Andy is the founder and Director of Totara Financial Services. Originally from New Zealand, Andy is now firmly based in Esher with his wife and 2 children.
Stef joined Totara in 2015 having worked for another IFA firm after leaving school. She is wise beyond her years and provides excellent support to the Totara team.
Andy Smith and his team at Totara provided my wife and I with a long term financial plan that has enabled us to plan our investments and monitor our cashflow so we feel confident about our financial future. Andy has responded efficiently and has delivered what was promised. This process has enabled us to make clear decisions about our finances and our future plans.
Arguably one of the most useful insights cash flow modelling provides relates to investment strategy. If for example your desired lifestyle in retirement is a relatively modest one and a couple of decades away or more, then there’s little point in adopting anything other than a relatively cautious investment strategy. Why take any more investment risk than you need to? Conversely, you may be aiming for a very comfortable way of life in retirement; one which involves hobbies, expensive holidays and travel. In those circumstances, it might be necessary to consider more adventurous investment strategies.
I have been delighted with the service provided by Totara Financial Services and Andy Smith in particular. He has listened to my requirements and through his deep market knowledge has provided me with an excellent and flexible solution for my pension requirements. Nothing has been too much trouble (despite my continual questions, requests and suggestions) and he is very responsive to requests. I have no hesitation in recommending Totara and Andy.
Totara Financial Planning, independent financial advisers based in Esher, Surrey.
Totara Financial Planning are client focused financial planners and independent financial advisers. Based in Esher, Totara provide specialist financial planning advice backed up by independent pension, investment, mortgage and protection advice.
Our unique approach means we focus on the provision of financial planning first and foremost, not financial products. Our goal is to provide clarity around individuals and families financial futures and importantly, to tell people the truth about money. We do all this aligned with helping people plan not only their financial future but also plan their current and future lifestyle – this is important as life is not a rehearsal! We find this is something many people lose focus of and our financial planning helps people focus on the important things in life.
Contact Totara Financial Planning today on 0800 038 5400 or email us at
I have been a client of Totara for over 5 years and I've always found Andy very helpful and professional. I’ve recommended Totara to friends and relatives.
Andy and his Assistant were highly professional but very friendly and most helpful to us clueless first time buyers. We will most certainly use and recommend Totara again.
Andy Smith at Totara has been extremely helpful, courteous and professional in all our dealings so far. He has provided exactly the financial planning advice on pensions, life cover and mortgages that we were looking for.
Although expert investment, protection and pension planning advice is not particularly hard to find, very few financial advice firms in Surrey adopt the same approach as we do. We focus on the provision of financial planning, not financial products.
First and foremost, we help our clients understand where they’re going in life and quantify what it’s going to take to get there. Only when that task has been accomplished will we consider which (if any) financial products are needed to bring their plans to fruition.
We are Totara Financial Planning — a firm of Lifestyle Financial Planners. Contact us today on 0800 038 5400 or email us at
