lloyd o'sullivan

Lloyd O'sulivan

Creating a professional
financial planning strategy

Lloyd O'Sullivan Financial Services provides independent financial advice to both individual private and business clients on a fee or commission basis – our first consultation is usually free.

The relationship that we build with our clients is underpinned by our commitment to ensure that their long-term financial goals are achieved.

We make sure we take the time to understand your needs, goals and preferences before we make any recommendations – this is the process we follow:

1. Your initial contact

We contact you to arrange a convenient time and place to meet.

We'll require you to gather financial information in advance of our meeting. This will enable us to develop a clearer picture about your particular situation. To help us do this, we'll need to see documents, including life assurance, mortgage, pension, savings, investments or bank statements. This is also an opportunity for you to outline the issues that you'd like to discuss.

2. Your review

We assess your current financial position and help identify your goals.

At your review, we provide information about our services, and we explain how we charge and the type of advice we offer. If there is anything you want to discuss, your review meeting is the perfect time to consider these other areas. We assess your assets and liabilities, discuss your objectives and priorities, and consider your attitude to risk.

3. Preparing our recommendations

Using the information we obtain from you, we develop a detailed financial plan.

We look at whether the financial plan will fit in with your lifetime goals and make sure you are comfortable with the timescale for implementing the plan. We research the market, review different products and providers, and follow up with the preparation of a document outlining a strategy tailored to your individual goals and circumstances.

4. Discussing our recommendations

We take you through our recommendations in detail.

We explain why we've chosen specific solutions and outline product features. Our goal is to ensure that you understand why we have recommended certain products or a particular advice strategy. We'll also discuss the cost of any future work and explain how you can check on investment performance.

5. Implementing your plan

All the necessary product paperwork is completed and processed.

We make sure that all our recommendations to which you've agreed have been implemented. We'll also liaise with your accountant or solicitor if appropriate.

6. Reviewing your plan

At this point, you'll agree how often you want to review your plans.

The frequency and level of contact you have with us is up to you. It could be face-to-face meetings, over the phone or by email. If your circumstances change, we also need to know so that we can review what further changes your plan may require. These would typically cover life-changing events, including getting married, having a baby, a promotion or buying a new property – all events that may affect your finances and will require you to assess your financial planning strategy.

This process has to be underpinned by a joint commitment from both Lloyd O'Sullivan Financial Services and our clients in order to ensure the successful completion of their financial goals.

To view or download Our Proposition document, please click here

Treating Customers Fairly

Lloyd O'Sullivan Financial Services is regulated by the Financial Conduct Authority (FCA), and we are happy to work within a regulated environment which prioritises the interests of consumers.

Lloyd O'Sullivan Financial Services has responded to the FCA initiative, Treating Customers Fairly, and has set out what clients can expect as part of our advice process.

Need to obtain further information?

To discuss your financial planning requirements or to obtain further information about our services and how we could help you, please contact Lloyd O'Sullivan Financial Services, telephone 0208 941 9779 or email info@lloydosullivan.co.uk

We look forward to hearing from you.

Our Address

145 Walton Road
East Molesey
Surrey
KT8 0DU

Tel: 0208 941 9779
Fax: 0208 941 9741
Email: info@lloydosullivan.co.uk

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