Business Details
10 Years
experience
Trusted Financial Advisers in Haddington, East Lothian
OSullivan Associates has been providing tailored financial advice to individuals and businesses for over two decades. Our focus lies in understanding client circumstances to deliver practical solutions aligned with their financial objectives. As an authorised and regulated firm by the Financial Conduct Authority, we maintain rigorous compliance standards to ensure client trust and regulatory adherence. Our expertise spans pensions, investments, protection, wills, and auto-enrolment services, with a commitment to transparency in remuneration and client education. We serve clients across Scotland and the North of England, offering both in-person consultations and digital support.Our team prioritises long-term relationships built on expertise, ethical practices, and a deep understanding of evolving financial landscapes. Clients benefit from our experience in navigating complex financial decisions while adhering to UK regulatory frameworks. We provide accessible resources, including free brochures and online calculators, to empower informed decision-making. Our complaint resolution procedures align with industry standards, ensuring accountability and client satisfaction. With a foundation built on twenty years of direct experience, we combine personal service with professional rigour to address both individual and business financial needs.
Services
Pensions
Investments
Protection
Wills
Auto Enrolment
Details
- Year established: 2016
Highlights and features
- We offer 20 years of experience in financial advising
- Our team provides tailored financial solutions
- We are regulated by the Financial Conduct Authority
- Our services cover pensions, investments, and protection
- We serve clients across Scotland and North England
Associations and certifications
- Financial Conduct Authority
Services
Pensions
We offer comprehensive pension advice to help individuals and businesses optimise retirement savings. Our services include pension reviews, contribution strategies, and tax-efficient withdrawal planning. Clients benefit from our expertise in navigating UK pension regulations and market options.
Investments
Our investment advisory services focus on creating diversified portfolios aligned with client risk profiles and financial goals. We provide ongoing portfolio reviews and market analysis to maximise returns while managing risks. Clients receive tailored guidance on asset allocation and investment selection.
Protection
We help clients secure financial protection through life insurance, critical illness cover, and income protection policies. Our approach assesses individual needs to recommend appropriate coverage levels and policy types. We also review existing policies for adequacy and value.
Wills
Our will-writing services ensure clients' assets are distributed according to their wishes while minimising inheritance tax liabilities. We collaborate with legal professionals to create legally sound wills and trust arrangements. Regular reviews keep documents current with changing circumstances.
Auto Enrolment
We assist businesses in meeting auto-enrolment obligations through pension scheme selection and compliance support. Our services include employee communications, contribution calculations, and ongoing scheme management. Employers benefit from simplified processes and regulatory compliance assurance.
People
Michael OSullivan
Owner
With 20 years as an Independent Financial Adviser, Michael leads OSullivan Associates' client-focused approach. His expertise spans pensions, investments, and protection planning under FCA regulation. He prioritises tailored solutions and transparent communication for both individual and business clients.
Questions
What services does O'Sullivan Associates offer?
We provide pensions, investments, protection, wills, and auto-enrolment services tailored to individual and business financial objectives.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under register number 434743.
Which areas do you serve?
While based in Haddington, East Lothian, we advise clients across Scotland and the North of England.
How can I access your financial resources?
Visit our website for free brochures, calculators, and digital services to support informed financial decisions.
What experience does the team have?
Our lead adviser has 20 years of direct experience as an Independent Financial Adviser (IFA) in the UK market.
