TFA - Trusted Financial Advice - Darren Bilkey

Independent Financial Adviser  Unit 3, St Austell, Cornwall, PL25 4FD
First meeting at adviser's own cost
A Chartered Financial Planner and Fellow of the PFS. Darren provides clear, impartial and Independent financial advice to individuals across Cornwall. Meetings can be offered on a face to face or remote basis to suit your preferences.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Equity release
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Mortgage protection
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 26th July 2021
Meet our advisers
Mr Darren Bilkey FPFS Certs CII (SMP & ER)
Chartered Financial Planner & 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 principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

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 allows mortgage professionals to become qualified in more specialist areas such as supervising in a regulated environment, alternative residential learning and customer care.

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

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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 an understanding of the financial planning process when giving advice to clients.

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.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

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.

This exam accesses understanding of the features and risks of different securities, the structure and features of the securities market and relevant factors and considerations for appropriate investment recommendations.

Accreditations
Chartered Financial Planner
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

Darren is well regarded for providing trusted financial advice in a way that is clear and easily understood, helping his clients take away the stress, confusion, and worry of complex financial decisions. His expertise ranges from pensions and investment advice to retirement planning and inheritance tax mitigation.

Our services

Darren particularly enjoys advising clients on how to invest and accumulate wealth for them and their family, and advising retirees on how to best manage their pensions and investments to maximise their standard of living.

He offers advice on the following areas -

✓ 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, TR1 1BQ
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Darren is an appointed representative of TFA Trusted Financial Advice, which is a trading style of Tom French & Associates. Established in 1997, TFA are regulated by the Financial Conduct Authority and is entered on the Financial Services Register 185513.

Response rating
7.0/10
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FCA authorised
Last authorised 26th July 2021

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