How we’ve helped people like you
Behind every plan is a real person with hopes, questions, and a life they care deeply about. This page brings together the stories of those who have taken that first step and found clarity, confidence, and support when it mattered most.
“Toby is the perfect person to help and support with all your financial needs. Not only is he professional in his manner and approach but ethically will always do the right thing by you.”
Ms C. - Sept 2025
How we’ve helped people just like you
“Toby came recommended to me recommended by a friend. Based on our first two meetings I have found Toby very knowledgeable and feel confident we will build a long standing and mutually beneficial relationship going forward. His approach to getting to know me as a Client before any money changes hands has provided a foundation of trust to build on. I appreciate the time he has given and the transparency he has delivered which is enabling me to make important decisions about my finances going forward.” — Mrs C. Sept 2025
We are recently retired and wanted to make sure our financial situation was going to continue to allow us to live comfortably while also being able to support our children to buy a property.
Toby has supported us to ensure our savings and investments are being maximised. Toby has given us confidence that our financial situation is good, using modelling software to show us how our investments and pensions may be affected by different world/life events. He has shown us that we have the capacity to spend money on holidays etc… and still have funds to support us well into the future. Toby is highly professional, while also being very friendly and supportive when discussing potentially upsetting changes to our circumstances.
— Mr & Mrs E. June 2025
“Toby was outstanding in being personable, professional, supportive and inspiring confidence in someone who struggles with anything financially related. He comes across as a very likeable, decent human being who genuinely cares about what he does for a living and helping clients in addition. I wouldn’t just happily recommend him, I would actively encourage anyone needing financial advice to seek him out.”
— Ms N. Sept 2024
“We live in interesting and troubling times with continued market turmoil, on a global scale. I therefore went into my recent half yearly financial review with Toby with some trepidation. I needn’t have worried, Toby was able to show me sound historic examples where the markets fell faster and further, the associated recovery times and the long-term growth trends. Wouldn’t it be great to be able to get out before the falls and jump back in at the bottom of the market, but this is the stuff for dreamers and speculators, for the rest of us diversity and astute targeting is the best hope of weathering the storm and coming out the other side in a better position. Toby’s clear explanation of where and why my portfolio is invested was again useful and reassuring. Toby uses some excellent modelling software to illustrate stress testing of my portfolio and the related impact on my potential lifetime drawdown prospects was also comforting. I left our meeting better informed and much more upbeat thanks to Toby’s clarity, transparency and professionalism.”
— Mr C. March 2025
“Toby provided a grounded, realistic and data driven analysis of my current financial position and potential future prospects. He is innovative without being cavalier, which gives me confidence my assets are not going to stagnate, nor am I exposed to unacceptable risk. Trust is a huge factor when it comes to managing my lifetime accrued assets, and I find great comfort having Toby as my adviser. I can’t thank Toby enough.”
— Mr C. May 2024
“We couldn't be more grateful for the time and attention Toby has dedicated to helping us. From the moment we sat down with him, it was clear that he truly cared about understanding our unique situation. Toby spent hours listening to our concerns, goals, and aspirations, leaving no stone unturned in assessing where we currently stand financially. Toby's approach was thorough, detailed, and thoughtful, providing us with a clear picture of both the opportunities available and the potential challenges ahead. We had been feeling quite anxious about our lack of planning, but after just one appointment with Toby, we now feel empowered and confident in moving forward.”
— Mr & Mrs E. Jan 2025