Who we are
A financial planning firm built on clarity, care and doing things properly.
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 process. I wanted to build a company where advice is clear, honest, and thoughtful, and where clients feel confident that every detail is being taken care of and they where they feel heard, looked after, and never rushed.”
Why BetterLife exists
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To give advice we’d trust with our 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 real-life outcomes, not just products. Every plan is crafted with care, and every recommendation is the kind we’d give our own families.
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To set the highest professional standards
I believe clients deserve the highest levels of professionalism. That means proper qualifications, clear thinking, ongoing learning, and advice that stands up to scrutiny. Every detail is taken care of, so you can relax, knowing you're in safe hands.
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To build plans shaped by what really matters to you
Our service, structure, and planning process have all been shaped by what real people need not what the industry has always done. You deserve a planning partner who takes the time to understand what matters most, and helps you build a life 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 people clarity, confidence, and control over their future.”
With a background in business, a head for planning, and a heart for helping, I bring real-world experience and a refreshingly honest approach to financial advice.
• Chartered Financial Planner
• 20 years running a business
• Built BetterLife to do things the right way
Based in Cornwall, often found walking Arnie the red retriever, listening to boxing or money podcasts, or solving complex plans with a strong coffee in hand.
The Chartered Financial Planner designation is the gold standard in UK financial advice. It reflects a commitment to the highest levels of technical expertise, ethical conduct, and client service. Fewer than 20% of advisers hold this status.
You can expect:
Proven expertise – Advanced qualifications assessed to rigorous standards.
High standards – A formal code of ethics, centred on integrity, honesty and transparency.
Continued development – A commitment to maintaining and deepening professional knowledge 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.
If you would like to understand more about how we may be able to help you, please get in touch
☎ 01326 33 33 55
✉ toby@betterlifefp.co.uk
Or fill out our contact form
