Tori Bulgin

Director

07475 916781
Tori Bulgin

Chartered Financial Planner

What does ‘Chartered Financial Planner’ mean?

Chartered status is awarded by the Chartered Insurance Institute (CII) and is considered the ‘gold standard’ financial planning accreditation. Chartered status is a symbol of technical competence and signifies a public commitment to upholding professional standards and adhering to a professional Code of Ethics.

Member of Brighton Chamber

What does ‘Member of Brighton Chamber’ mean?

Membership of the Brighton Chamber of Commerce demonstrates a commitment to the local community and economy. It reflects a connection to local businesses and individuals, a dedication to supporting regional initiatives, and active participation in the wider Brighton business network.

Tori’s financial journey and launching Apricity

Tori is a highly experienced Chartered financial planner with with more than two decades of expertise. She spent her early career honing her skills at large financial firms, where she gained a comprehensive understanding of the sector. Her experience led to a clear realisation: great financial advice is built on personal connection and trust.

Driven by this belief, Tori founded Apricity. Her mission is to offer a more dedicated and personal approach to financial planning, ensuring that every client receives the focused, one-on-one attention they deserve.

Today, Tori works with high net worth individuals, from business owners and senior executives to those navigating major life changes. For her, the real reward is helping clients discover that their wealth can bring them the freedom, choice, and confidence to live life on their terms.

Tori’s personal highlights

Achieved Chartered status in 2016.
Ran a marathon along the DMZ in Korea.
Cycled around the entire island of Taiwan.
Completed three Ironman races and nine marathons.

Need-to-know information

View Tori's FCA register profile
Download Tori's Statement of Professional Standing

Qualifications

AF1 Personal Tax and Trust Planning

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

AF2 Business Financial Planning

This examination assesses the candidate to develop in depth financial planning skills related to business.

AF3 Pension Planning

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

AF5 Financial Planning Process

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

CF1 UK Financial Services, Regulation and Ethics

This qualification develops an understanding of the financial services industry, including regulation and legislation.

CF2 Investment and Risk

This examination assesses a knowledge and understanding of investment products and the risks involved.

CF3 Financial Protection

This examination assesses a knowledge and understanding of financial protection plans.

CF4 Retirement Planning

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF5 Integrated Financial Planning

This examination demonstrates a solid grounding in the financial services industry and its regulation.

CF6 Mortgage Advice

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

CII Advanced Diploma in Financial Planning

The Level 6 Advanced Diploma in Financial Planning builds on existing skills and knowledge, enabling advisers to develop specialist planning capabilities and offer a sophisticated and comprehensive approach to financial management.

CII Certificate in Financial Planning

The CII Certificate in Financial Planning provides a foundational understanding of the UK financial services industry, covering key areas such as regulation, ethics, and the principles of financial advice.

CII Certificate in Mortgage Advice

The industry benchmark qualification for mortgage advisers, recognised as a mark of excellence and professionalism. Individuals attain the required understanding of mortgage policy and practice and how to effectively apply this when advising a customer.

CII Diploma in Financial Planning

The RQF level 4 Diploma in Financial Planning develops core technical understanding across a broad range of key financial planning areas.

J01 Personal Tax

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individual’s liability to UK tax.

J04 Pension Funding Options

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

J05 Pension Income Options

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

R06 Financial Planning Practice

This qualification helps advisers develop and demonstrate their financial planning capabilities.

STEP Certificate for Financial Services – Trusts and Estate Planning

This qualification is a collaboration between STEP and CLT International (CLTI). This Certificate bridges the divide between solicitors and financial advisers, enabling those in financial services to work more effectively with other professionals.
Tori running

What Tori does in her spare time

Tori lives in Hove with her partner, Victoria, and their young son, Freddie. She is passionate about sport, from running and CrossFit to Ironman events and sea swimming.

A keen traveller, Tori has explored Australia, New Zealand, Asia, Africa, and South America, and previously took a three-year career break to teach English in South Korea. She has recently returned from a high-altitude running camp in Kenya.

When she’s not training or travelling, Tori loves spending time with her family at their beach hut, taking Freddie on hikes in the South Downs, and teaching him to play football.

Take the first step today

07475 916781
tori@awmplan.co

    Apricity Wealth Management Limited is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. Apricity Wealth Management Ltd is a company registered in the UK, company number 14762390. Registered office address: 15 West Street, Brighton, BN1 2RL

    This website is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.

    The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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