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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

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…..