Carrying out regular reviews of your financial arrangements is an essential part of financial planning. Without it, it is difficult to know where you stand in relation to retirement income, savings and investment returns, estate planning etc.
For many people, their pension is likely to be their most valuable financial asset in their lifetime. Pensions have been subject to a number of changes in the last few years which could affect both individual and occupational pensions.
We have developed a trusted professional connection with The Will Company Limited, who provide Wills and LPA's .
Delivering independent financial advice
We have developed a process which helps our clients to identify and meet their financial planning objectives and enables us to monitor their progress to ensure that they remain on track.
To do this, we employ the following steps:
Establishing a client relationship
We will clearly explain the services to be provided and will define your and our responsibilities within the relationship. We will explain how and when the firm will be paid and agree how long the relationship should last.
Gathering data, objectives and goals
We will ask for information about your financial situation and any existing plans you have and will discuss your needs and goals and your ideal timescales to achieve them. We will also discuss how you feel about various financial risks.
Analysing and evaluating your financial status
We will analyse the information gathered to assess your current situation and determine what you need to do to meet your needs and goals and will formulate a plan for you.
Presenting the plans and recommendations
We will discuss the plan and offer recommendations that address your needs and goals and help you understand them fully so that you can make an informed decision.
Implementing the recommendations
We will implement the recommendations for you or coordinate the process if other professionals are required to be involved such as solicitors, accountants or other specialists.
Monitoring and reviews
We will agree a review schedule with you to monitor the progress of the recommendations and make any amendments to them should your circumstances or other relevant factors change.
You can arrange a free initial consultation. This includes a discussion about your financial needs which would help us to understand where you may need assistance. From this, we will explore your options and explain how these may benefit you.
To contact us to arrange your free initial consultation please phone, email or send us a message via our online form by clicking on the link below.
What we have to offer
Investment portfolio review
Financial planning
Inheritance tax mitigation
We offer a comprehensive range of financial planning and advice services
Key features of our company
Fully Independent
FCA Regulated
Toft Financial was established in 2015, with the objective of providing quality Independent Financial Advice to our clients and helping them to identify and realise their financial goals.
We appreciate that everyone's circumstances and requirements will be unique. Therefore, we take a bespoke approach to providing advice, paying careful attention to each person's individual needs. This helps to ensure that our advice is tailored to exact requirements, rather than just picking an 'off the shelf' solution.
Ours is a professional approach, treating all our customers fairly when addressing their needs. We are committed to our program of continuous professional development.
We have the support of Keystone Financial, who monitor our compliance and ensure that we are up to date with all aspects of regulatory and tax matters. In addition, they provide us with access to a number of industry leading independent research systems and tools to help to ensure that we deliver the best, truly impartial financial advice to our clients.
Director and Independent Financial Adviser
Duncan has been a financial adviser for 19 years, during which he has spent time working in a number of specialist roles including estate planning advice, pensions (including company pensions) and retirement planning and business exit planning.
Duncan holds a number of specialist qualifications and he is one of a very exclusive group of advisers to have passed the STEP (Society of Trustee and Estate Practitioners) Certificate for Financial Advice.
Away from work, Duncan is married and he has two young daughters. He enjoys golf, skiing, watching rugby and occasionally going to the gym, though running around after his daughters keeps him fit!
Head of Support Services
We are delighted to announce that Nancy has joined Toft Financial Ltd. Nancy will be providing support with both research and delivering our ongoing financial planning review service to our clients. This will include preparing review documents, arranging review meetings and liaising with investment providers.
In addition, Nancy is currently undertaking a study program at The College of Will Writers, with a view to offering Wills, Last Powers of Attorney, Trusts and Probate services.
As an appointed representative of Keystone Financial Limited, a national firm who provide a number of services to financial advisers, Toft Financial Planning Limited benefit from a wide range of additional support services including: technical support, research package, support and training for qualifications.
The support and services that Keystone Financial Ltd provide to Toft Financial enables us to spend more time focusing on helping our clients and providing a high standard of advice.
Not sure what's best for you? Let us help you decide.
Get in touch to book a free appointment. Send us a message or request a call-back:
Marble Arch, King Street, Knutsford, Cheshire, WA16 6HD
Phone: 01565 634084
Email: info@toftfinancial.co.uk
