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 Managing Director, Financial Planner

Andy came to Chilvester in 2012. He is a very experienced IFA who also is the Managing Director at Chilvester Financial. Andrews main clients are business owners where he advises on Ltd Company employee benefits and the Directors and senior management, personal finances.

When not at work, Andrew enjoys physical activities and entering local challenging events and can often be seen at local clubs and charities which Chilvester sponsor.

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 joined the team in 2005. He 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.

Jessica Tottman Practice Manager

Jess joined us in 2014 and brought with her a wealth of experience, working with both large corporates and small business within the public and private sector.

Primarily she looks after Chilvester and ensures that we run the best way we can.

When not in the office, Jess loves to spend time with family and friends. She enjoys entertaining and exercise. She can often be seen with her husband Andy running or cycling, normally a good mile behind him!

Nickie Binstead Accounts Manager

Nickie joined Chilvester in 2017. Coming from a Childcare background, she now has a Level 3 Certificate in accounting.

In her free time Nickie enjoys arts & crafts with her 2 children, baking & taking long walks with her family and their dog Reggie.

Ian Stone Compliance Manager

Ian has been a member of the team since 2017. Financial Services is a highly regulated business. It is the Compliance Managers primary role to ensure we have the correct processes and procedures in place and that the team follow these, thus making sure our clients receive ‘Financial advice you can trust.’

Outside of work you’ll find Ian on plane, he loves to travel – a perk of having a wife that works for an airline! He also enjoys playing cricket for Calne CC and also spends time cycling
and skiing. His two teenage daughters both attend school in Chippenham.

Shane Lucas Training & Competence Supervisor

Shane has over 15 years’ experience within the financial services industry. Shane brings to the team experience from working within a consumer champion organisation over the last 5 years ensuring that our advisers have our customers best interests at the heart of everything we do.

In his spare time, he enjoys spending time with his family, cooking and walking his two French Bulldogs Dexter & Cooper.