Who we are
We help business owners, self-employed people and families in Cornwall plan for retirement with clarity and confidence , so you know exactly when you can afford to stop working, and that you’ll be ok.
Built for people who want advice they can trust
“BetterLife was born from a desire to create something truly personal, where financial planning is a partnership, not a sales process. I wanted to build a company where advice is clear, honest and thoughtful, and where every client feels confident that the detail has been taken care of. Clients who work with us feel heard, looked after, and never rushed.”
Why BetterLife exists
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Advice you’d trust with your own future
I set out to build the kind of firm I’d want to be a client of. One that listens properly, takes its time, and focuses on outcomes that really matter, not just products. Every recommendation is the kind we’d give our own families.
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Professional standards that give you peace of mind
You deserve advice that stands up to scrutiny. That means proper qualifications, clear thinking and attention to every detail. When you work with us, you can relax knowing your finances are in safe hands.
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Plans built around what matters most to you
Our service and planning process have been shaped by what real people need: confidence, clarity and the freedom to live life on their terms. We take the time to understand what matters most, and we’ll build your plan around it.
Meet the founder of BetterLife Financial Planning
Toby Hines APFS
Chartered Financial Planner
“Financial planning isn’t about spreadsheets or selling products, it’s about giving you clarity, confidence, and control over your future.”
Before founding BetterLife, I spent 20 years running my own business in Cornwall. I know what it means to work hard, to juggle responsibilities, and to want the reassurance that you and your family will be ok.
I retrained and qualified as a Chartered Financial Planner because I wanted to bring a higher standard of planning to people here in Cornwall. My role is to give you a clear answer to the most important financial question: Am I going to be ok?
• Chartered Financial Planner (APFS)
• 20 years running a business before retraining
• Built BetterLife to do things the right way
When I’m not working with clients, you’ll probably find me walking Arnie the retriever on the Cornish coast, at the gym, or spending time with my partner and three adult children.
The Chartered Financial Planner designation is the highest standard in UK financial advice. Fewer than 20% of advisers hold it.
It reflects a commitment to:
Proven expertise – Advanced qualifications assessed to rigorous standards.
High standards – A formal code of ethics centred on integrity, honesty and transparency.
Continued development – Ongoing professional learning throughout my career.
Independent verification – Chartered status is awarded by the Chartered Insurance Institute, a Royal Charter body
It’s a mark of trust, and a responsibility I take seriously.
Ready to talk?
If you’d like to find out when you can afford to stop working, and be confident that you’ll be ok, let’s start with a retirement clarity conversation.
☎ 01326 33 33 55
✉ toby@betterlifefp.co.uk
Or fill out our contact form
