Business Details
We are QHFS, a privately owned independent financial advisory firm based in Devon, established in 2003 with operational roots tracing back to our predecessor firm founded in 2001. Our team is led by Director and Independent Financial Adviser Quentin Howe, who brings extensive expertise in personal and business financial planning. We are authorised and regulated by the Financial Conduct Authority under reference number 598086, adhering to all required UK regulatory and professional standards. Our advice is 100% independent, meaning we are not tied to any product providers or commission structures, ensuring every recommendation is made solely in our clients' best interests. We uphold chartered-level technical standards across all our work, delivering evidence-based, unbiased guidance tailored to each client's unique circumstances. We offer comprehensive financial services to individuals, families and owner-managed businesses, covering financial planning, investment management and bespoke business owner support.
Our fee structure is fully transparent, with all costs agreed in writing upfront before any work commences, so clients face no hidden charges at any stage. We prioritise long-term relationships over one-off transactions, providing ongoing support and optional annual plan reviews to keep financial strategies aligned with evolving client goals. Our first introductory meeting is offered at no cost and with no obligation, allowing prospective clients to assess our service before committing to any formal engagement. We are committed to plain English communication, providing all plans and recommendations in clear, accessible language that clients can fully understand and trust. Our formal written complaints procedure is available to all clients on request, and any unresolved issues can be escalated to the Financial Ombudsman Service for independent resolution.
Our fee structure is fully transparent, with all costs agreed in writing upfront before any work commences, so clients face no hidden charges at any stage. We prioritise long-term relationships over one-off transactions, providing ongoing support and optional annual plan reviews to keep financial strategies aligned with evolving client goals. Our first introductory meeting is offered at no cost and with no obligation, allowing prospective clients to assess our service before committing to any formal engagement. We are committed to plain English communication, providing all plans and recommendations in clear, accessible language that clients can fully understand and trust. Our formal written complaints procedure is available to all clients on request, and any unresolved issues can be escalated to the Financial Ombudsman Service for independent resolution.
Highlights and features
- We have over 25 years of independent financial advisory experience.
- We agree all fees upfront with no hidden charges.
- We are 100% independent with no ties to product providers.
- We adhere to chartered-level technical and FCA regulatory standards.
- We offer a free no-obligation first meeting for prospective clients.
Services
Financial Planning
Our financial planning service is designed for individuals and families seeking to align their finances with personal long-term goals. We develop tailored plans that account for each client's unique risk tolerance, anticipated timeline and life circumstances. All plans include an optional annual review to ensure they remain relevant as client needs evolve.
Investments
Our investment service is suitable for all clients looking to grow their wealth in a low-cost, transparent manner. We construct evidence-based, globally diversified portfolios held directly in the client's name for full asset transparency. All portfolios are managed with a focus on long-term returns and minimal unnecessary costs.
Business Owner Advisory
Our business owner advisory service is tailored for owner-managed businesses and their directors. We provide specialist support including director pension planning, business exit strategies and shareholder protection arrangements. All advice is designed to protect both personal and business financial interests over the long term.
