0330 038 8938
Based in Halifax
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: November, 2019
4.8 out of 5
Checks carried out by VouchedFor
FCA Regulated
Toby and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 28 February 2026
Toby and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
22
Recent Client Reviews
Toby has received 22 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Toby has received 22 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 19 January 2026
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
6
Qualifications Uploaded
Toby has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
6 qualification certificates available to view
Toby has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Toby has not yet added their fees to their profile
Fees not yet added
Toby has not yet added their fees to their profile
7
Positive First Impressions
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Toby (based on 7 first impressions)
86% of users who are not yet clients had a positive first experience with Toby
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Toby (based on 7 first impressions)
Plan for tomorrow, live for today. This is our core philosophy at Investing For Tomorrow. We will give you truly independent financial advice to help you live life on your own terms - building the financial security to enjoy rich life experiences and be ready for whatever the future holds. Whether it is a holiday home in Portugal, a retirement cottage on the Northumbrian Coast or a round-the-world cruise, we can tell you what it would take and more importantly, how to make it happen. Together, we’ll explore your passions and life goals - both for the future and for today. After that it all comes down to simple mathematics. We will find the solutions to make the most of your money so that you can make the most of your life. Our Chartered status shows that we have reached and maintain the highest level of professional achievement. Working with us you are assured of services built on excellence, integrity and ethical practice.