True Bearing | Independent Financial Advice

Mark O'Neill
FPFS, Chartered Financial Planner
Independent Financial Adviser
Areas Covered: Lytham - Fylde Coast

Mark O'Neill

A Fellow of the Personal Finance Society, Mark is one of a very few financial advisers in the country to hold the titles of CII Chartered Financial Planner, SOLLA Accredited Later Life Adviser and Symponia Master Practitioner.

He specialises in investments, care fees planning and inheritance tax planning advice.  He also advises on the wide subject of “at retirement” options to help clients maximise their pension funds at and in their retirement.

Based in Lytham, Mark has clients throughout the North West. He manages in excess of £20m in client assets. A passion for high quality face-to-face advice and a business grown by reputation are Mark’s priorities.

In his words:  “As we journey through life, our general needs change and our financial priorities certainly alter over time.   Security and peace of mind, both for ourselves and those we care for, now and for the foreseeable future, tend to become a higher priority. Practically this may influence planning for retirement, both physically and financially, securing independence into later life, and ensuring that as well as looking after ourselves we can also leave something behind to those we love."

My role is to help you plan for each of these stages. This may include; maximising investment opportunities, combining growth potential with effective security and taxation planning strategies; specific pension and annuity planning; supporting individuals and their loved ones/carers with information on care fees planning and the state/private funding mix;  planning to minimise inheritance tax liabilities.

What is vital in my role is reviewing individual details in a face-to-face meeting with clients and/or their requested representatives. We need to talk about hopes and fears for the future, formulate those feelings into practical outcomes, and prioritise those outcomes. As a Chartered Financial Planner the concept of holistic financial advice is essential to me.  It is critical that all advice and planning is reviewed regularly.  I meet the majority of my clients twice a year to review their planning and appraise the position to date.

Solicitors and Accountants also value the benefits of expert financial advice to complement their skills and I work closely with these professionals in the region to assist their clients. Often I will review funds held with the Court of Protection for those in care, or unable to manage their own affairs.

When not working, Mark enjoys spending time with his young family, and cycling.

Contact Mark O'Neill
Tel: 01257 260011
Mob: 07974 949 724