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Ryan O’Connell
Partner

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My profile

As a financial planner, my first priority is to understand what you want to achieve, both now and in the future. From there, I’ll build a personalised financial plan that aligns with your goals and addresses the issue that led you to seek advice in the first place.

 

I support a wide range of clients, from:

  • High earning city professionals looking to add clarity and structure to their finances.
  • Those preparing for retirement and wanting to help make sure their assets are well structured to do so.
  • Those in retirement and looking to maximise their income on a sustainable basis to avoid running out of money.
  • Those looking to focus on estate planning and structuring their assets appropriately to minimise any potential inheritance tax for their beneficiaries.

Whilst all clients have different objectives, many value having someone who brings structure to their finances and helps them stay organised and on course. A lot of my new clients come through referrals, which reflects the trust and confidence my clients place in the work we do together.

Whether your situation is straightforward or more complex, I can help support with:

  • Financial Planning, using cash-flow modelling to map out your financial future with clarity.
  • Retirement and pension planning, helping you to step away from work on your terms and enjoy the lifestyle you want.
  • Protection advice to shield you and your family from life’s uncertainties.
  • Savings & Investment Planning – helping to make sure your money is suitably invested in line with your objectives.
  • Tax-efficient strategies to help make sure your finances are set up in a manner which maximises all tax allowances and strategies.
  • Estate and inheritance planning, helping to safeguard your wealth for future generations & to ensure it passes down as planned.

 

The Financial Conduct Authority does not regulate taxation & trust advice

The value of your investment can go down as well as up and you may not get back the full amount invested.

How I can help my clients

To help my clients reach their financial goals with clarity and confidence, I follow a structured approach:

  1. Discovery
    I begin by exploring what truly matters to my clients. I’ll take time to understand their priorities and ambitions, so we can establish a strong foundation for the work ahead.
  2. Strategy
    Together, we’ll shape a forward-looking plan designed to support their aspirations. Where helpful, I’ll use lifetime cash-flow modelling to show how their finances look today and how they may develop over the years. This provides a clear, visual basis for building a strategy tailored to their circumstances.
  3. Recommendations & Action
    Based on our discussions, I’ll set out recommendations designed specifically for my clients’ needs and objectives and guide them through putting these into place.
  4. Ongoing Review
    My clients’ circumstances and the wider financial environment will change over time. I’ll review their plan regularly, adjusting it when necessary to keep them on track and aligned with any new legislation.

Qualifications

  • CII – Diploma in Regulated Financial Advice
    • R01, R02, R03, R04, R05 & R06
  • AF7 – advanced exam in Pension Transfers & safeguarded benefits

I have adopted the Pension Transfer Gold Standard. This means I have signed up to adhere to a set of principles designed to raise the standard of professionalism within the pensions field.

My team

I work alongside a highly skilled paraplanning and administration team at Foster Denovo. Their professionalism and support mean I can devote more time to my clients while still delivering an outstanding level of service.