Toby is a Chartered Wealth Manager and Fellow of the Chartered Institute for Securities and Investments. He has been an investment manager since 1992 (over 25 years) and runs the in-house investment portfolios for our discretionary and advisory clients. Toby began his career in London and was a fund manager at Old Mutual International. Following a transfer to their private client department in Guernsey he then worked at Bank Julius Baer and became a hedge fund manager at a private Family Office. He writes regular blogs on financial markets, precious metals and economic trends and was the author of a book in 2007 forecasting the credit crisis (The Final Crash). He is also a Non-Executive Director of investment funds aligned with his beliefs and is a founder member of the UK Digital Currency Association. Toby joined Gower in 2017.