Approaching retirement

You may be starting to think seriously about retirement, but need a better understanding of what it could look like.

Retirement is close, but
the answers feel out of reach

When you start to think about or plan for your retirement, questions about money often become more urgent. Small decisions can have a lasting impact, and pensions, lifestyle, income, goals, and timing all need careful thought.

You need to know whether your pensions are enough, how much income you can safely take, which assets to use first, and how tax, inflation, care costs, and market changes could affect your plans. Without these answers, it can be hard to know whether you’re ready to stop, slow down, or keep working.

Are you

Unsure about timing and when you can realistically afford to retire?

Uncertain about how much income you’ll need to support your lifestyle?

Nervous about reducing or stopping work, and what it could mean in the long run?

Seeking reassurance before making big, lasting decisions about your future plans?

Overwhelmed by multiple pensions and how they work together?

Worried about running out of money later in your retirement?

Intimidated by tax, market falls, inflation, and unexpected costs, and how they could impact you?

Unclear on whether to draw from pensions, savings, investments, or cash first?

See how we can help

Feel reassured and
ready to retire

It’s our role to help you take stock before retirement, bringing your pensions, savings, investments, income needs, tax position, and lifestyle goals into one clear plan.

Using financial forecasting, we can show what your future could look like, test different scenarios, and help you understand the impact of retiring earlier, working longer, spending more, or changing direction.

Ultimately, we help you make informed decisions before you step into retirement, so that when you do, you feel prepared, reassured, and clear about what comes next.

High standards mean happy clients

Reviews, results, and reactions that show how people feel about working with us, in their own words.

    
 
 
      Posted on Google  
   
   Adam Kaplan 
 21 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have been using Conor at O'Sullivan Financial Planning Limited for around 5 or 6 years, and I would highly recommend him to anyone looking for an independent financial adviser.

I originally chose to work with Conor because he is independent and holds a Fellowship-level professional qualification, so I knew I would be getting advice from someone qualified to a very high level.

Having previously met other financial advisers who were restricted to a particular panel, I was also concerned about the level of fees and whether the advice I received would genuinely be in my best interests. With Conor, I have always felt that his focus is on providing the best financial advice and making my money work effectively for me, rather than recommending products simply because they suit the adviser.

As a business owner, it has been particularly valuable to have someone who understands the bigger picture. Over the years, Conor and O'Sullivan Financial Planning Limited have helped me consider both my business finances and personal financial planning, giving me a much clearer and more joined-up approach to managing my money and planning for the future.

After working with Conor for several years, I continue to find him knowledgeable, professional, and straightforward to deal with. I would highly recommend O'Sullivan Financial Planning Limited to anyone looking for independent financial advice, particularly business owners who want help considering both their personal and business finances.
  
 
     Posted on Google  
   
   Spencer Chester 
 90 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Conor has been and is very motivated to ensure the best results for his clients.
He and his team keep an eye on current affairs and the impacts these may or may not have and advise accordingly.
Most of all Conor is very 'Trustworthy' such a rare commodity in the world today.
  
 
     Posted on Google  
   
   Rob Weall 
 106 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Took the time to understand our needs and goals to present options for us to take forward.  Having been sceptical of this as an industry I am now a convert and enjoying the benefits of the advise and guidance.
  
 
     Posted on Google  
   
   Kirsty Woods 
 110 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Really pleased with the professionalism, advice and personal financial goal plan.
  
 
     Posted on Google  
   
   Faaez Samadi 
 404 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service, really help you make the right decisions. Friendly, professional and always available if you want to talk anything through. Have a great knack of explaining everything, and simplifying things in a way that leaves you informed and confident that they are working hard for your best interests.
  
 
     Posted on Google  
   
   Mark Cook 
 2117 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Conor provides good, honest advice. On more than one occasion he has advised me to stick with my current provider when he could have encouraged me to switch so he made money. That's why I trust his advice.
  
 
     Posted on Google  
   
   philippa Shadrach 
 2126 days ago
 
 
 Trustindex verifies that the original source of the review is Google. As a recently divorced woman I needed help with my financial affairs and Conor was recommended by my accountant. I believe he has helped me find the best solutions to my issues and has at all times been prompt, attentive, helpful, clear, efficient, patient, responsive and personable. I could not recommend him highly enough and have suggested him already to my children and friends
  
 
     Posted on Google  
   
   Matthew Rigby 
 2126 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic Company! Would highly recommend
  
 
     Posted on Google  
   
   kelly brawn 
 2645 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Conor has been instrumental in helping my relative sort out his pension after taking an unplanned early retirement.

After trying for two years by himself and trying other professionals he couldn't get access to his pension and was being told different things and being fobbed off constantly, everything was too much hassle.

My relative didn't trust anyone to help and after reading reviews from some friends I contacted Conor.

Conor asked me about my relative, his concerns and what his hopes where so he knew what to expect on his first meeting. Nothing was too much trouble even meeting at a neutral location to make my relative feel at ease. Conor had taken everything I had said and knew in advance how apprehensive my relative was. I would say within 10 minutes my relative was so much happier, an hour later, email written and paperwork requested to pension holders and my relative was a changed person he knew what he was entitled to and that the money he thought was missing (and was told) wasnt and was in fact there.

It didn't stop there though. Conor has since helped my relative two more times, the second time the pension company even though correctly filled in by Conor and my relative they declined the request saying the option they had written in their letter could not be selected as an option. (we were all confused by that one!)

Lastly Conor and my relative got together to go through more updated paperwork they had sent through, all forms filled in again together and now phone calls with pension holders have been had and things are moving to get to the resolution which Conor set out to achieve.

What I am trying to say is pensions are confusing along with savings, bonds and finances in general, to have someone like Conor take the time to know you, know what you want makes such a difference, he also talks in a language which is understandable to those like my relative and even myself who find it all overwhelming.

I am looking forward to Conor sorting my finances out in the not too distance future, what he has done for my relative though will make sure he is now secure until he hits official retirement and means a less worry and he can enjoy himself.

Thank you.

We're as blown away as you are by how much our clients value the service we provide. For more insights...

Read our latest client survey results

of clients are satisfied with our understanding of their financial needs and life goals.

of clients agree that working with us has helped them achieve their financial goals.

of clients would recommend us to their friends, family, and colleagues.

Retirement is close, but the answers feel out of reach

Are you

Feel reassured and ready to retire

High standards mean happy clients

Speak to us today

Approaching
retirement

Retirement is close, but
the answers feel out of reach

Feel reassured and
ready to retire