Read these before working with us.

Financial advice can feel daunting if you've never worked with a financial adviser before. The 3 questions and answers below will help you decide whether – and why – working with us could be right for you.

Why should you work with Toro WP?

Understand why our clients love working with us...

Read our testimonials

Read our case studies

MODERN, INDEPENDENT PLANNING

Technology and modernity have been embraced, meaning you'll get an efficient service that moves with the times. We're independent, which means we're not tied to any providers or funds - we choose what's right for you.

NO JARGON

We make financial planning easy and accessible, giving you a crystal clear understanding of what's going on.

PERSONAL TOUCH

You won't be made to feel like a number. Regardless of the size of your portfolio, you will be given the same care and attention to detail. Just as we would expect if it were our own money.

What is the planning process?

Understand what happens when you meet with a Financial Adviser...

Let's Go

1

BOOK AN INITIAL MEETING WITH US

Schedule a no-obligation meeting to discuss your goals, ask questions, and see how we can help. It’s your opportunity to get to know us and explore whether we’re the right fit for you. This is completely free of charge.

2

COMPLETE THE FACTFINDING PROCESS

We'll talk through your goals, personal circumstances, and attitude to risk to build a clear picture of your financial needs & how to achieve your objectives.

3

IMPLEMENT RECOMMENDATIONS

We’ll take the time to walk you through our recommendations, ensuring you fully understand how they align with your goals. Once you're happy to proceed, we’ll take care of putting everything in place – including opening any necessary accounts and implementing the agreed strategy. At this stage, our fees will become payable.

4

REVIEW REGULARLY

We meet with you regularly to ensure your financial plan remains on track. You'll receive ongoing communications, updates, and tailored resources. We’ll also review any changes in your life or goals to make sure everything stays aligned with your needs. And repeat!

Is Financial Planning right for you?

Financial planning isn’t just for the wealthy or those nearing retirement – it’s for anyone who wants to take control of their finances and make confident, informed decisions. Here's how financial planning can support you at every stage of life:

Risk Warnings:

The Financial Conduct Authority does not regulate estate planning, tax advice, Wills, or Powers of Attorney.
Pensions and investments can fall as well as rise in value, and your income is not guaranteed.
Tax treatment depends on individual circumstances and may be subject to change

Your 20s & 30s: BUILDING FOUNDATIONS

Start healthy financial habits early
Budgeting, saving, and building an emergency fund
Buying your first home or starting a family
Managing student loans and other debts
Getting on track with investing and pensions
Protection planning (e.g. life and income protection)
How to invest your inheritance

Your 40s & 50s: GROWING WEALTH, PLANNING AHEAD

Maximising earnings and savings
Reviewing pensions, investments, and tax efficiency
Supporting children through education
Planning for major life events (moving home, divorce, inheritance, career changes)
Beginning to map out retirement goals

Your 60s & Beyond: CONFIDENCE & SIMPLICITY

Creating a sustainable & simple retirement income strategy
Accessing pensions and managing drawdown or annuities
Planning for care costs and later-life needs
Estate planning, inheritance, and passing on wealth
Reviewing Wills, Powers of Attorney and legacy plans