We are a privately-owned independent financial advisory firm based in Devon, built on the belief that financial advice should be independent, evidence-based, and entirely focused on the people it serves.
We provide unbiased, unrestricted advice based on a comprehensive and fair analysis of the relevant market.
QHFS Limited was founded to offer something different: independent financial advice without the pressure of product sales or hidden commissions.
Over the years, we have helped individuals, families and business owners navigate complex financial decisions with clarity and confidence. Every plan we create is tailored, transparent, and designed to evolve as life changes.
QHFS Limited was formed in 2003 from Quentin Howe Financial Services that was set up in 2001. It is a Devon based, privately owned, independent company offering unbiased and professional financial advice. Quentin Howe is the Director and an Independent Financial Adviser for QHFS Limited.
QHFS Limited provides comprehensive and impartial financial advice to personal and business customers in their home or place of business. We aim to ensure that our clients receive independent advice and an ongoing service that is objective, forward thinking and of the very highest standard. Our aim is to build long term, mutually beneficial relationships with our clients and we usually work only through recommendation from our existing clients and professionals.
We are not tied to any provider or product. Our recommendations are based solely on what is right for you.
Every decision we make starts with your goals, your circumstances, and your desired outcome.
We maintain chartered-level technical standards and strive to deliver the very highest quality of service.
We build relationships measured in decades, not transactions. Your success is our success.
Our advisers and support team bring decades of combined experience in financial planning, retirement strategy, and investment management.
Quentin has over thirty five years of financial experience specialising in investments, mortgages and financial planning. He is committed to keeping up to date with the ever changing regulatory requirements. Quentin carries the designatory letters 'FPFS' (Advanced Diploma, Personal Finance Society) and 'CFPCM Chartered MCSI' (Certified Financial Planner, Institute of Financial Planning). He is currently a member of the Chartered Insurance Institute (CII), the Chartered Institute for Securities and Investment (CISI) and the Personal Finance Society (PFS). His professional qualifications include: Chartered Financial Planner (CII) and Certified Financial Planner CM Chartered MCSI (CISI). In order to obtain the above he has completed the following financial examinations with the above institutions: CII Level 4 Award in Pensions Update (RO8), Pensions Update (RO7), Advanced Mortgage Advice Advanced Diploma in Financial Planning (CII) including: Financial Planning Process (AF5) Taxation and Trusts (G10) Personal Investment Planning (G20) Business Financial Planning (G30) Long Term Care, Life and Health Protection (G80) Diploma in Financial Planning (CII) including: Saving and Investment (SV1) Pension Income Options (J05) Mortgage Advice (CF6) Lifetime Mortgage Activities (CF7) Certificate in Financial Planning (CII) including: UK Financial Service Regulation and Ethics (CF1) Investment and Risk (CF2) Financial Protection (CF3) Retirement Planning (CF4) Integrated Financial Planning (CF5) Long Term Care Insurance (CF8) Pensions Simplification (CF9) Life Office Administration (FA1) Financial Services and their Regulation (FP1) Protection, Savings and Investments (FP2) Identifying and Satisfying Client Needs (FP3) Home Reversion Plans (HR1) Certificate in Mortgage Advice and Practice (IFS) Certificate of Regulated General Insurance (IFS) Certificate in Equity Release (CII) Certificate in Mortgage Advice (CII) Certificate in Financial Planning & Lifetime Mortgage Activities (CII) Certificate in Financial Planning & Long Term Care Insurance (CII) Certificate in Financial Administration (Life) (CII) Certificate in Life and Pensions (CII)
Mark joined QHFS Limited in May 2008 as an Independent Financial Advisor. His aim is to build long term, mutually beneficial relationships with his clients. He has over twenty years of financial experience specialising in investments, mortgages and financial planning. Mark carries the designatory letters 'Dip PFS' (Diploma, Personal Finance Society). His professional qualifications include: Diploma in Financial Planning (CII) including: Mortgage Advice (CF6) Pension Income Options (J05) Financial Services, Regulation and Ethics(R01 ) Investment Principles and Risk (R02) Pensions and Retirement Planning (R04) Certificate in Financial Planning (CII) including: UK Financial Service Regulation and Ethics (CF1) Financial Protection (CF3) Retirement Planning (CF4) Integrated Financial Planning (CF5) Long Term Care Insurance (CF8) Financial Services and their Regulation (FP1) Protection, Savings and Investments (FP2) Identifying and Satisfying Client Needs (FP3) Certificate in Equity Release (CII) Certificate in Mortgage Advice and Practice (IFS) Certificate in Life and Pensions (CII)
Jasper joined QHFS Limited in October 2024 as our apprentice and is currently studying through the Chartered Insurance Institute (CII) to become an Independent Financial Advisor. He has already achieved Level 3 Certificate in Mortgage Advice (CII), Mortgage Advice (CF6), Pensions and Retirement Planning (RO4), Personal Taxation (RO3), Investment principles and risk (RO2), Financial services, regulation and ethics (RO1)