Toby Horn, Independent financial adviser

An introduction to Toby Horn

Your career to date?
On leaving college with a HND in business studies I entered the financial planning world in 1984. Since then I have have been concurrently involved with business deveolpement, private clients, regulatory controls and financial I.T. developement.

During the past five years my focus has been with assisting private and business owning clients.

If you could offer one piece of financial advice to an individual, what would it be and why?
Be afraid when others are greedy and be greedy when others are afraid

Which areas of financial planning do you feel an individual should be addressing in the next 2 years?
All of them

What is the most common mistake you find individuals make in financial planning?
Buying high and selling low, and procrastination

As an independent financial adviser what, for you, are the main benefits of being a part of Honister Partners Ltd?
Stability