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TORO INSIGHTS
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84% of People Say Financial Advice Boosted Their Wellbeing – Here's Why
By Luke Turner, Independent Financial Adviser at Toro Wealth Planning In today's fast-paced world, financial stress is one of the leading contributors to anxiety and poor mental health. It’s no surprise then, that a recent study by the International Longevity Centre UK (ILC) found 84% of people who speak to a financial adviser report improvements in both their financial situation and mental wellbeing 1 . At Toro Wealth Planning , we believe that quality financial advice goes
Luke Turner
4 days ago3 min read
How to Maximise your Limited Company Finances - Real Client Case Study
By Luke Turner, Independent Financial Adviser If you’re a limited company director, you may already be ahead of the curve when it comes to managing your finances tax-efficiently. But for many business owners, the journey often stops at the basics—drawing a small salary, topping up with dividends, and leaving surplus funds in the business account. There’s so much more that can be done. At Toro Wealth Planning , we work closely with limited company clients to make sure their p
Luke Turner
4 days ago4 min read
Case Study: Rob & Sarah — Getting Organised, Growing Wealth & Giving Back
By Luke Turner, Independent Financial Adviser at Toro Wealth Planning Meet Rob & Sarah Rob and Sarah came to me in their mid-50s , both still working and starting to seriously consider their long-term financial future. They have three grown-up children, had just welcomed their first grandchild into the world, and were starting to feel the pull between wanting to enjoy life now and planning for retirement. Rob had recently inherited £250,000 from his late mother’s estate and
Luke Turner
4 days ago4 min read
How Cashflow Modelling Can Help You Retire Earlier
By Luke Turner, Independent Financial Adviser at Toro Wealth Planning One of the most common questions I hear from clients is: “When can I afford to retire?” It’s a big decision, and it’s rarely just about the size of your pension pot. Your lifestyle, spending habits, family commitments, and even future uncertainties all play a role. This is where cashflow modelling becomes such a powerful tool. At Toro Wealth Planning, we use specialist financial planning software to build
Luke Turner
Sep 42 min read
How We Helped a Client Earning £250k Save Thousands in Tax, On Track to Retire 11 Years Early (& counting)
By Luke Turner, Independent Financial Adviser At Toro Wealth Planning , we often work with clients whose income has grown rapidly over a short period. In this case study, we explore how we helped one high-earning professional reduce their tax bill significantly, make smarter use of their cash, and bring forward their retirement by over a decade — all by understanding the power of “sacrifice.” The average retirement age in the UK is currently around 65 for men and 64 for women
Luke Turner
Jul 304 min read
Reducing a £2m Inheritance Tax Bill — A Client Case Study
The client names have been changed for the purpose of this case study. By Luke Turner, Independent Financial Adviser Inheritance Tax (IHT) can sometimes be one of the most emotionally and financially frustrating taxes for many families — especially when it could mean a significant portion of your wealth goes to HMRC rather than your children or grandchildren. Recently, a couple – Mr and Mrs Jones, aged 60 and 61 – came to me with a challenge: their projected IHT bill was over
Luke Turner
Jul 214 min read
Where do younger people get their financial advice?
Most younger people look to social media for finance tips and guidance. The average age of financial advisers in the UK is currently 58, which raises significant concerns about the future of financial guidance as this demographic approaches retirement. In the coming years, we are likely to witness a monumental transfer of wealth as assets shift from older generations to younger ones, particularly millennials and members of Generation Z. This transition underscores the critica
Luke Turner
Jul 32 min read
Unlock Your Financial Freedom with Toro Wealth Planning
In today's fast-paced world, achieving financial freedom can feel like a distant dream. Many people struggle with budgeting, saving, and investing. However, with the right guidance and tools, you can take control of your financial future. Toro Wealth Planning is here to help you navigate the complexities of personal finance and unlock the door to your financial freedom. Financial freedom means different things to different people. For some, it may mean being debt-free, while
Luke Turner
Jul 35 min read
Book Your Free Consultation with Toro Wealth Planning
Are you feeling overwhelmed by your financial future? Do you have questions about investments, retirement, or saving for your children's education? If so, you are not alone. Many people find financial planning to be a daunting task. Fortunately, Toro Wealth Planning is here to help. By booking a free consultation, you can take the first step toward achieving your financial goals. At Toro Wealth Planning, we understand that every individual has unique financial needs. Our team
Luke Turner
Jul 35 min read
Smart Financial Planning Solutions for UK Residents
In today's fast-paced world, financial planning is more important than ever. For UK residents, navigating the complexities of personal finance can feel overwhelming. With rising living costs, fluctuating interest rates, and the uncertainty of the job market, having a solid financial plan is essential. This blog post will explore smart financial planning solutions tailored for UK residents, helping you take control of your financial future. Understanding Your Financial Goals
Luke Turner
Jul 35 min read
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