Welcome to BetterLife Financial Planning

Proper financial planning to give you clarity, confidence, and a clear plan for the life you want to live.

We answer your biggest question:
”Am I going to be ok?”

We’re independent financial planners specialising in helping business owners, self-employed people and families plan for and into retirement.

We take the time to understand what matters to you, build a plan around it, and help you make confident decisions about your future.

We work with a small number of clients so we can offer a more personal, high-touch service. That means being available when you need us, thinking things through properly, and making sure everything is aligned to the life you want to live.

The aim is simple - giving you financial peace of mind and the reassurance that when work stops, you’ll be ok

Financial planning should feel clear and not confusing

Core Principles

  • Clarity First

    We believe financial planning should be clear, calm and free from waffle. No jargon, no hard sell, just straight-talking advice that gives you real confidence in where you’re heading.

  • Life Before Numbers

    Money is just a tool. We help you make decisions based on what actually matters - your time, energy, freedom, and future. Planning starts with your life, not a spreadsheet.

  • People, Not Products

    You don’t need more stuff. You need someone in your corner. We build long-term relationships, working with a select number of clients so we can give you our best.

  • Do It Properly

    We don’t cut corners. Whether it’s tax, pensions or your plan for the future, we take care of the detail so you can focus on living life, with no second-guessing.

How we can help you

  • Financial Planning

    Clarity for today. Confidence for tomorrow.

    Most people spend their lives earning, saving, and hoping they’re doing the right thing with money, but hope isn’t a strategy.

    Financial planning gives you clarity, direction, and the confidence to make decisions without second-guessing.

    We help you build a plan around what matters most. Not just investments or tax, but your life, the one you want to live now and in the future. It’s about making smart choices that support your goals, not just grow your money.

    Whether it’s retiring early, starting something new, or just wanting to know you’ll be okay, we’ll help you map it out clearly, and stay on track as life evolves.

  • Retirement Planning

    You’ve saved for decades, now it’s time to enjoy it

    Retirement is about making the most of your time. Doing the things you’ve worked hard for, spending time with the people who matter, and living life on your terms.

    We help you build a clear, flexible plan so you can spend your money with confidence, without worrying about running out. That means helping you shift from saving to spending, planning withdrawals from pensions, ISAs and investments in a sensible, tax-efficient way, and structuring your income so it works throughout retirement.

    Whether you want to travel more, support family, or simply feel secure, we’ll help you make the most of what you’ve built, with a plan you can rely on.

  • Investment Management

    Stay invested with confidence.

    Investing isn’t about beating the market or chasing the next big thing. It’s about staying in, staying calm, and staying focused.

    With a clear, evidence-based strategy, you can grow your money over time, without reacting to headlines or hype.

    We help you build a diversified portfolio aligned to your plan, stay disciplined through market ups and downs, manage fees and tax drag, and focus on long-term outcomes rather than short-term market movements.

    You don’t need to predict the future. You just need a smart strategy, and the discipline to stick with it.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen

The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.

“I cannot think of anything Toby could have done better. His attention to detail was exceptional, far better than any previous IFA we have previously encountered ”
— GH, Cheshire

What our clients say

“We weren’t happy with the service we were receiving from our previous advisor, I spoke with Toby, he was so thorough and I felt he understood our needs and didn’t make us feel daft for asking questions”
— AP, Cornwall
“I would highly recommend Toby as a professional, genuine and I’m sure he wouldn’t mind me saying financial geek. It feels as though I have acquired a friend along the way.”
— RS, Berkshire

You can read more of our verified 5 star reviews on the VouchedFor website

The Learning Hub
How £100 a Month Could Grow Into More Than £800,000 for Your Child
How £100 a Month Could Grow Into More Than £800,000 for Your Child

Setting your child up for the future doesn’t have to mean handing over cash at 18. With a Junior ISA and the power of compounding, even modest monthly contributions can grow into a retirement-sized nest egg. This article explores how starting early could turn £100 a month into over £800,000, all tax-free.

A Legal Way to Go Over the ISA Limit: The Overlooked APS Rule
A Legal Way to Go Over the ISA Limit: The Overlooked APS Rule

Most people think the ISA limit is fixed at £20,000 a year. Few realise there’s a rule that, in the right circumstances, can boost that allowance by tens of thousands. It’s called the APS allowance, and hardly anyone uses it.

The £12,000 Pension Tax Relief Mistake That’s More Common Than You Think
The £12,000 Pension Tax Relief Mistake That’s More Common Than You Think

One client was losing £100 a month in tax relief for over a decade, more than £12,000 - because her workplace pension used Relief at Source, and no one told her she had to reclaim the higher-rate relief. Most people assume payroll handles it, but knowing your scheme’s setup could save you thousands.

Latest Posts

Ready to start your journey to a BetterLife?

☎ 01326 33 33 55

✉ toby@betterlifefp.co.uk

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