Financial Planning Services

“It’s not how much money you make but how much money you keep, how hard it works for you, and how many generations you keep it for”

–  Robert Kiyosaki on why people benefit from professional financial advice.

We all have conflicting priorities regarding what we want to achieve over the short, medium and long-term.

Navigating the complexities of personal finances can be challenging and sometimes it is hard to see whether we are on the right road.

It is becoming more apparent that independent financial advice is essential in guiding you to help you make the right informed choices for you and your family.

We deliver a personal tailored service which is focused on helping you achieve & maintain the lifestyle you desire.

We will take time to clarify and assess your financial goals and concerns to understand where we can work with you to:

  • create plans to grow your wealth
  • protect your wealth and lifestyle
  • manage your tax position
  • help you fulfil your everyday financial needs.

We have a wide variety of clients in many different stages of their life, but we find the types of people we help most are:

  • Business Owners
  • Higher Earners such as Senior Executives or Professional Sports People
  • Those individuals At or Approaching Retirement.
Financial Services
O'sullivan Financial Planning Services

Business Owners

Running a business is hard.  We are business owners too.  We know the challenge of building and growing a business.

Should we be working in the business or on the business today?  There are always so many conflicting priorities.

Days are short.  Sacrifices need to be made.  You’ve become an expert juggler.

With so little time, it is not always easy to pay attention to the wider company finances – let alone your personal finances.

We can help business owners, navigate the critical financial events inside and outside their business: everything you plan for, and all those things you pray never happen.

We take time to understand what your business, your short and long-term aspirations, including your exit strategy.

We are happy to work with your accountants, solicitors and other professionals to ensure all the legal, tax, accounting and financial advice you get is streamlined and cohesive.  This includes maximising your business and personal tax breaks, reliefs and allowances to ensure more of your capital is yours to keep.

We will work with you and equip you with confidence in your financial plans, both at home and at work.

You regularly review your business plans.  Let us help you do the same with your finances to ensure you have a plan which is unique to your situation with the flexibility to adapt as change happens – both personally and in your business.

High Earners

If you have a significant income, whether you are a high-earning senior executive or a professional sports person, you face unique challenges.  Although you have a higher than average income, you are likely to operate in high-pressure roles and may struggle to find time for financial planning.

Current financial needs, such as reducing tax or buying a home, must be balanced with long-term problems, such as paying for school fees or planning your own retirement.

Your retirement may well be 10-20 years down the line. However, in our experience, many senior executives are concerned about striking a balance between living for today and planning for the future.

With our expert help, we will guide you every step of the way: from solving your current financial challenges to securing a happy and fulfilling lifestyle to enjoy in retirement.

We focus on you, not your money.

We will take the time to understand your current financial challenges,  your future aspirations, objectives and desired future lifestyle.

We’ll work with you to create a strategy for your future desired lifestyle for when your current career is over, and help you transition into the next chapter of your life.

Business Owners

Working with us will equip you with confidence and peace of mind. Not only will you feel more informed about your current financial situation, but your family’s needs and your aspirations for the future will be secured and catered for in your thorough, step-by-step financial plan.

Independent

As Independent Financial Advisers, we have no obligations to any one provider of products. Instead, we work for you.

When we implement our financial plans, we are therefore able to offer bespoke recommendations from the entirety of the market. As a result, the advice we give is highly personal and based solely upon your objectives and aspirations.

In contrast, restricted financial advisers are only able to recommend certain products and providers. This can result in you receiving advice that isn’t best suited to your circumstances.

Chartered

We’re proud to be Chartered Financial Planners, as awarded by the Chartered Insurance Institute (CII). Chartered status is the ‘gold standard’ of financial planning and positions our firm amongst the UK’s leading practices.

To secure Chartered status, firms must demonstrate:

  • The highest levels of technical knowledge through professional qualifications
  • A commitment to the ongoing development of our skills and knowledge
  • An adherence to ethical conduct

By working with a firm of Chartered Financial Planners, you can be confident that you will receive the best possible advice, service and support.

Approaching Retirement - O’Sullivan Financial Planning

Approaching Retirement

Retirement means something different to each of us: maybe it’s spending more time travelling; spending time with those you love; catching up on lost time to do all the things you never had time to do.  Whatever aspirations are on your bucket list, we can help you prepare for them.

After all, retirement isn’t a light switch that you suddenly turn on.  Rather it should be thought of as a dimmer switch, with a planned phasing into the next chapter of your life.

We find that as people get within 10 years to retirement they start thinking and prioritising their plans and are generally looking for guidance and reassurance to help answer all the questions they have:

  • Can I afford to retire?
  • How much money is enough?
  • Can I acheive everything I want to?
  • How soon can I afford to retire?

We help you answer these questions and can guide you through the steps – both leading up to, and after you retire – in effect helping you control that dimmer switch as you transition your income from that of employment to other sources.

You will likely have a number of decisions to make, and we are here to help guide you in making informed decisions giving you confidence in your retirement plans.