted and had to say and then found us the very best offers available- far better than we had found ourselves and showed us how it would be possible to achieve our future plans, all in a way that was so easy to understand. Nothing was too much trouble for him, the service he provided us with is beyond compare and we are so very grateful and would recommend him so very highly.
Mrs K, Cornwall
We needed to shift some personal debt onto our mortgage to ease monthly outgoings. We changed our life and critical illness policy to a new company which is giving us much better protection for the same money. We have also taken our an income protection policy for my husband who is self employed, so should he be off sick for more than a month we will receive a monthly income. Darren understood our needs and what we wanted to achieve. He explained the whole process in a way that we clearly could understand. He found the best deal for us and took care of the process the whole way through. The most important thing is we have now fixed our mortgage for 5 years so have piece of mind if the interest rate does increase our monthly mortgage amount will remain the same which helps us to budget our money.
Mrs W, Cornwall
Darren has been meticulous in sorting out our pensions and savings investments so that we are confident that we are on the right track. The most helpful piece of advice has been being able to see financial predictions going forward through into retirement giving us piece of mind. Added to that the investments that Darren has made on our behalf have been confidently growing this past year.
Mrs W, Cornwall
Darren has given excellent advice regarding retirement planning options to my husband and I. He has also helped us to manage our life insurance cover. Darren understands our retirement priorities and our attitude to risk. He is very quick to respond to any emails or phone messages and always can be trusted to do exactly what he promised following meetings and conversations. We feel comfortable to ask him any questions. He gives very balanced advice, always pointing out the pros and cons of each of our options. He explains any process involved in setting up a policy or pension and clearly states any charges upfront. I often recommend Darren to colleagues, friends and family.
Mrs H, Cornwall
We have had a financial adviser for a number of years whilst working. Now retired we find on-going advice useful given we both have pensions and a limited pot of investments that we need to make best use of. Darren brings a fresh look at things and is able to advise in areas that we do not have his level of expertise. To date it has been very helpful. Darren mixes both formal and informal support that suits us. He has instigated a six monthly review, and gives us plenty of notice of visits etc
Mr & Mrs T, Cornwall
I had investments and savings scattered around several banks etc but nobody to talk to about them. I didn't know whether to keep them or change them, or whether they were good or bad. Darren had a look at my investments and a good chat about what I wanted. He then came up with a plan for me and talked it through. I can always ring him if I'm worried or unsure about something and that gives me peace of mind. Nothing is too much trouble for him and I now understand what is happening with my investments. It's too soon to know if I made the right choice but Darren seems a very capable young man who has the clients interests in mind. He was easy to talk to and listened to what you wanted and explained everything he was going to do. I have confidence in him and hope that he can help me with my finances for years to come. I can't really think of anything Darren could have done better.
Miss C, Cornwall
About us

I am an Independent Financial Adviser working and living in Truro, Cornwall. I provide independent and unbiased advice to a broad range of individuals including private clients, high net worth individuals and business owners.

I aim to give advice in a way that is clear and easily understood, and have a keen interest in the use of cash flow planning with my clients to bring greater meaning to financial decisions.

Our services

I provide expert and impartial advice on a range of financial needs including;

✓ Investments and savings of all kinds, whether orientated towards income, capital growth, or both;
✓ Pensions, from accumulating pension savings cost-effectively to managing the withdrawal of funds in retirement in the most tax-efficient way;
✓ Estate planning and inheritance tax mitigation;
✓ Financial protection, including life assurance, critical illness cover and income protection;
✓ Corporate risk management, to ensure the continuity of businesses in the event of the loss of key personnel, and the provision of contingency funds to allow for the purchase of shares in the event of retirement or death.
✓ Mortgage advice, including equity release

Where to find us
Head office address: Unit 3, St Austell Business Park, St Austell, Cornwall, PL25 4FD
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
9.3/10
check
FCA authorised
Last authorised 29th June 2020

Similar advisers near you

Independent Financial Adviser 0.47 mi
We are here to help you in buying your first home to sorting out your Retirement & Investments needs.
 
Independent Financial Adviser 0.47 mi
Based in Truro, we offer Independent Financial Advice both face to face and remotely, depending on your preference and location.
 
Independent Financial Adviser 0.57 mi
Jargon free Independent Financial Planning Advice from Chartered Financial Planners. Morlaix explains everything in a simple manner.
 
Independent Financial Adviser 0.57 mi
"Simply First Class” "Sarah Williams provides an excellent service, while being friendly and approachable"