Toft Financial Planning
104 Grove Park, Knutsford, Cheshire WA16 8QB 01565 649491
Independent financial advisers
Independent financial advisers
Cheshire based - helping local people plan their financial future Cheshire based - helping local people plan their financial future

Cheshire based independent financial advisors - helping local people plan their financial future

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TOFT FINANCIAL PLANNING

Financial Planning

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.

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Retirement Planning

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.

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Estate Planning

If you have children under the age of 16, your will should determine who would look after them in the event of your death. This is classed as the guardianship clause within your will.


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Delivering independent financial advice

We have developed a financial planning process which helps our clients to identify and meet current financial planning objectives and enables us to monitor their progress to ensure that they remain on track with their financial goals.

To do this, we employ the following steps:

TOFT Financial Planning

Establishing a client relationship

We will clearly explain the services to be provided to you and will define your and our responsibilities within our relationship. We will explain how and when the firm will be paid and agree how long the professional 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 then 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 will 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.

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CONSULTANCY

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.

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OUR SERVICES

What we have to offer

Investment portfolio review

Investment portfolio review

Financial planning

Financial planning

Care fees planning

Care fees planning

Cash flow modelling

Cash flow modelling

Estate planning

Estate planning

School Fees Funding

School Fees Funding

Occupational pension

Occupational pension

Inheritance tax mitigation

Inheritance tax mitigation

Retirement planning

Retirement planning

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INDEPENDENT FINANCIAL ADVICE

We offer a comprehensive range of individual financial planning services including:

Care Fees Planning
Savings & Investments
Retirement Planning
Financial Protection
School Fees Funding
Tax Planning & Mitigation
Wills, Trusts & Lasting Powers of Attorney
Retirement Income Modelling & Shortfall Planning

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ABOUT US

Key features of our company

Fully Independent

Competitive Fees

Pension Specialists

FCA Regulated

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 provide compliance and regulatory to Toft Financial and access to O&M Profiler, which is the one of the UK's leading independent systems for pension and investment research. In addition, we have now recruited an administrator who will start working for Toft Financial in October. We have chosen to do this as part of our ongoing commitment to deliver a high quality financial planning service to you, our client.

Key team members

Duncan

Duncan Selkirk

Director and Independent Financial Adviser

Duncan has been a financial adviser for 17 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!

Charisse

Charisse Black

Will and Lasting Power of Attorney Consultant

Charisse has recently become an Associate of the Institute of Professional Will Writers and helps clients to write and update their Wills and Lasting Powers of Attorney to make sure they continue meet with their wishes.

Charisse has worked as a teacher and in her spare time enjoys taking her two dogs for long walks in the Cheshire countryside.

Support services

We also have access to a Pensions Specialist who is one of the most highly qualified financial advisers in the UK.

As an appointed representative of Keystone Financial Limited, a regional firm who provide a number of services to local financial advisers, Toft Financial Planning Limited benefit from a wide range of additional support services including: Technical support, Fund management service, Research package, Support and training for additional financial services 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.

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CONTACT

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:

104 Grove Park, Knutsford, Cheshire, WA16 8QB

Phone: 01565 649491

Email: info@toftfinancial.co.uk


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