A simple, clear process
Getting financial advice shouldn’t feel complicated or overwhelming. This process is designed to feel calm, considered, and tailored from start to finish. It’s about understanding your goals, building a plan that works, and feeling supported.
Step 01
Book your Discovery Meeting
The first step is a relaxed, no-pressure conversation. You’ll talk through your goals, questions, and where you’re at financially. This is a two-way meeting, so you can get to know how everything works too.
- checkChoose a time that suits you.
- checkMeet online or in-person.
- checkShare your situation and ask anything you need.
- checkDecide if it’s the right fit for you.
Step 02
Receive your personalised proposal
You’ll then receive a tailored proposal explaining exactly how financial planning can help, what’s involved, and how it’s delivered. Everything is set out clearly, including transparent fixed costs for the initial advisory work.
- checkOutlines areas of focus and support and exactly what we will do for you.
- checkTransparent explanation of fees with no hidden surprises.
- checkTime and space to consider before committing.
Step 03
Start your financial life plan
Once you’re ready to move forward, your full plan begins. This includes deeper financial analysis, goal setting, and tailored advice that aligns with your values and lifestyle.
- checkWe will asses your existing pensions, protections, ISAs and investments etc.
- checkClarify and prioritise your goals.
- checkReceive a structured financial plan.
- checkWalk through it all in plain, simple language.
Step 04
Stay supported with ongoing reviews
A good plan evolves with you. Life changes, goals shift, and the market moves, which is why ongoing support is built in. This isn’t one-and-done advice. It’s a long-term partnership.
- checkAnnual reviews to stay on track (with additional ad-hoc meetings as required).
- checkAdjustments made as needed.
- checkOngoing access to advice and support.
- checkFinancial peace of mind and confidence that someone has your back.
Start with a conversation
The first step is always a simple, helpful chat. Whether you’re ready to take action or just have questions.
Who I help
Tailored advice for your life, your goals, your circumstances
Young Professionals & Growing Families
Planning for the future while managing life’s daily demands? Financial clarity starts here.
Retirement Planners
Approaching retirement with questions? Find out where you stand and what’s possible.
Childcare & Nursery Business Owners
Balancing business and personal finances? Get clear, structured advice with both in mind, from the only IFA in the country who has walked in your shoes.
Property Investors
Owning property is only part of the picture. Align your portfolio with long-term goals.
“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
“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
“In our lengthy and stimulating meetings with Toby it became obvious from the start that he is utterly passionate about customer satisfaction and professionalism; his goal is to support you in achieving your objectives. He gave my wife and I full confidence that he is up to date and expert in the vast array of aspects which influence our situation as a newly retired couple with a convoluted set of objectives and modest pensions and assets.”
— Mr & Mrs H. Apr 2024