About us

we do things a bit differently

As independent financial advisers, we help individuals and small businesses plan for their future by providing just the advice you need.

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About us: Finance Management Specialists

Why Chilvester could be just what you need.

Our advisers don't have sales targets and don't use jargon, while our chartered status means you only ever get expert support.

What's more, you'll find us based on the high street so you can easily come in to chat things through. And not only this, our team of specialists can provide a wide range of advice on a variety of topics, from mortgages and investments to pensions and tax planning.

Our high street locations are convenient and easy to find
High street locations
We are conveniently located and easy to find in both Calne and Marlborough.
As Chartered Financial Planners, this is the ultimate symbol of our professionalism
Chartered adviser
We can provide access to a Chartered Financial Planner.
Advice from the whole of the market, just what you need
Completely independent
Our financial advice is whole of market with no bias, just what you need.
Our advisers don
No sales targets
Allows complete independence and ensures that the best outcome for the client is what matters most.
We are very clear and honest about our fair fee structure
Fair fees & pricing
Our fee and pricing structure is something we are honest and very clear about so there are no surprises.
A multi-adviser firm with specialist qualifications
Highly trained advisers
We are a multi adviser firm and our advisers have attained a number of specialist qualifications allowing us to offer a very broad range of services.

Our friendly team is here to help

Andy Tottman - Financial Planner & Director
Andy Tottman Managing Director, Financial Planner

Andy came to Chilvester in 2012 and joined the Board a couple of years later.

With a background in the banking sector, one of Andy’s key area of expertise is in corporate financial planning and he is the lead adviser in our workplace pensions proposition.

Sam Binstead - Chartered Financial Planner
Sam Binstead Director, Chartered Financial Planner

Sam joined Chilvester in 2011. He is a Chartered Financial Planner and carries the Pension Transfer Specialist qualification. He chairs our Investment Committee and his key area of interest is retirement planning.

Sam is an avid reader and enjoys spending time outdoors with his family and two dogs. When not in the office, he can usually be found visiting theme parks or riding his Triumph motorcycle.

Simon Foreman - Financial Planner
Simon Foreman Financial Planner

Simon is accredited by the Society of Later Life Advisers (SOLLA) and specialises in care fee planning, assisting and advising upon Powers of Attorney and also divorce asset sharing.

Simon went to school and college in Surrey before joining British Gas when he was seventeen and spent time travelling the world with them. Outside of work he enjoys running, swimming and general fitness. He also enjoys reading and is a keen follower of F1.

David Jones - Financial Planner
David Jones Financial Planner

David is a financial planner and primarily helps clients who are thinking about or at the stage of retirement. He previously spent nine years in retails banking in branch management roles before deciding to study for his Diploma in Financial Advice in his spare time.

David’s hobbies include cycling, taekwondo and running around after his three children.

Melissa Thurgood
Melissa Thurgood Mortgage and Protection Adviser

Melissa joined our team in 2017. Prior to qualifying as a mortgage adviser, she was a bank manager for a high street bank.

Outside of work Melissa enjoys walking Buddy her Labrador, visiting her parents who live in Cyprus and, as a military wife, spending time supporting Armed Forces events.

Sally Bailey - Paraplanner
Sally Bailey Paraplanner
Gill Shanley - Client Service Administrator
Gill Shanley New Business/Client Support Administrator
Jessica Tottman
Jessica Tottman Client Support Administrator
Nickie Binstead - Accounts Manager
Nickie Binstead Accounts Manager
Ian Stone - Practice Manager
Ian Stone Compliance Manager