Business Details
11 Years
experience
Independent Financial Advisers in Knutsford
Established in 2015, Toft Financial provides independent financial advice tailored to individual client needs. We are FCA regulated and committed to delivering impartial guidance through a bespoke approach, ensuring solutions align precisely with personal circumstances. Our team leverages extensive industry experience and collaborates with Keystone Financial for technical support, research tools, and compliance monitoring.With a focus on retirement planning, estate planning, and investment strategies, we prioritise continuous professional development to maintain high advisory standards. Our process includes comprehensive reviews, risk assessments, and coordinated implementation of recommendations, supported by a client-centric ethos and transparent communication.
Services
Financial Planning
Retirement Planning
Estate Planning
Investment Portfolio Review
Inheritance Tax Mitigation
Cash Flow Modelling
Details
- Year established: 2015
Highlights and features
- We are FCA regulated, ensuring compliance and trust in our financial advice.
- Our bespoke approach tailors solutions to individual client needs and circumstances.
- We utilise industry-leading research tools and collaborate with Keystone Financial for technical support.
- Our team holds specialist qualifications, including STEP certification for estate planning.
- We prioritise continuous professional development to maintain high advisory standards.
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our financial planning service creates customised strategies to meet long-term goals, including retirement income, investment growth, and risk management. We conduct detailed reviews of existing arrangements, assess risk tolerance, and develop actionable plans to ensure clients remain on track towards their objectives.
Estate Planning
Estate planning ensures your assets are distributed according to your wishes while minimising tax liabilities. We collaborate with The Will Company Limited to provide Wills, Lasting Powers of Attorney, and trust solutions, offering comprehensive guidance on probate and succession strategies tailored to individual circumstances.
Retirement Planning
Retirement planning focuses on optimising pension arrangements and income strategies for post-retirement security. We analyse current pension provisions, assess tax implications, and recommend adjustments to maximise returns, ensuring clients achieve their desired lifestyle in retirement while complying with evolving regulatory requirements.
Investment Portfolio Review
This service evaluates existing investment portfolios to ensure alignment with financial goals and risk profiles. We assess performance, diversification, and tax efficiency, providing recommendations to enhance returns or rebalance assets. Regular reviews help clients adapt to market changes and personal circumstances.
Cash Flow Modelling
Cash flow modelling projects future income and expenditure to inform financial decisions. We create detailed scenarios to test the sustainability of retirement plans, major purchases, or investment strategies, helping clients understand potential outcomes and adjust plans proactively for financial stability.
People
Duncan Selkirk
Director and Independent Financial Adviser
With 19 years of experience, Duncan specialises in pensions, retirement planning, and estate planning. He holds STEP certification and focuses on delivering tailored financial solutions while maintaining a client-first approach.
Nancy Selkirk
Head of Support Services
Nancy manages client reviews, prepares documentation, and liaises with providers. She is studying at The College of Will Writers to expand her expertise in Wills, trusts, and probate services.
Questions
What financial services does Toft Financial Planning offer?
We provide financial planning, retirement planning, estate planning, investment portfolio reviews, inheritance tax mitigation, and cash flow modelling tailored to individual needs.
Are you regulated by any financial authority?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) to ensure compliance and client protection.
How do you tailor financial advice to individual clients?
We conduct detailed consultations to understand your goals, risk tolerance, and circumstances, creating bespoke strategies rather than generic solutions.
Do you offer a free initial consultation?
Yes, we provide a free initial consultation to discuss your financial needs and explore how we can assist you.
How often are financial reviews conducted?
We agree on a review schedule with clients to monitor progress and adjust plans as needed, typically annually or biennially.
What areas do you serve?
We primarily serve clients in Cheshire and Knutsford, offering localised financial advisory services.
