
ABOUT PROTOCOL
Protocol’s service offering is built on long-term client relationships, a personalised service, based on a detailed understanding of every client’s needs, hopes and aspirations. Quality financial advice is not achieved through a computer screen relationship.
As an Independent Financial Adviser, Stephen isn’t tied to any product providers, enabling Protocol’s clients to benefit from unbiased advice and access to a broad range of financial markets and instruments.

THE TEAM

Stephen Horswell
Financial Adviser
Stephen has lived in Devon and Cornwall all his life and is currently based in Torquay. His main specialisations lie in the areas of retirement and investment planning, regularly involving, drawdown pensions, inheritance tax planning and lifetime mortgages. Stephen enjoys watching sport and sharing his Arsenal season tickets.

Kate Elkins
Operations Manager &
Paraplanner
In addition to leading Protocol's administration team, Kate is Protocol's Paraplanner which involves research and writing advice reports. Kate has been with Protocol since 2018 and is working towards a Diploma in Regulated Financial Planning.