Toby Evans

First impression from a user who is not yet a client

November, 2023

Please provide a brief comment about your experience with Toby

A clear and friendly approach and Toby was very understanding of the client's needs.

First impression from a user who is not yet a client

October, 2023

Please provide a brief comment about your experience with Toby

I met with Toby for a meeting to discuss inheritance planning. I was asked to provide background information prior to the meeting which Toby had clearly reviewed. I found him to be engaging, helpful and knowledgeable, and his recommendations enabled me to leave the meeting with a sense of relief, having a clear path forward. There was no charge for this initial meeting and absolutely no pressure for me to re-engage. I intend to continue to work with Toby going forward.

First impression from a user who is not yet a client

September, 2023

Please provide a brief comment about your experience with Toby

In our lengthy and stimulating meeting 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 totally 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.

Review from verified client

September, 2023

What were the circumstances that caused you to initially look for an adviser?

I first met Toby 2 years ago as had received a small inheritance and wanted to ensure that I used it wisely for my future.

Have you seen the outcome you were hoping for?

Definitely. Toby opened my eyes to so much that I didn’t know existed. I’d read a lot about personal finance and investing but Toby really offered an impartial, unbiased view of everything and ensured that all his recommendations were centred around my objectives.

How has Toby Evans helped you?

I have protection policies in place to provide for my family in case anything happens to me. He saved me far more in tax than I had imagined possible and structured the investments to maximise all of my and my wife’s allowances. I’m so pleased we were introduced to him by a friend.

What could they have done better?

I didn’t realise that the whole process would take a little while, but that is mostly because Toby is so thorough in getting to know me and really understand my goals.

First impression from a user who is not yet a client

September, 2023

Please provide a brief comment about your experience with Toby

Very professional manner, friendly, welcoming, was made to feel at ease straight away

Review from verified client

September, 2023

What were the circumstances that caused you to initially look for an adviser?

I have limited knowledge in these areas.

Have you seen the outcome you were hoping for?

Yes

How has Toby Evans helped you?

Yes

What could they have done better?

Nothing

First impression from a user who is not yet a client

September, 2023

Please provide a brief comment about your experience with Toby

Toby is very knowledgeable on the subject of IHT and related this knowledge to our situation. Great discovery meeting answering all our questions.

Toby's reply

I was delighted to be able to answer your questions and leave you with peace of mind over your situation after our meeting.

First impression from a user who is not yet a client

September, 2023

Please provide a brief comment about your experience with Toby

Efficient meeting which answered all of our questions and offered suggestions.

Toby's reply

A pleasure to meet you, and I was glad to be able to offer clarity on your situation and options.

Review from verified client

August, 2023

What were the circumstances that caused you to initially look for an adviser?

Selling a house

Have you seen the outcome you were hoping for?

Investments on the markets have not done well since Ukraine but no fault of Toby

How has Toby Evans helped you?

Looking to invest safely in accordance with our wishes

What could they have done better?

Nothing

Toby's reply

I appreciate your candour in your review, and look forward to being able to assist you and your family with your ongoing financial planning over the years to come.

First impression from a user who is not yet a client

July, 2023

Please provide a brief comment about your experience with Toby

We had a discovery meeting with Toby and his colleague. It was friendly, informal and relaxed, exploring our current lifestyle, future intentions and expectations. Toby gave us a lot of food for thought on some simple actions we could (should!) take as well as more detailed investment actions to consider in more detail. It was a couple of hours well spent and we look forward to our next meeting.

Toby's reply

I very much enjoyed meeting with you both. Our discussions were in depth, and this is critical to help me really understand your goals and objectives, and to be able to advise you accordingly.

First impression from a user who is not yet a client

July, 2023

Please provide a brief comment about your experience with Toby

Toby was very helpful, his approach was professional but allowed for us to talk freely. He ensured that we understand his role and was able to answer questions honestly an sensitively, giving examples to support his evidenced based approach. It was very helpful knowing that notes were being taken and subsequently shared with us. This allowed for us to focus on the meeting and then reflect on the conversation in the comfort of our home.

Toby's reply

I was delighted to meet you and your family, and look forward to being by your side for the decades ahead to guide you towards your objectives.

First impression from a user who is not yet a client

June, 2023

Please provide a brief comment about your experience with Toby

Well prepared and informative meeting. Explained everything in a way that was concise and easy to understand. We immediate felt confident in his ability to deliver a financial package for us with this important step in our lives.

Toby's reply

I am very pleased to be able to become your trusted adviser to assist you and your family in securing your family's financial future.

First impression from a user who is not yet a client

April, 2023

Please provide a brief comment about your experience with Toby

Toby provided some initial financial advise which I found very insightful.

Toby's reply

Thank you for your kind review, I was glad to be able to offer you some ideas to implement.

First impression from a user who is not yet a client

April, 2023

Please provide a brief comment about your experience with Toby

Toby explained everything very clearly and in a relaxed but professional atmosphere that made it easy for us to ask questions

Toby's reply

Thank you for your kind and candid review. It was a sheer pleasure to be able to assist you, and I look forward to assisting you in the years to come.

First impression from a user who is not yet a client

April, 2023

Please provide a brief comment about your experience with Toby

I thoroughly enjoyed my initial discovery time with Toby, who went to great lengths to listen, understand and talk through my short, mid and long-term financial needs. Articulate and professional at all times, with a sense of clarity and the ability to ensure I understood at all times. I look forward to engaging Toby's services.

Toby's reply

You discovery meeting was one I also enjoyed, and i was pleased that we were able to identify some meaningful actions to help you achieve your goals.

Review from verified client

March, 2023

What were the circumstances that caused you to initially look for an adviser?

Organizing, simplifying and amalgamating our portfolios

How has Toby Evans helped you?

As above as well as minimizing the amount of tax paid, ie the most tax efficient.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Toby's reply

Thank you for your review. I do not underestimate the trust that you place in me to handle your financial affairs, seek to help you achieve your objectives as best I can.

First impression from a user who is not yet a client

March, 2023

Please provide a brief comment about your experience with Toby

I decided to get financial advice after receiving an unexpected lump sum payment from my late friend. I found Toby Evans’ profile on Vouchedfor. I wanted an Independent Financial Adviser. He contacted me promptly by phone initially giving me some good advice. We arranged the free initial consultation. He was polite, friendly and professional. He took time to explain how finance markets can change for different reasons and it was helpful to see visual charts and data examples. I felt it was important to consider areas such as my personal spending, pensions and types of investments available. I wanted a professional to point out areas to be aware especially tax rules! We discussed about my personal background and current circumstances a lot of areas were addressed at the meeting. Toby suggested a financial plan to consider going forward for me to think about. He emailed me a summary of our meeting the next day and I found this very useful. There was no pressure from Toby and his follow up email had given me enough time to consider his advice. I had actually started to sort certain areas and was therefore happy to proceed. I would certainly recommend Toby if asked.

Toby's reply

I was touched by the sincerity of your review. I do pride myself on offering everyone as much time as they need to ask questions, and seek a better understanding of their options. I was pleased to be able to assist you, and look forward to working for you on an ongoing basis.

Review from verified client

March, 2023

What were the circumstances that caused you to initially look for an adviser?

We needed advice on insurance for our family.

How has Toby Evans helped you?

Toby recommended and set up insurance tailored to our circumstances.

Have you seen the outcome you were hoping for?

Yes, hassle free, now don't have to think about it

What could they have done better?

Nothing better, service was fantastic throughout

Toby's reply

It was a pleasure to help you and your family secure some appropriate cover. Thank you for your kind words.

First impression from a user who is not yet a client

February, 2023

Please provide a brief comment about your experience with Toby

I chose to contact Toby based on previous reviews and how well written his profile was. Once contact was made, Toby has been amazing. Excellent communication and in the discovery meeting really helped me to work through what I wanted exactly. Despite my lack of knowledge in some areas, he worked with me to come to a solution, rather than dictate what is needed. He also used the information provided to provide overall security for me and my partner, not just what to do with the funds I have. I feel I have been given the time and information needed to make the decisions required and I would recommend Toby very highly.

Toby's reply

Thank you for your candid and comprehensive review. It means a lot to read your words, as I genuinely take pride in upholding the ethical approach of our business. I was pleased to be able to offer you plenty of ideas to help you protect your existing position and work towards your ongoing goals.

First impression from a user who is not yet a client

February, 2023

Please provide a brief comment about your experience with Toby

Took appropriate time to explain the way the company operate and gave a balanced view on risk and opportunity

Toby's reply

Thank you for your review. I look forward to working with you to help you maximise your investments over the coming years.

Review from verified client

February, 2023

What were the circumstances that caused you to initially look for an adviser?

I needed advice on investing money from an inheritance.

How has Toby Evans helped you?

Yes, he was very good especially as I have very little knowledge in finance.

Have you seen the outcome you were hoping for?

It’s a work in progress, but I am happy so far.

What could they have done better?

No.

Toby's reply

Thank you for your review. Whilst we are at a very early stage in your investment journey, I am very pleased with the results thus far.

Review from verified client

February, 2023

What were the circumstances that caused you to initially look for an adviser?

We had some money to invest and wanted to maximise the return we could get. Toby provided cogent proposals for making use of the funds through Greenfields/Quilter investments. His arguments ad advice were sound and gave us condicence that the monies were in safe hands.

How has Toby Evans helped you?

Yes,

Have you seen the outcome you were hoping for?

Not quite, but we have been through a great deal of turmoil, globally, with Ukraine and the cost of living crisis etc. So, out hope was for a more positive result, but we recognise that Toby's management of the account (with his colleagues, naturally) has mitigated the potential losses to a great extent and maximised profits where possible.

What could they have done better?

Who knows? I am satisfied that the advisor has performed well.

Toby's reply

Thank you for taking the time to leave me a review. I am pleased that you are content with the performance of your investments relative to other policies you hold and global market conditions. Protecting on the downside is a complex matter, and we are delighted that our portfolios have done just that over the past year.

First impression from a user who is not yet a client

February, 2023

Please provide a brief comment about your experience with Toby

Toby was really helpful and informative and I felt like he listened to our situation and requirements. There was no hard sell just genuine guidance as to how he could help us reach our goals.

Toby's reply

Thank you for taking the time to meet with me and leave me a review. I'm genuinely pleased that you found the meeting to be of benefit, and hope that my proposals to you can help you achieve your goals.

First impression from a user who is not yet a client

February, 2023

Please provide a brief comment about your experience with Toby

Toby has helped me to fully understand the advantages and disadvantages of my objective to minimise IHT liability. He provided a very professional and personable response to my questions.

Toby's reply

Thank you for taking the time to meet with me and leave me a review. I was pleased to be able to offer some clarity on your situation for you, and guide you in what is a complex process with tricky to navigate regulation.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

Had an excellent discovery meeting with Toby when I outlined my financial position and future objectives. This meeting followed emails giving assets and expenditure by email. Toby responded very professionally on how to invest to minimise IHT. I am now reviewing the options.

Toby's reply

Thank you for taking the time to meet with me and leave me a review. I was pleased to be able to offer some clarity on your situation for you, and guide you in what is a complex process with tricky to navigate regulation.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

We had a great meeting with Toby. He took the time to explain everything to us and really listened to what we were after. We felt very positive coming out of the meeting.

Toby's reply

Thank you for taking the time to meet with me and leave me a review. I look forward to working for and with you over the coming years.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

Very helpful going through all aspects of our finances to give us the right advice

Toby's reply

Thank you for taking the time to meet with me and leave me a review. I look forward to working for and with you over the coming years.

Review from verified client

January, 2023

What were the circumstances that caused you to initially look for an adviser?

I was looking for Pension Advice from someone focused on service NOT their commission

How has Toby Evans helped you?

By monitoring my investments and providing timely and good advice

Have you seen the outcome you were hoping for?

Yes, my pension pot continues to grow

What could they have done better?

Nothing

Toby's reply

Thank you for taking the time to leave me a review. I feel passionately that an advisor should work for you, and in your interests, and not be driven by 'commissions', and am grateful that you value this approach.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

I had an excellent first meeting with Toby. He explained everything clearly and succinctly with regards to my situation and was extremely patient with me.

Toby's reply

Thank you for taking the time to leave me a review. It was lovely meeting you, and offering some guidance on your situation.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

Straight forward approach with open frank discussion on points where clarification was needed.

Toby's reply

Thank you for taking the time to leave me a review. It was great to meet you both, and offer some guidance on the various routes you could take to mitigate your IHT liability.

First impression from a user who is not yet a client

January, 2023

Please provide a brief comment about your experience with Toby

Very professional and answer all my questions Very clearly

Toby's reply

Thank you for taking the time to leave me a review. I was pleased to be able to address your concerns, and offer some suggestions to keep low fees on your investments.

First impression from a user who is not yet a client

December, 2022

Please provide a brief comment about your experience with Toby

Toby was very helpful and I felt well supported by him. I was confused on what my options were before the appointment, but Toby helped me see the different possibilities available. Toby made a great point about the importance of my goals and using that to make decisions with the money.

Toby's reply

Thank you for taking the time to leave me a review. I was glad to be able to offer you some clear guidance on the routes available to you, and am pleased that you found our meeting to be of value.

Review from verified client

November, 2022

What were the circumstances that caused you to initially look for an adviser?

Seeking advice for the best way forward to secure financial stability in retirement.

How has Toby Evans helped you?

Advice that was easy to understand and took time to properly explain any questions that arose at our meeting.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Toby's reply

Thank you for taking the time to leave me a review. I'm pleased I've been able to offer some clarity and reassurance on your options for your ongoing retirement.

Review from verified client

November, 2022

What were the circumstances that caused you to initially look for an adviser?

Uncertainty about how to plan for retirement and future investments with professional advisers

How has Toby Evans helped you?

Very professional and was given clear and concise recommendations

Have you seen the outcome you were hoping for?

In respect of financial aspects at the moment it’s very difficult to know which is the best way forward

What could they have done better?

Nothing at present

Toby's reply

Thank you for your kind review. I love helping people to make the most of their money, and particularly enjoyed meeting you both.

First impression from a user who is not yet a client

November, 2022

Please provide a brief comment about your experience with Toby

Very clear and concise advice given in a very professional manner

Toby's reply

Thank you for taking the time to leave me a review. I'm happy you could see the benefits of my advice, and that you have engaged me to assist you with achieving your objectives.

Review from verified client

November, 2022

What were the circumstances that caused you to initially look for an adviser?

I wanted to consolidate my existing pensions of which I had three, and also ensure that I was making the right investment decisions regarding those pensions

How has Toby Evans helped you?

Toby provide me with a very clear understanding and the appropriate rationale for the changes suggested and why these would be right for me personally.

Have you seen the outcome you were hoping for?

It’s early days just now, but I truly believe that although I will see higher costs, in searching out the right IFA, who understands my personal goals and what I am looking to achieve, I have put myself in the best position to maximise the performance of my pension portfolio.

What could they have done better?

It would have been great if I could have gotten the advice for free, but in reality, paying for good advice makes complete sense. Providing the cost of the advice is more than made up by the increased returns, there can really be no complaint.

Toby's reply

Thank you for your kind review. I too wish financial planning costs were covered by a government scheme as they are critical to our futures and mental wellbeing. I look forward to working with you over the coming years and helping you to achieve your goals.

Review from verified client

November, 2022

What were the circumstances that caused you to initially look for an adviser?

My parents introduced me to Toby as he is their financial adviser, and I needed some help with inheritance planning.

How has Toby Evans helped you?

Toby helped me navigate the recent mortgage interest rate rise, so that my money worked better for me while still protecting my long term financial future.

Have you seen the outcome you were hoping for?

Very much so.

Toby's reply

Thank you for taking the time to leave me a review. I'm so glad that I've been able to help you and your family navigate a very complex situation, and will continue to be here to help you on an ongoing basis.

First impression from a user who is not yet a client

November, 2022

Please provide a brief comment about your experience with Toby

Toby was very quick to respond to my request for arranging a meeting. Had a very good initial meeting where Toby was clear in his explanations. Would recommend.

Toby's reply

Thank you for taking the time to leave me a review. I am very pleased that I was able to help you understand your options, and look forward to working for you in the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Very professional and gave us lots to think about. Toby was incredibly knowledgeable and explained things to us extremely well. Would recommend him 100%. Thank you Toby for all your expert help and advice.

How has Toby Evans helped you?

Explained things extremely well , so that we understood our situation. Offered helpful sound advice.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing really. All very professional.

Toby's reply

Thank you for taking the time to leave me a review. I was pleased to be able to gain a comprehensive understand of your full financial picture and goals for your life and money, and look forward to working with you to help you achieve these.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Continued investment, pensions and inheritance tax planning.

How has Toby Evans helped you?

Following thorough requirement and fact finding meetings, Toby put together a clear and concise tax efficient plan for future pension/investment drawdowns whilst being mindful of income tax and future inheritance tax.

Have you seen the outcome you were hoping for?

Yes, though current market turmoil has had a negative impact on various aspects of our current strategy - but this is why you invest for the long term. I have every confidence in Toby and the rest of the team.

What could they have done better?

Nothing. I have found Toby to be a pleasure to deal with, He is very courteous, great listener and very professional.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future. I'm grateful for your kind words and vote of confidence.

First impression from a user who is not yet a client

October, 2022

Please provide a brief comment about your experience with Toby

Great initial, no obligation, chat with Toby. Very professional, clear explanations and gave me a good outline for future finance planning

Toby's reply

Thank you for taking the time to offer me your review. I am pleased to have been able to offer you a roadmap to helping you towards your financial goals.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

My wife & are at a point in life where it is helpful to consider options for investment and also to look at the implications of inheritance tax in relation to our estate.

How has Toby Evans helped you?

Toby summarised very clearly the current state of our finances (income v expenditure). He also offered realistic projections for the future of these under a variety of future circumstances.

Have you seen the outcome you were hoping for?

We believe the advice we received was of sufficient quality to enable us to make well informed decisions.

What could they have done better?

The presentation was professional without being intimidating. The absence of pressure selling was very refreshing.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future. I pride myself on not pressurising anyone, so am very pleased to read that you felt this.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Transfer from a retiring IFA

How has Toby Evans helped you?

Portfolio overview and planning

Have you seen the outcome you were hoping for?

Up until recent market turmoil yes

What could they have done better?

Improved comms in declining market

Toby's reply

Thank you for taking the time to leave me a review. I welcome all feedback, and in response to your comments I am pleased to advise that I will shortly be starting a regular, fortnightly bulletin to all of my clients, sharing market updates and key personal finance insight.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

My father needed a long term strategy to pay for care home fees.

How has Toby Evans helped you?

He discussed with me the various options available and advised me of the best route to take.

Have you seen the outcome you were hoping for?

Yes my father now has in place a lifetime annuity which will pay for most of his costs and provides me with peace of mind.

What could they have done better?

Nothing.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to have been able to help, and am always available to assist you again the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement and needed advice with options and cash flow planning.

How has Toby Evans helped you?

He took time to understand my position and then ran scenarios for me to consider. He also recommended ways to materially improve my investments in the run up to quitting work.

Have you seen the outcome you were hoping for?

Yes. I am in a comfortable place as I approach retirement with a clear plan courtesy of Toby.

What could they have done better?

Not really.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

I needed to know how best to save money for my future.

How has Toby Evans helped you?

Toby helped me look clearly at my income and outgoings. He then helped me to look at different investment and pension opportunities based on my goals. He also helped me to review my current investments and pensions to maximise their potential. The amount that I have saved in tax more than covered the extremely reasonable fees charged compared to other advisers that I approached.

Have you seen the outcome you were hoping for?

Yes. I am very happy with the results so far. Even with the market volatility.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Initially I was looking for sound advise regarding Life Insurance, with Toby being as thorough as he is this soon expanded into longer term financial planning, discussion of Will's, Pensions and savings/Investments.

How has Toby Evans helped you?

Toby has a very wide Knowledge base in this sector, he found me a good policy for my Life Insurance whilst offering sound advise regarding Pensions, Financial Planning and Savings/Investments

Have you seen the outcome you were hoping for?

Indeed, I am very happy with the outcome I have received

What could they have done better?

Toby did everything correctly in my opinion, as stated he was thorough, engaging and happy to talk subjects around what we were initally due to speak about.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Inheritance

How has Toby Evans helped you?

Toby talked my partner and me through our personal financial goals and aspirations. He provided great advice and our investments have improved considerably since transferring from another advisor.

Have you seen the outcome you were hoping for?

So far I have been very impressed. Toby has performed well above the market despite the volatility in recent years

What could they have done better?

I can't fault Toby or his colleagues. My emails are responded to promptly whenever I have a question or query.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

With a view to taking early retirement from work I needed professional advice

How has Toby Evans helped you?

Toby provided me with great advice and thoroughly looked into my finances before putting into place an investment package that fitted my personal needs and aspirations going forward into the retirement I am now enjoying

Have you seen the outcome you were hoping for?

Yes I have , it has allowed me to enjoy retirement in the knowledge that my financial future is being managed professionally and by someone who has taken the time to really engage with me and deliver what I was looking for .

What could they have done better?

Nothing really Toby has been really good from day one and his advice and the service he has provided has been excellent

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

I needed help around consolidating my investments and with IHT planning

How has Toby Evans helped you?

He is calm, patient and articulate. He is very clear in his communication and there is never any pressure from him. It’s clear he puts his clients first.

Have you seen the outcome you were hoping for?

Yes

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

Needing pensions, investments & life insurance

How has Toby Evans helped you?

Excellent and logical advice, phrases things in a very simple and easy to understand way.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.

Review from verified client

October, 2022

What were the circumstances that caused you to initially look for an adviser?

We were initially looking for advice regarding my Mother In Law's care costs. This developed into a wider conversation about our finances and it became apparent that there were many more and better options than we'd considered.

How has Toby Evans helped you?

Toby has helped us set up pensions and long-term investment plans, and helped us get our heads around existing pensions. He has listened to our circumstances and requirements and given well thought-through options which suit our timescales, income and financial plans. Toby is always willing to chat through questions on an ad hoc basis.

Have you seen the outcome you were hoping for?

Toby drew my attention to a Capital Gains Tax issue which I wasn't aware of. Knowing this saved me several thousand pounds - which is definitely an outcome I appreciated! Investments have been made for the long-term, so it is currently too early to say.

What could they have done better?

Nothing - very happy with the service and the advice.

Toby's reply

Thank you for taking the time to offer me your review. I am delighted to be able to help, and look forward to working for you long into the future.