Independence with integrity, free from in-house platforms and portfolios.

Independence with integrity,
free from in-house platforms and portfolios.

About Us

Forefront is actively challenging the prevailing consolidator trend in the financial services industry. Our perspective is that this approach often leads to a standardised advisory process, along with investment propositions that frequently rely on in-house platforms and portfolios.



We are dedicated to delivering impartial advice and crafting financial solutions drawn from the entire market. We have no in-house platforms or investment portfolios, ensuring clients access genuinely independent and tailored solutions.

About You

We are known for empowering individuals, families, businesses, and trusts to comprehend and strategically plan for their financial future.

At Forefront, we recognise that each client’s financial journey is unique. Our team of seasoned professionals bring a wealth of expertise to guide you through the intricacies of financial planning, tailoring our services to meet your specific needs and aspirations.

Whether you are an individual looking to secure your financial legacy, a family aiming for long-term prosperity, a business seeking strategic financial management, or a trust navigating the complexities of wealth preservation, Forefront is here to guide you every step of the way.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

About You

We are known for empowering individuals, families, businesses, and trusts to comprehend and strategically plan for their financial future.

At Forefront, we recognise that each client’s financial journey is unique. Our team of seasoned professionals bring a wealth of expertise to guide you through the intricacies of financial planning, tailoring our services to meet your specific needs and aspirations.

Whether you are an individual looking to secure your financial legacy, a family aiming for long-term prosperity, a business seeking strategic financial management, or a trust navigating the complexities of wealth preservation, Forefront is here to guide you every step of the way.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

Client Testimonials

“I am incredibly grateful for Toby’s outstanding financial guidance. Transitioning my pensions and investments under his expertise was seamless. Toby’s careful attention to detail, coupled with exceptional customer service, sets him apart. Unlike my previous advisor, Toby is consistently accessible and genuinely invested in my financial well-being. Thanks to Toby, I now have a portfolio I am confident in and trust his ongoing care for it.”

RS - Employed Client

“Having worked with Toby since 2016, he has been instrumental in advising me on the intricacies of financial planning leading up to and following a divorce. Toby offers comprehensive guidance on managing all aspects of my assets and protections, effectively streamlining my financial affairs, and providing me with reassurance that the income from my portfolio is sustainable.”

KJ – Decumulation Client

“Working with Toby Carmichael-Jack of Forefront has been an absolute pleasure and a true game-changer for my clients seeking independent financial advice. Toby’s professionalism, expertise, and dedication to serving his clients’ best interests are evident in every interaction”

Paul de la Salle - Professional Contact

“Thanks to Toby I am now confident in understanding how my finances can work for me. He is an amazing listener and that coupled up with his knowledge and expertise set him apart from other advisors I have used. I always feel Toby is genuinely invested in getting the best for myself and my finances, going above and beyond.”

S.M. - British Television Personality and Presenter

‘When I first approached Toby several years ago, my pension and investment assets were scattered across various platforms, making it nearly impossible for me to have a clear understanding of my financial position. Toby worked to consolidate these assets, presenting me with a unified view.



Toby’s proficiency in cash flow forecasting has been a game-changer, as I was unsure how my retirement could look when we began working together. The cash flow forecasting has provided, and continues to provide, me with a clear picture; enabling me to make informed decisions and adjustments. Without Toby’s guidance, achieving this level of financial clarity and security would have been unattainable for me. I now have peace of mind that all my investments are aligned and I am prepared for my retirement.



I recommend Toby to anyone seeking to navigate the complexities of financial planning with ease and confidence.’

R. A. - Employed Client

‘I have had the privilege of engaging in a professional relationship with Toby since 2016.



Throughout my dealings with Toby, he has consistently demonstrated himself to be a sophisticated expert in his field.



In my view, what sets Toby apart from the competition is his drive to look after his clients’ interests and add value in any way he can whilst always taking into account their particular needs with a bespoke and tailored approach to their financial planning.



Toby also has a very good way with clients and maintains a sense of humour at all costs which is imperative when dealing in his field.’

Max Robinson - Partner at Keystone Law

Our Services

As an Independent Financial Advisory firm our focus is on guiding you through comprehending and strategising for your financial future. Through collaboration, our goal is to gain a thorough understanding of your present financial standing, as well as your objectives and identified needs. 



Our knowledge combined with industry leading technology enables us to offer tailored solutions, providing you with a transparent financial roadmap and investment strategy aimed at optimising opportunities for achieving your goals. 



In practical terms, please refer to our review process below:

01

Initial Consultation

Our first meeting is dedicated to gaining insights into your financial objectives and requirements. We will also assess your risk tolerance and reach a consensus on the services we will provide, as well as the fees and compensation method.

02

Expert Advice

We will examine your needs, conduct independent research to identify the optimal solution, and compile a personalised recommendation report. This report will include a comprehensive breakdown of our advice, along with a transparent account of all associated fees and charges.

03

Implementation

Upon presenting the personalised recommendation report, we will work together to finalise and agree on the proposed solution. We will then handle all necessary application paperwork and proceed to implement the chosen solution.

04

Ongoing Service

To ensure your financial well-being remains on track, we will continually evaluate the need for ongoing service. This includes periodic updates to your objectives, reviews of your financial status and risk profile, and the preparation of review recommendations.
Our ongoing service is typically charged as a percentage of funds under advice.

Contact

We invite you to schedule a no-obligation initial meeting, where we can delve into your circumstances and objectives, introduce ourselves, and mutually assess whether we are the right match to help you achieve your financial goals, whatever they may be.

Tony Millar

Chartered Accountant
Consulting Committee
Tony, a seasoned Chartered Accountant, completed his articles at J.H. Champness Corderoy Beesly & Co (now Saffery) attaining Associate Membership of The Institute of Chartered Accountants in England and Wales in 1964, and becoming a fellow of the institute in 1974…..

Nicholas Howell

MLIBF DipFA CeMAP
Consulting Committee
With over three decades of experience in the financial services marketplace, Nick Howell currently serves as the Managing Director to Opal Financial Management, the firm that Forefront Independent Financial Advisory acts under….

Paraplanning Team

Consisting of Eight Core Members
Our Contracted Paraplanning Team is composed of eight core members, featuring a flexible structure that can expand as service demand fluctuates, ensuring a consistently high standard is maintained. Central to the paraplanning service is a robust focus on compliance, acknowledging its dynamic….

Nicole Spencer

Executive Assistant to Toby Carmichael-Jack
Nicole Spencer is the Executive Assistant to Toby Carmichael-Jack With a professional partnership dating back to 2016, Nicole is dedicated to providing clients with an exceptional experience. With seven years of experience in the financial industry, Nicole offers a unique….

Toby Carmichael-Jack

DipPFS Chartered EIM™ | Team Head and Independent Financial Adviser
‘Top 35 Next Generation Adviser’ – Citywire
With over a decade of industry experience, a Chartered ESG Investment Manager, and featuring as one of Citywire’s top financial advisers under the age of 35 in 2016, Toby has a prominent background in the financial services industry…..