Business Details
33 Years
experience
Your Trusted Partner for Financial Planning Solutions
Established in 1993, we are an independent financial planning firm dedicated to providing unbiased, client-centric advice that safeguards and enhances financial futures. Our expertise spans pensions, mortgages, investments, and retirement planning, serving clients across Surrey, London, and the UK. With decades of combined experience, our team prioritizes integrity, transparency, and long-term relationships, ensuring every recommendation aligns with individual client needs.We operate independently of product providers, allowing us to tailor solutions that reflect each client's unique circumstances and aspirations. Our commitment to excellence is evidenced by our regulatory accreditation and consistent client testimonials highlighting trust, professionalism, and tangible financial outcomes.
Services
Financial Planning
Mortgage Advice
Pension Planning
Investment Management
Retirement Planning
Details
- Year established: 1993
Highlights and features
- We offer decades of experience in independent financial planning.
- Our advice is tailored to individual client needs and aspirations.
- We operate independently of product providers for unbiased recommendations.
- Our team holds regulatory accreditation for professional excellence.
- We prioritize long-term relationships built on trust and transparency.
Associations and certifications
- Financial Conduct Authority
What people say
Sound and reliable support
Excellent advice
Pragmatic approach
Peace of mind
Satisfactory retirement funds
Services
Financial Planning
Our financial planning service creates personalized roadmaps to achieve long-term goals, integrating pensions, investments, and risk management. We assess your current financial status, lifestyle aspirations, and risk tolerance to develop adaptable strategies. Regular reviews ensure your plan evolves with life changes, market conditions, and regulatory updates.
Mortgage Advice
We provide comprehensive mortgage guidance, from first-time purchases to complex buy-to-let portfolios. Our independent status allows access to the entire market, ensuring competitive rates and suitable terms. We explain options clearly, handle paperwork, and offer ongoing support to align mortgages with broader financial objectives.
Pension Planning
Our pension planning optimizes contributions, tax efficiency, and investment choices for secure retirement. We consolidate existing pensions, recommend appropriate schemes, and model retirement scenarios. Expertise includes self-invested personal pensions (SIPPs) and phased retirement strategies to maximize income while minimizing risks.
Investment Management
We design diversified investment portfolios aligned with your risk profile and financial goals. Services include asset allocation, fund selection, and performance monitoring. Our approach balances growth potential with capital preservation, incorporating ethical investing options and tax-efficient wrappers like ISAs.
Retirement Planning
This service ensures financial security during retirement through income planning and estate management. We analyze pension drawdown options, annuities, and inheritance tax strategies. Ongoing reviews adapt to changing needs, healthcare costs, and longevity, providing peace of mind for post-retirement years.
People
Tony Lloyd
Director
With over 30 years in financial services, Tony specializes in retirement planning and investment strategy. He ensures the firm maintains its founding principles of integrity and client-focused advice.
Michael O'Sullivan
Director
Michael brings extensive experience in mortgage and pension solutions. His client-centric approach has built long-term relationships, focusing on tailored strategies for business owners and professionals.
Joe Mingoia
Managing Director
Joe oversees operational excellence and regulatory compliance. With a background in financial market analysis, he ensures the team delivers innovative solutions aligned with evolving industry standards.
Sue Michalczyk
Financial Adviser
Sue specializes in retirement and later-life financial planning. Her pragmatic approach considers clients' lifestyles and aspirations, providing clear, actionable advice that has earned numerous client testimonials.
Dean Boyd
Mortgage Consultant
Dean focuses on residential and buy-to-let mortgages, helping clients navigate complex property markets. His expertise includes first-time buyer schemes and remortgaging strategies to reduce costs.
Questions
What services does Lloyd OSullivan offer?
We provide financial planning, mortgage advice, pension and retirement planning, investment management, and specialized guidance for business owners and professionals.
How does the financial planning process work?
Our six-step process includes an initial meeting, fact-finding, strategy development, recommendations, implementation, and regular reviews to adapt to changing circumstances.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorized and regulated by the FCA, ensuring compliance with strict professional standards for client protection.
Do you charge for initial consultations?
The initial one-hour meeting is complimentary, allowing us to understand your needs before proceeding with detailed financial planning.
What areas do you serve?
While based in Weybridge, Surrey, we work with clients across London and throughout the UK.
