Our advice, will always be provided in writing,
and prior to you making any lasting decisions.
Final Salary & Defined Benefit Experts
The Government changes of 2015, represented a shake-up of the UK’s pensions system, giving people more control over their pension.
If you want the freedom to access your income and tax-free cash in retirement, then Flexi-Access Drawdown (FAD) might be for you.
O’Neill Financial Services
How We Can Help
Is your dream to retire early? Or perhaps to enjoy four holidays a year once you are retired? Whatever your goals, our advisers can help you devise a realistic financial plan to help you achieve them.
Trusts & Estate Planning
Are you looking to ensure your property and assets respect your wishes after your passing? O’Neill Financial Services give you the tools, knowledge and strategy you need to secure your wealth for your beneficiaries.
It is vital to protect your family’s welfare in the event something happens to you. Our advisers can help you ascertain the best plan for your needs, helping you financially protect yourself and your family.
Whether you need advice on share protection, directors’ and staff benefits or pensions and capital, our advisers can help you devise a strategy which increases efficiency and funding for your business, associates and employees.
O’Neill financial services is managed day to day, by Kevin O’Neill, an experienced Independent Financial Adviser(IFA), with many years’ experience.
Kevin O’Neill APFS
Chartered Financial Planner
I was recommended to Kevin by my IFA as I wanted to transfer my pension. Although IJacki
thought my transfer was quite straightforward, Kevin had to deal on my behalf with a pensions company that were difficult to say the least. Kevin was patient but tenacious with them while keeping me updated on progress. He was responsive to my questions and avoided using jargon. If I needed things explaining more than once he was happy to do that. If you are looking to transfer your pension I can highly recommend Kevin.
Kevin gave me indepth and unpressurised pension advice. His detailed explanations of all my financial options that were relevant to my personal circumstances were extremely clear and detailed. He was more than happy to answer any questions I had no matter how trivial. I am comfortable with the decisions that I have made and, due to Kevin’s patient, friendly andPamela from Essex
approachable manner, I feel that I could contact him again anytime for further advice if my situation changes.
I had a Final Salary pension scheme with my previous employer and wanted to investigate theNigel from Colchester
possibility of transferring this pension. I approached Kevin for his expert advice and, at the
conclusion of his assessment, I felt that I had all the necessary information to hand with all the pros and cons clearly explained. This comprehensive detail gave me the comfort to make an informed decision. During this entire process, I always felt comfortable with Kevin and never felt under any pressure to make a decision. His patience, expertise and professional advice helped me navigate through the minefield that is Final Salary pension transfer!
My regular financial adviser suggested using Kevin to provide the independent advice on how to best use my pension pots. Kevin worked closely with me to understand my finances and future plans then tackled the various pension administrators/companies to get further information. This was not as easy as I would have assumed but both Kevin and Brian kept at it until matters reached a successful conclusion. I was fully informed as to the progress of their work through emails and phone calls. The financial report produced by Kevin was comprehensive and clear, just what I was looking for. This gave me the confidence to go forward with the pensions options that were considered most suitable for me.Gerry from East Sussex
We just wanted to let you know how happy we are with the work that you did for us concerning the transfer of our final salary pension. We still pinch ourselves every month when the payment comes through. We must admit we didn’t realise how much work was involved until we had the report back and are thrilled with all that you have done. RegardsGlyn & Dawn – Stoke on Trent
The Pros & Cons Of A Pension Transfer
You – participate in a cost-free, Fact-Find meeting with us:
WE – can request your CETV, if you don’t already have one:
WE – then undertake and prepare a TVAS for YOU:
WE – research your options:
ALL in agreement
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