We understand that individual needs vary. That’s why we stand against the prevailing trend of consolidation in the financial services industry. We believe that this approach often results in an over-reliance on in-house platforms, portfolios, and standardised advice processes.
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5 customer reviews
Henry E
Toby and I had a Teams meeting to review my investment and pension accounts, which I have self-managed for over 20 years. Toby's extensive knowledge and investment expertise were exceptional, and we are considering working together on an hourly fee basis.
Judy
Toby came to my house in Oxford and helped me sort through years of paperwork from pension providers. He took smartphone scans of some of the paperwork and his team then sent me pre-populated ‘letters of authority’ via digital signature and in the post.
Nicole was clear explaining that there would be no charge payable for the research and initial report, and that fees would be laid out clearly in the initial report and I can choose how to proceed.
Some of the pensions were in my maiden name which I had tried to change several times over the years. Forefront were extremely efficient in updating my name on all of my plans and once all information from the plans had been gathered (which took over two months however I was kept informed) they prepared the initial report, sent this to me a week before calling to arrange a meeting.
Their recommendation was to amalgamate the pensions with the exception of one which had a higher guaranteed pension. Toby explained the report to me very clearly (even when some of the reservations I had felt silly to explain). He did not charge a fee at all on the plan that he recommended stayed as is, and I opted for the transfer work to be charged on an hourly basis as Toby calculated that this would be better value for money.
I feel extremely satisfied and relieved to have a clear picture of my pensions, and secure knowing that my pension will pass to my children and grandchildren. I was shocked to learn that my will didn't and couldn't include pensions!!!
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Reply from Forefront IFA
Thank you for your kind review, Judy. I was also very pleased to receive the introduction to your husband, Tony, and I look forward to speaking with him about further inheritance tax planning once he returns mid June. Best, Toby
Tim A
The team at Forefront continues to be trustworthy and reliable financial advisors. I consulted with them to consolidate my pensions and start drawing an income.
Reply from Forefront IFA
Thank you, Tim. We enjoyed working with you to create your retirement income forecast, consolidate your pensions, and put in place a managed investment portfolio. I look forward to catching up in January 2025 for our annual review meeting. Please feel free to reach out at any point beforehand. Kind regards, Toby
SM
Thanks to Toby I am now confident in understanding how my finances can work for me. He is an amazing listener and that coupled up with his knowledge and expertise set him apart from other advisors I have used. I always feel Toby is genuinely invested in getting the best for myself and my finances, going above and beyond. More...
RS
I am incredibly grateful for Toby’s outstanding financial guidance. Transitioning my pensions and investments under his expertise was seamless. Toby’s careful attention to detail, coupled with exceptional customer service, sets him apart. Unlike my previous advisor, Toby is consistently accessible and genuinely invested in my financial well-being. Thanks to Toby, I now have a portfolio I am confident in and trust his ongoing care for it. More...
What do you love most about your job?
Empowering clients with personalised financial solutions, helping them achieve their goals, and secure their future.
What inspired you to start your own business?
A passion for finance and a desire to offer unbiased, client-focused advice inspired me to start my own firm.
Why should our clients choose you?
Clients should choose us for our independent, personalised advice, and our unwavering commitment to their financial success.
Can you provide your services online or remotely? If so, please add details.
Yes, we offer comprehensive online services, including virtual consultations and remote financial planning, to accommodate clients' needs.
What changes have you made to keep your customers safe from Covid-19?
We've always offered the option for virtual meetings and have enhanced our digital document handling.
Retirement Planning
Planning for retirement is crucial to ensure financial security in your later years. At Forefront, our expert advisers specialise in creating personalised retirement strategies tailored to your needs and goals.
Pension Advice
Navigating the complexities of pensions can be overwhelming. Forefront’s experienced advisers offer clear and independent pension advice to help you make informed decisions about your future. Get in touch with us to explore the best options for your pension savings.
Family Investment Companies
Protecting family wealth for future generations requires careful planning. Forefront can guide you through setting up a Family Investment Company, a tax-efficient way to manage and pass on your wealth.
Investment Management
Maximising your investments requires expert management. Forefront’s dedicated team offers tailored investment management services to help grow and protect your assets.
Independent Financial Advice
Making sound financial decisions is easier with the right guidance. Forefront provides independent financial advice across a range of areas, ensuring unbiased and personalised support.
Cash Flow Forecasting
Understanding your future financial position is key to effective planning. Forefront’s cash flow forecasting service helps you anticipate and prepare for future financial events.
Pension Consolidation
Simplifying multiple pension pots can be advantageous. Forefront’s pension consolidation service helps you bring your pensions together, making them easier to manage and potentially saving on fees.
High Net Worth Financial Planning
Managing substantial wealth requires specialised expertise. Forefront’s high net worth financial planning service provides personalised solutions for affluent clients.
SME Business Financial Planning
Small and medium-sized enterprises encounter distinct financial challenges. Forefront provides specialised financial planning services to help SMEs enhance tax efficiency, often utilising company pension contributions, multi-bank cash yield maximisation platforms, and specialist tax-deductible insurances.
Bespoke Financial Planning
Contact us to explore how we can help you achieve your financial objectives.
