Toby Evans

Please provide a brief comment about your experience with Toby

We couldn't be more grateful for the time and attention Toby has dedicated to helping us. From the moment we sat down with him, it was clear that he truly cared about understanding our unique situation. Toby spent hours listening to our concerns, goals, and aspirations, leaving no stone unturned in assessing where we currently stand financially. Toby's approach was thorough, detailed, and thoughtful, providing us with a clear picture of both the opportunities available and the potential challenges ahead. We had been feeling quite anxious about our lack of planning, but after just one appointment with Toby, we now feel empowered and confident in moving forward.

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

We had a box of pension, mortgage and life insurance letters a mortgage coming to its end and a mortgage shortfall the clock was ticking.

How has Toby Evans helped you?

Toby and his team put a lot of time and effort to sort out our financial affairs, placing the funds in to the growth risk profile we are comfortable with chasing all loose ends and advising on a secure way towards retirement that would otherwise been unachievable.

Have you seen the outcome you were hoping for?

Yes we have Our mortgage will be paid off this year, and we can look forward to a better retirement than we thought possible.

What could they have done better?

There may be things, but I am not aware, and am a very happy client.

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

Pension

How has Toby Evans helped you?

Given some very good advice and which helped grow my pension pot.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

This review is a follow-up review from a client who left a review previously.

How has Toby Evans helped you since your last review?

Continued great advice and service. Thanks once again for all your knowledge and help. We are very happy with your expert help.

This review is a follow-up review from a client who left a review previously.

How has Toby Evans helped you since your last review?

He keeps us up to date with relevant legislation, plus monitoring the current state of our finances with a view making adjustments to our investments as necessary.

This review is a follow-up review from a client who left a review previously.

How has Toby Evans helped you since your last review?

Toby continues to manage my portfolio diligently and this allows me to enjoy the fruits of my retirement on the back of his previous pension advice

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

To use our money wisely due to having a dependent adult son.

How has Toby Evans helped you?

Sound practical financial advise delivered in a trustworthy and professional manner.

Have you seen the outcome you were hoping for?

Yes at our annual review

What could they have done better?

Nothing - happy with all aspects.

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

The need to plan for the future following retirement and secure the best possible returns to safeguard our future.

How has Toby Evans helped you?

Has helped me to regularize our money pot following retirement to get the best possible returns.

Have you seen the outcome you were hoping for?

Yes, even better than expected.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Toby

Toby was recommended to me and didn't disappoint. He answered all my questions and gave me some great advice and put my mind at ease on certain matters.

Please provide a brief comment about your experience with Toby

Our initial consultation with Toby was very thorough and comprehensive. He explained everything very clearly and obviously cares about his clients and their aspirations very much.

Please provide a brief comment about your experience with Toby

Toby took the time to understand our situation and guided us through the process. Gave great advice and helped steer us in the right direction. I will be seeking Toby’s help in the future.

Please provide a brief comment about your experience with Toby

Toby is knowledgeable and picks up the relevant client information with skill and ease. He facilitated our meeting and conveyed quite clearly the pertinent financial points and pit falls. Without his experienced input we might have trodden a very different path and I now understand how we could have got things wrong. I will sleep more easily following our meeting. I will consult him again in the future and recommend him whole heartedly to anyone wanting to plan for their financial future.

Please provide a brief comment about your experience with Toby

Toby takes a lot of time to find out about us and what are hopes for the future are so that his advice is tailored to us

Please provide a brief comment about your experience with Toby

We were unsure as to how our pensions were performing and Toby spent a considerable time investigating and discussing our options in order to help us plan for retirement. We are very happy with the advice he has provided.

Please provide a brief comment about your experience with Toby

A very informed, educational, and most importantly non-judgemental discovery meeting with Toby.

Please provide a brief comment about your experience with Toby

Incredibly insightful, helpful and met us at our level of understanding which was appreciated!

Please provide a brief comment about your experience with Toby

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.

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

Pensions needed attention

How has Toby Evans helped you?

He has given us peace of mind that our pensions are now working as well as they can for us and shown us what our likely financial position will be in the future

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

Nothing

Please provide a brief comment about your experience with Toby

I have had previous contact with Toby associated with dealing with a relative's finances so I was confident that I would receive a good level of service. I have reached an age when retirement is looming large and the panic sets in as to whether I am ready for my next stage in life. Toby is very calm and professional to deal with so I felt more positive about the future. He keeps things focused which as an engineer suits my personality.

Please provide a brief comment about your experience with Toby

My husband and I were a little nervous and apprehensive prior to our appointment with Greenfields, but as soon as we arrived Toby was waiting to greet us and immediately put us at ease. 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 options available to us. We would definitely recommend Greenfields and look forward to the benefits of their services in the future.

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

I have my first baby on the way and as the sole provider for my family I wanted to take out a life insurance policy that would ensure they were taken care of if something happened. I also wanted advice on mortgages and my options with moving to self employment.

How has Toby Evans helped you?

Toby and I sat down, discussed my financial goals and decided what my family and I needed in terms of insurance cover. We discussed me moving into self employment and what that could mean for my mortgage and potential future property purchases. I have never used a financial advisor before and Toby explained everything in a way I could understand. He sorted my life insurance policy for a great price (much less that I thought it would be). I feel much better about my future and my business moving forward.

Have you seen the outcome you were hoping for?

Absolutely, I have a high rate of cover from a good company at allow monthly payments. I feel much more secure when I think about my family and what would happen if I wasn’t around.

What could they have done better?

Nothing.

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

I had money put aside for me in an ISA that I wanted to invest but didn't know where to start. I also wanted to explore the possibility of life insurance policies.

How has Toby Evans helped you?

Toby offered great advice and took his time with guiding me through my options for my investment opportunities. I was a complete novice in terms of financial knowledge, but Toby made sure to explain everything in a way I could understand, leaving me feeling empowered and confident. We discussed my expectations and my feelings about risk when investing money, Toby gave great advice and came up with a plan moving forwards that made me feel secure in where I put my money. I also wanted to explore options for life insurance moving forward. Toby helped me make a plan for the future and map out the best possible routes I could take.

Have you seen the outcome you were hoping for?

Absolutely! My investments have made good, secure returns and, thanks to Toby's guidance, I have been able to put money safely aside for a deposit on a house.

What could they have done better?

I have nothing to suggest, everything has been great.

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

We have been users of IFAs for many years, however our previous IFA was not performing, and our investments were not performing in line with industry benchmarks. Given we had just moved AND started our retirement - we were not confident on our long term financial position (nor for that matter our short term position). As such we were looking for someone to address these issues.

How has Toby Evans helped you?

Toby carried out an across the board review of our finances, taking time to explain options and approaches that we could take. He carried out detailed financial planning which clearly showed us our true financial position, along with future inheritance and other tax situations. Toby's approach is very friendly, but where necessary he challenged pre-conceived (incorrect) ideas we had. It was very refreshing to meet an IFA who was happy for us to spend money rather than wanting us to give it all to him to invest.

Have you seen the outcome you were hoping for?

In short - "yes", and more: We now have a clear understanding of our financial position; Our investments are performing in line with expectations; We are no longer concerned about our future financial position; We are enjoying retirement without worrying about making ends meet. Note - we walked out from out first meeting with Toby and booked our first decent holiday in ages!

What could they have done better?

Nothing comes to mind

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

Bad experience / poor performance of previous financial advisor.

How has Toby Evans helped you?

Toby has been brilliant at explaining how we can get the best from our investments and pensions. He has explained everything in detail, answering all our questions clearly; this has given us the confidence to enjoy our retirement now without worrying about how our finances will be in the future.

Have you seen the outcome you were hoping for?

100% yes.

What could they have done better?

Nothing, it was all excellent.

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

Consolidation of pensions.

How has Toby Evans helped you?

Toby has been incredibly clear and professional throughout our interaction and offered sound financial guidance, based on a thorough understanding of our circumstances and needs.

Have you seen the outcome you were hoping for?

Yes.

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

Looking to ensure investments were being handled in the best and most tax-efficient way.

How has Toby Evans helped you?

Toby has helped me by considering all aspects of my financial status to form a plan that works in the immediate, short-term and long-term future. He has also provided sense checks and sound advice on financial matters that have been really helpful.

Have you seen the outcome you were hoping for?

Yes, I have seen growth in the areas expected with the appropriate appetite to risk applied.

What could they have done better?

Nothing

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

A pension pot that was not performing as well as I had hoped

How has Toby Evans helped you?

I feel confident that I am in the best investment portfolio to suit my needs

Have you seen the outcome you were hoping for?

Yes, but i understand that it has been a particularly good year for those with savings and that a good outcome does not necessarily mean making an increase in savings. It can mean keeping a loss to a minimum when the markets are poor.

What could they have done better?

nothing. We have a agreed to take a slightly higher risk profile for the coming year.

Please provide a brief comment about your experience with Toby

After only my first meeting with Toby it was clear to see that he is passionate, knowledgeable and a well respected financial advisor. The interaction satisfied all my expectations of a first meeting and provided me with the reassurance and belief that he is someone I would be interested to work with and could trust to help me achieve my financial goals, with honest and independent advice. I look forward to a second meeting and building a professional relationship.

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

Myself and My Partner needed advice on what sort of policies would be beneficial to financially protect our family and enable us to plan effectively for a comfortable retirement.

How has Toby Evans helped you?

Toby's was able to advise on which policies would be best suited to our family and was able to explain all of the benefits of the products in a way that we could understand. He kept the paperwork side for us to a minimum and is always more than happy to take time to clarify any questions we may have. He offered his advice and allowed us to make informed decisions on what was best for us within our budget.

Have you seen the outcome you were hoping for?

Yes!! Our pensions have performed well over the last 12 months and we feel safe in the knowledge that we have a number of policies in place to protect our family in a variety of circumstances.

What could they have done better?

Nothing. The level of service was excellent and Toby is a confident and knowledgeable advisor.

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

Initially I need an advisor to help me invest proceeds of an endowment. Later pension advice and consolidation proved extremely valuable. And now I'm retired and taking drawdown maximising my investments is essential.

How has Toby Evans helped you?

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. The way commissions are structured eliminates any potential for conflict of interest when it comes to moving investments (a rare thing amongst advisors in my past experience). Trust is a huge factor when it comes to managing my lifetime accrued assets, and I find great comfort having Toby as my advisor. To be able to retire comfortably in my early 50s is in a great part due to the sound advice I've received. I can't thank Toby enough!

Have you seen the outcome you were hoping for?

With so much financial turmoil over the recent years I feel the outcomes are probably better than I have right to expect. Being retired earlier than plan in one's fifties in a sound financial position is a blessing. I would not be in such a fantastic position without regular high quality financial advice.

What could they have done better?

My investments grow, admin and paperwork are efficient, my questions are answered fully and quickly, communications are good, we meet face to face when appropriate... I struggle to find suggestions for improvement. Perhaps the only opportunity would be to find a crystal ball to predict the next market disruption, but that's snake oil and Toby believes in data so I won't hold my breath.

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

We didn’t feel confident we had adequate cover for every potential situation that could arrive whilst raising a family.

How has Toby Evans helped you?

Certainly.

Have you seen the outcome you were hoping for?

Yes and I’d go back again for advice.

What could they have done better?

It wasn’t always clear what I needed to sign, maybe the odd email didn’t get through? That could have been my end though. I also thought the review request came a little too soon but perhaps it was to catch people who didn’t go on to use the services.

This review is a follow-up review from a client who left a review previously.

How has Toby Evans helped you since your last review?

Following the consolidation of my pensions under a single scheme with Toby, I feel that my finances are now more actively managed. They have also outperformed my expectations too. Toby has been keen to understand me and my objectives to ensure that the appropriate financial management strategy is deployed.

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

Approaching retirement

How has Toby Evans helped you?

Honed my plans to bemore in line with my core values.

Have you seen the outcome you were hoping for?

Yes, Toby performed the role of knowledgeable, critical friend giving me confidence to go forward.

What could they have done better?

Life planning relevant to good friends/family to support one another but not financially linked as well as couples.

Please provide a brief comment about your experience with Toby

Very thorough

This review is a follow-up review from a client who left a review previously.

How has Toby Evans helped you since your last review?

Toby has been wonderful. Really listens to my wants and needs and has provided excellent guidance to help me meet my goals. Thank you

Please provide a brief comment about your experience with Toby

My meeting with Toby was extremely beneficial regarding my financial life planning. He discussed creating a customized financial strategy that will help me achieve my short-term and long-term objectives while maintaining financial stability and well-being. I was very impressed by Toby's professionalism and would not hesitate to recommend him.

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

It was essential we organised our financial affairs along with planning for the future - Toby was able to qualify all areas of concern and then act upon it to resolve the weaknesses in our current status.

How has Toby Evans helped you?

He took it upon himself to thoroughly investigate our circumstances and then proceeded to act upon the his advise through every step of the process, and was incredibly tenacious whilst dealing with providers.

Have you seen the outcome you were hoping for?

Yes all concerns have been resolved.

What could they have done better?

No comment required.

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

Protection and Pension planning

How has Toby Evans helped you?

Giving very clear and professional guidance.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing that I can think of, Toby covered all areas and was a great source of knowledge

Please provide a brief comment about your experience with Toby

Toby gave me swift, excellent advice for my financial situation.

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

Increased income

How has Toby Evans helped you?

Understand the best ways to manage my money and pension

Have you seen the outcome you were hoping for?

I will in the future

What could they have done better?

Nothing

Please provide a brief comment about your experience with Toby

great advice put my mind at rest will sleep well tonight thank you again Toby Elaine Lewis

Please provide a brief comment about your experience with Toby

Toby was very informative and explained everything really well to us, he took a lot of time to learn about us, and help us to define and understand our goals, and the whole meeting was conducted keeping all of our goals in mind. He put forward lots of really useful suggestions that we had not even thought of previously and also demystified a lot of things for us.

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.

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.

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.

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.

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.

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.

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.

Please provide a brief comment about your experience with Toby

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

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

I have limited knowledge in these areas.

How has Toby Evans helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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.

Please provide a brief comment about your experience with Toby

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

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

Selling a house

How has Toby Evans helped you?

Looking to invest safely in accordance with our wishes

Have you seen the outcome you were hoping for?

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

What could they have done better?

Nothing

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.

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.

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.

Please provide a brief comment about your experience with Toby

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

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

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.

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

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.

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

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.

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

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.

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.

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.

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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.

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.

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.

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

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

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.

Please provide a brief comment about your experience with Toby

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

Please provide a brief comment about your experience with Toby

Very professional and answer all my questions Very clearly

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.

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

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

Please provide a brief comment about your experience with Toby

Very clear and concise advice given in a very professional manner

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.

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.

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.

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.

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.

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

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.

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

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.

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.

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.

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.

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

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.

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

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.

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