TFA - Trusted Financial Advice

TFA - Trusted Financial Advice TFA Trusted Financial Advice are leading independent financial advisers operating throughout the South and South West of England. Established in 1997.

We rebranded from Tom French & Associates in 2017. TFA, TFA Trusted Financial Advice, TFA Mortgages and TFA Wealth are trading styles of Tom French & Associates Ltd. Tom French & Associates Ltd is registered in England and Wales with registered number 3445703. Its registered office is 7/8 Biddicks Court, St Austell, Cornwall PL25 5EW. Tom French & Associates Limited is authorised and regulated by

the Financial Conduct Authority. Tom French & Associates Limited is entered on the Financial Services Register under reference 185513. Full details can be found on the FCA website. Our advice to both individuals and families provides financial security, wealth and financial awareness to all our clients and their families throughout their lives, these are our principal aims. We are trusted advisers to many types of businesses. Our experience includes but is not limited to the charity sector; legal and accountancy professions, manufacturing industry, small companies and the sole trader. Our professionally qualified advisers offer independent, un-biased advice ensuring that the advice they provide is absolutely right for you. With offices in Plymouth and St Austell and with advisers throughout the counties of Devon, Cornwall, Somerset, Dorset, the Cotswolds and Hampshire we have clients throughout the South and South West of England.

3 reasons you might want to consider your pension when thinking about ESG:1. Your pension could be one of your largest a...
07/09/2026

3 reasons you might want to consider your pension when thinking about ESG:

1. Your pension could be one of your largest assets
2. ESG funds can allow you to consider environmental, social and governance factors alongside other investment considerations
3. Your pension provider may offer ESG investment options

However, ESG investing still involves investment risk. The value of investments can fall as well as rise, and an ESG focus does not guarantee better investment performance.

Read our blog, linked below, to learn more.

https://tfagroup.co.uk/3-reasons-you-shouldnt-overlook-your-pension-when-considering-esg/

Delaying estate planning could cost UK families £12.3 billion, according to a report covered by Today’s Wills and Probat...
04/09/2026

Delaying estate planning could cost UK families £12.3 billion, according to a report covered by Today’s Wills and Probate.

Under current rules, most pension wealth sits outside your estate for Inheritance Tax purposes.

However, for many pension holders, this is set to change from 6 April 2027, when most unused pension funds and death benefits will be included within estates for Inheritance Tax purposes.

The potential impact will depend on your individual circumstances, and tax rules can change over time.

Read our blog, linked below, to learn more about the upcoming changes and some of the estate planning strategies you might consider when passing wealth to your loved ones.

https://tfagroup.co.uk/the-12-3-billion-cost-of-delaying-estate-planning/

Could regularly contributing to your child’s pension help support their financial future?Here are four potential reasons...
02/09/2026

Could regularly contributing to your child’s pension help support their financial future?

Here are four potential reasons to consider it:

1. You could support their future
2. Your contributions could have more time to potentially grow
3. Contributions may benefit from pension tax relief
4. Contributions could potentially form part of your Inheritance Tax planning

However, pension savings are designed for the long term, and the tax treatment and suitability of contributing to a child’s pension will depend on your individual circumstances. Tax rules could also change in the future.

Read our latest blog, linked below, to learn more.

https://tfagroup.co.uk/4-practical-reasons-to-regularly-contribute-to-your-childs-pension/

Could building better habits help you become a more confident investor?Investing is a skill, and like many skills, your ...
31/08/2026

Could building better habits help you become a more confident investor?

Investing is a skill, and like many skills, your knowledge and confidence could develop over time by forming positive habits and continuing to learn.

However, investing always involves risk. The value of investments can fall as well as rise, and developing your knowledge does not remove the possibility of losing money.

Read our blog, linked below, to discover five steps that could help you build your investing confidence and skills.

https://tfagroup.co.uk/investing-is-a-skill-how-to-build-confidence-and-positive-habits/

A product transfer and a remortgage are not the same thing.A remortgage means moving to a new lender, which could give y...
28/08/2026

A product transfer and a remortgage are not the same thing.

A remortgage means moving to a new lender, which could give you access to a wider range of deals.

A product transfer means staying with your current provider, which may be quicker and involve less paperwork.

However, the most suitable option will depend on your individual circumstances, and you should consider any fees or charges involved when comparing your options.

Read our blog, linked below, to discover the pros and cons of a product transfer and remortgage.

https://tfagroup.co.uk/product-transfer-v-remortgage-whats-the-difference/

Everyone wants to protect their loved ones against life’s twists and turns.Suitable financial protection could help prov...
26/08/2026

Everyone wants to protect their loved ones against life’s twists and turns.

Suitable financial protection could help provide greater financial security for your family, but with different options available, understanding which type of cover might be appropriate can feel daunting.

Life insurance and family income benefit work in different ways, and the right approach will depend on your circumstances, needs and the type and level of cover you choose.

Read our blog, linked below, to weigh up the pros and cons of life insurance and family income benefit, and whether a combined approach could be worth considering.

https://tfagroup.co.uk/life-insurance-v-family-income-benefit-which-is-right-for-your-family/

A growing number of people are considering environmental, social and governance (ESG) factors when making investment dec...
24/08/2026

A growing number of people are considering environmental, social and governance (ESG) factors when making investment decisions.

However, one area you might overlook is your pension.

If you are considering ESG investing, it is important to remember that investments can fall as well as rise in value, and ESG considerations do not remove investment risk.

Read our blog, linked below, to discover three reasons you might want to consider your pension as part of your approach to ESG investing.

https://tfagroup.co.uk/3-reasons-you-shouldnt-overlook-your-pension-when-considering-esg/

Could estate planning help you pass more wealth to your loved ones?A recent report covered by Today's Wills and Probate ...
21/08/2026

Could estate planning help you pass more wealth to your loved ones?

A recent report covered by Today's Wills and Probate found that someone beginning estate planning at 50 and using multiple strategies, such as exemptions, reliefs, and Business Relief investments, could, on average, pass on £397,000 more to loved ones than someone who delayed estate planning until 70.

However, the most appropriate estate planning strategies will depend on your individual circumstances, and tax rules and reliefs can change over time.

Read our blog, linked below, to learn more about some of the strategies that could potentially mitigate an Inheritance Tax bill.

https://tfagroup.co.uk/the-12-3-billion-cost-of-delaying-estate-planning/

In a bid to pass more wealth to their loved ones, a growing number of families are opening pensions for their children.I...
19/08/2026

In a bid to pass more wealth to their loved ones, a growing number of families are opening pensions for their children.

In fact, one pension provider registered a jump of 158% in pensions opened for a child, according to an article in the Telegraph.

Whether this strategy is appropriate for you and your family will depend on your personal circumstances and goals.

Read our blog, linked below, to discover the potential pros and cons of contributing to your child's pension.

https://tfagroup.co.uk/4-practical-reasons-to-regularly-contribute-to-your-childs-pension/

31/05/2026

Managing your financial information shouldn’t feel complicated — or insecure.

Our secure client portal gives you a safe place to:

• View key documents
• Access information when you need it
• Keep everything organised in one place
• Communicate securely with your adviser

It’s designed to support ongoing advice — providing clarity, continuity, and peace of mind between reviews.

Information provided through the portal depends on individual circumstances and agreed services.

💾 Save this if you value clarity and secure access to your financial information.

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