As an Independent Financial Adviser (IFA), Paul offers a comprehensive range of financial advice services, including mortgages, in Truro, Falmouth and Redruth. He also serves the wider Cornwall and Devon region, as well as London. Whether you require guidance for individual, family or business money matters, he’s here to help.
With over seven years’ service in the financial sector, Paul is a highly experienced and knowledgeable Independent Financial Adviser (IFA) who has attained the highest status as a Fellow of the Personal Finance Society. Whether you need assistance with personal pensions, investments or corporate risk management, Paul can provide expert financial advice.
Over his career, Paul has earned a reputation for a providing reliable expert financial guidance. Many of his clients come to him through personal recommendation, a testament to the high standard of Paul’s service.
Experience and background
Paul qualified as a financial adviser whilst working with a large high street bank. In 2018 Paul achieved the Advanced Diploma in Regulated Financial Planning (APFS). He was awarded the status of Chartered Financial Planner. Paul’s corporate background, combined with his Chartered Planner status, makes him an outstanding performer in his field. When he joined TFA in 2015, he was able to share his financial insights with a broad base of personal and business clients. Paul holds CeMap, CeFA and the Diploma in Regulated Financial Planning from the Chartered Insurance Institute.
- Savings and investments advice. Devising a strategy that considers tax, risk levels and personal priorities.
- Pension planning. Including guidance on accumulating pension savings cost-effectively. Advice on achieving tax-efficient retirement fund withdrawal.
- Corporate risk management. Helping you plan to ensure the continuity of businesses in the event of the loss of key personnel. Contingency planning to allow for the purchase of shares in the event of retirement or death.
- Financial protection. A range of personal and family safety net measures, including life assurance, critical illness cover and income protection.
- Estate planning. Including inheritance tax mitigation through use of trust structures, investment bonds and whole of life plans.
- Group employee benefits. A range of employee benefits, including death in service, critical illness cover, sick pay arrangements and permanent health insurance.
- Mortgage advice. Helping you find the right mortgage including first time buyer, re-mortgage, buy to let lending and equity release. Incudes lifetime mortgages, second charge and secured borrowing, bridging and short time finance.
As well as offering advice across a full spectrum of financial areas, Paul also brings advanced knowledge of specialist subjects. This includes expertise in inheritance tax planning and providing financial planning solutions to clients with high net worth. This is provided for private clients, company directors, professionals and business owners, including their own clients or employees. Paul also has specialist knowledge in the area of Long Term Care planning.
What our clients say
At TFA we seek client feedback via the independent review platform Feefo, which collects real reviews from real clients. You can read the reviews for TFA by clicking on the Feefo link below.
Reviews specifically for Paul can be found here.
Paul helped me re-mortgage and provided a great service from start to finish. He made the financial jargon simple and easy to understand. It was a quick and smooth process and Paul stayed in touch updating me on a regular basis. I would recommend Paul to my family and friends and will use him again in the future. Thank you Paul.
5 out of 5 for Advice, Service and Value
Mortgage Advice Client – verified testimonial from VouchedFor, June 2018. See see all VouchedFor reviews for Paul Grey please click on the VouchedFor logo above.
“Paul (Grey) is everything you want and just a little bit more when trusting someone with your investments.
Factual, reliable and trustworthy, if your looking for someone to accelerate and further your portfolio, Paul’s your man.”
I needed advice on an old pension I had. Also I needed advice on how to go about getting a new mortgage & life cover .
I had a private pension that I no longer paid into but needed advice on what to do with it as it kept being bought out by different companies.So Paul sorted that for me.He also gave me advice on a new mortgage that I needed & then my life cover & insurance to make sure I was fully covered for the house I am buying.
Yes, pension sorted. Mortgage sorted & now the life cover & insurance all under way.
For me, nothing. Paul kept me informed of what he was doing daily. We looked at one policy but it ended up not being right for me & my needs,so we talked about it & looked at another & that suited me better. We went over the cost of it , whether that a mount was affordable to me. I never felt pressurised into having something I didn’t want or need.
“It’s an absolute pleasure to recommend Paul (Grey) to anyone who is looking for a financial adviser. My husband and I have known him for years; he has arranged two mortgages and two re-mortgages for us. He has also found the best life insurance policies for both of us when we were undecided. His knowledge and expertise are exceptional. He is always there to help in person and at the end of the line. We are looking forward to working with Paul on our next project in the near future. THANK YOU!”
Some money to invest and we have used Paul before.
Paul gives straightforward advice and explains everything well.
Yes all good so far.
Not really sure on this, but I do find pensions very complicated anyway.
I had four different pensions running and basically did not have the understanding or the time to put about how to consolidate these pensions. The more I looked into it the more complicated it got and more time it was consuming it seemed I was 1 step forward and 2 back. I needed HELP!.
We had a initial meeting and discussed all of my needs and concerns. Paul gave me all the time I needed, I did not feel under pressure to do anything and if I didn’t understand anything Paul would explain so I could. I got the impression when Paul left I would not have to worry about a thing, in safe and very competent hands!.
The task to complete my pensions was quite a task, Paul as kept me up to date regular on the way and if I had any concerns he would address and reassure me, always by phone or e-mail.
Difficult question!! I would have to say at this moment in time nothing.
Advice on pensions.
By giving the best advice for my pension pot.
Nothing because if there are any problems I can have a face to face or telephone conversation
Gave me the advice that I needed.
Very helpful in all areas that were discussed. He explained things succinctly. We feel at ease with him.
Needed to look to make the most of my spare money and plan for the future more.
Advise on risk ratings and portfolios to choose.
Early days so far.
I had 4 different pensions running and wanted to consolidate and it was too involved for myself to tackle.
When we had our first meeting I explained to Paul what I had and what I was hoping for at the out come. Paul then explained in great detail all about what was possible and not and listened to my objectives and goals. All explained in a why that I could understand and not at all boring.
Yes very much so. The outcome was a great piece of mind and relief and looking forward to the future.
Far as my situation goes I believe that Paul did a fabulous job with my interest at the fore. Also the follow up as been great and Paul can be contacted at time which also gives me piece of mind.
Buying a house.
Paul was able to get us the best possible deal on our mortgage. He has helped to put in place a fantastic level of protection as well as a private pension. He has been available almost 24/7 and has exceeded all expectations.
Above and beyond what we were hoping for.
Genuinely there is nothing I can fault.
Primarily for a mortgage and I needed a new financial advisor.
Found me the best deal on Mortgages twice and we did a new private pension.
Yes money saved on the mortgage.
I regularly speak to him and am satisfied about the advice I get
Paul helped me with a re-mortgage, and then sorted my neglected pension pot. His patience (and diagrams!) are much appreciated, and i would not hesitate
to recommend him to help you too!
Review via Facebook
The advice given by Paul has been excellent. He is a true professional who has constantly delivered at the highest level. Reliable, honest and understanding are some of the words I can use describe Paul.
Review via Facebook
Paul is based in Truro and provides his financial advice service in a wide area around this base. This includes Cornwall, Devon and London. His service area covers Truro, Falmouth, St Austell, Newquay, Helston, Hayle and Penzance and many other towns and villages in this region. You can arrange for Paul to visit you at home, at your place of business, or another location locally.