My approach to sound financial planning is people driven, not product or provider dependent. I believe in matching your needs, goals and dreams to a diverse combination of financial products that will offer you a healthy balance between risk and security for excellent returns. Here are just a few endorsements from my clients!

Terence Tobin has provided me with excellent  Financial Advice and Service regarding my Investment Account. He assisted me by exploring a variety of different options and Financial Service Providers to ensure that I maximise my returns, while meeting my requirements to access the funds if needed.

I receive updated financial statements from his office every month, so that I am always aware of how my Investment is performing. I would not hesitate to recommend Terence to anyone who is seeking advice and guidance for Financial Investments. 
- Cecilia Sentson 
I was afraid of taking policies due to the fact that most brokers use such technical terms which fly straight over my head. But when I met Terence, he sat down with both myself and my husband and explained everything in detail, but in words we could understand.
I have since been approached by many other brokers and I am sorry to say, Terence will be the only person I deal with when it comes to finances. He is honest and is willing to take the time to explain everything in detail. So you end up going into each financial situation with knowledge and understanding. 
- Nicky
I have known Terence for many years - and he has consistently and diligently provided me with the right advice and information. He takes the time needed to fully explain my options and to guide me in an appropriate direction.
It's not easy to find a Financial Advisor that will truly deliver independent advice - but Terence does this time and again. He is very genuine in his recommendations and this gives me peace of mind at all times. Honest, reliable, ethical and highly recommended.
- Thumiso

Since I started working with Terence, my financial situation has improved drastically, not only is he my financial planner but he is also someone who I can trust for informed advice on financial matters. I have fully embraced the saving culture and believe that my only way forward is up!

- Simon Linakane

I have been dealing with Terence for a few years now and he has given me sound financial advise and has helped me build up a nice nest egg ready for my retirement. I would not hesitate to recommend Terence to anyone seeking financial advice. 

- Tommy Burke

I would like to say thanks for the wonderful, friendly and consistent service! You have made a significant impact to my financial journey and I deeply value your integrity and commitment to excellence. 

- Kholekile

It is really fulfilling and heart warming to know that there are still people in our banking institutions that pride themselves in customer service delight and efficiency towards ordinary customers like myself.

Without filling this whole page with compliments, which I could do, I just want Terence to be recognised for his professional, friendly, transparent and ethical business conduct on all levels. This is indeed the interaction I had with him from the first point of my enquiry with FNB right to the point of me signing up for one of the services that they offer.

This is what I call a WOW customer experience, filled with integrity.

- Alvin

If you need financial advice regarding RA's or Life Policies, investments etc you should call Terence Tobin. I met Terence in 2009 and have been with him ever since. The poor guy deals with my complete lack of financial knowledge on a weekly basis and has helped me out of many jams. Even if the question is not related to any of my policies he is always willing to help. It is not everyday that a broker becomes a friend.

He also helps people with their Discovery points/status - If you need to up your status to get more benefits T's your man.

- Francois

I work in a very unstable industry and my biggest concern is being able to save for my children. Terence was able to find a solution for me that services my needs all while allowing room for the inconsistency of the industry I'm in. I'm also very grateful for the invaluable advice I've received for my day to day financial management. I always know he is a call away if I ever need an expert opinion before transactions and also how best to utilize the accounts and facilities I have to my disposal to maximize savings and reduce my spending.
- Tebogo
Terence assisted my husband and I in changing Life Insurance policies to better suit our needs. He gave a considered opinion to all of our questions and took interest in our personal finances, assisting my husband in an Endowment Policy as well. We were very happy with Terence's polite, efficient and friendly service and fully recommend his services.
- Phillippa
Terence has provided us with excellent Financial Advice.  He is very professional and efficient.
He truly went an extra mile in ensuring that my husband and I make the best decisions regarding our family’s financial future and security.
- Samantha and Sibusiso
I want to place on record how I appreciate your valuable and knowledgeable advise in your field. You certainly went the extra kilometre to ensure that the brief given to you was professionally completed. I certainly would not hesitate to recommend you at any time
I would like to thank you for the sound advice you gave me two years ago when you persuaded me to take the BIG step away from the "safe" fixed deposit investment I had stuck with for years. You showed me that I COULD get a better return for my hard earned retirement fund and still have security. Thanks to your wise advice I am AT LAST able to retire with the knowledge that I now have a little more financial security in my golden years.
I look forward to our quarterly meetings.
- Luanne
We are very happy with the service and advice we have received from Terence. We are totally satisfied with his professionalism and would not hesitate to recommend him to anyone wishing to improve their financial security! We love how easy it is for us to speak with Terence when the need arises, and are very happy with our how investments are growing. Keep up the good work Terence!!! Also love your "monthly tips"!
- David & Sandra
I have known Terence Tobin for a couple of years and have always found him a pleasure to do business with – he’s friendly, informative and very honest about the products he sells. He’s also “on the ball” - reacting quickly to requests for information or action. I would not hesitate to recommend his services to friends and family – in fact I have already done so!
- Janine