My Process & Approach
First and foremost, I get to know you as people. I want to really understand what makes you tick, and your hopes and goals for your lives. I call this the Discovery Stage. This is a two way process and it’s critical that both parties feel comfortable working with one another to go any further than this.
Mrs & Mr W - Aug 2024
“My husband and I were a little nervous and apprehensive prior to our appointment with Toby, but he immediately put us at east. We were amazed at Toby’s knowledge and the way that he delivered the information during the meeting. He explained things in a way that we could easily understand and guided us through the options available. We would definitely recommend him and look forward to the benefits of his services in the future.”
In almost all financial plans we will need to use financial products such as (but not limited to) ISAs, Pensions, General Investment Accounts, Investment Bonds & Protection Policies. Precisely which ones I need to use will depend wholly upon your individual circumstances and objectives.
If using the above, I will also need to recommend product providers, and investment solutions. I believe in a data-driven approach to investment management, which I feel reduces the scope for human misjudgement with your money. I use exactly the same suite of investment solutions for my own family’s finances as I recommend for those of my clients, such is the conviction I hold in the evidence-based approach I stand by. As an independent financial adviser I will have assessed the whole of the market for the optimum solutions for your situation.
We are often asked about fees. These are an inevitable requisition of regulated financial advice. Our full fee schedule will be provided to you prior to engagement. But as a guide for our initial advice fee, the usual range will be between £1,500 - £3,800 depending upon the complexity of your situation. For this element of charging, we operate on a fixed fee basis, so you will know exactly where you stand.
For clients on our ongoing service schedule there will be 3 elements to the fees (IFA fees, platform fees (if applicable), and investment fund fees). Our IFA fees are charged on an ad valorem basis, which will depend upon the value of your household portfolios, and your stage during your investment journey.
Contact Us
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