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FINANCIAL HEALTH CHECKS AVAILABLE, YOUR FIRST INITIAL MEETING IS AT OUR EXPENSE.

O'Toole & Associates Pension Transfer Specialists Belfast & Downpatrick

Independent Financial Advisers 

"Tax-efficient Wealth Creation, Growth & Protection"

What can we do for you?

Our aim is to help individuals and businesses to achieve their financial goals. 

Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with unbiased advice both now and in the future.

Services we offer

Protection

O'Toole & Associates LLP | Protection

Savings & Investments

O'Toole & Associates LLP | Savings & Investments Advisers

Pensions

O'Toole & Associates LLP | Pension Transfer Advisers

Inheritance Tax Planning

Inheritance Tax Planning Advisers

Ongoing reviews and News Updates

News Update

Client Testimonials

Client Testimonals

Our Adviser Team

Cormac O'Toole FPFS, LLB O'Toole & Associates LLP

Cormac O'Toole FPFS, LLB

Designated Partner 

Chartered Financial Adviser

Pension Transfer Specialist

Fellow of the Personal Finance Society

Donna Smyth DipPFS O'Toole & Associates LLP

Donna Smyth DipPFS

Independent Financial Adviser

Pension Transfer Specialist

Diary of an Adviser Cormac O'Toole FPFS, LLB

A recent profile in the Financial Times Adviser

Monday 

In the morning, I arrived at our Head office to meet with a solicitor who I have brought in to assist with the completion and sign-off on a late client’s IHT 400 form.

I very pleased with his assistance and technical direction on keeping the process moving forward for our late client’s widow.  The process of administering an estate can so easily become stuck and as multi-million pound clients then the process is more involved. I was reassured to have the process advanced to its final stages so hopefully the issue of the probate is imminent for this lady.

Usually I am in the country office on Monday until 2 pm and then it is off to Belfast again to pick up my daughter and son up from school. Once home I can log on through our secure server back to the office to keep the wheels turning.



Autumn budget 2017 summary

 BUDGET HIGHLIGHTS 

First time buyers of residential property outside Scotland will pay no stamp duty land tax on the first £300,000 of the purchase price for a home, provided its value does not exceed £500,000.  The personal allowance will rise to £11,850 and the higher rate tax threshold for the UK (excluding non savings, non-dividend income in Scotland) will rise to £46,350 for 2018/19.  The pension lifetime allowance will be increased from £1 million to £1.03 million from April 2018. There will be no change to the annual allowance.  Venture capital trusts, enterprise investment schemes and seed enterprise investment schemes will be required to focus more on companies where there is a real investment risk.  The diesel supplement for company cars will be increased from 3% to 4% from April 2018. Online marketplaces will become jointly and severally liable for unpaid VAT of UK traders as well as overseas traders. There will be several changes to business rates, notably dealing with the ‘staircase tax’ and introducing valuations every three years...

Defined Benefit Transfer Values Video

Defined Benefit Transfer Values Presentation by Cormac O'Toole FPFS, LLB &

Donna Smyth DipPFS Pension Transfer Specialist.


Defined Benefit Occupational Pension Schemes most common type is ‘Final Salary’ provides guaranteed pension income in retirement backed by employers...   Watch this video to find out more.

Video presented by Donna Smyth Dip PFS

Stock Market Investments.

Video Presented by Cormac O'Toole FPFS, LLB

Estate Planning & Inheritance Tax Changes 2017-18 Update

More Videos

There's more videos to see here. So, take your time, look around, and learn all there is to know about us and what we do.  We hope you enjoy our website and take a moment to drop us a line.

We value our clients please leave us a Testimonial

Testimonals

"Donna Smyth of O’Toole & Associates LLP has been providing pension advice to the Cancer Fund for Children and its employees for over ten years.  Over that period of time, the level of service and attention she has given to the Charity has been invaluable and her advice has been of the highest standard. Based on her professionalism, expertise and integrity, I would therefore not hesitate in recommending Donna Smyth’s services as a financial advisor."  

O'Toole & Associates LLP Blog

Compliance note:

The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trust Advice or some forms of Individual Saving Accounts (ISAs).  
Investments can go down as well as up.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
O'Toole & Associates is a Limited Liability Partnership Authorised and Regulated by

 the Financial Conduct Authority No. 466357.  

Unbiased

Unbiased Logo

In the Top 20 Independent Financial Advisers in NI

We are proud to be part of the Unbiased revolution. O'Toole & Associates LLP are now one of the Top 20 Independent Financial Advisers and Pension Transfer Specialists in Belfast. Northern Ireland on Unbiased.  See for yourself click the link above below or the Unbiased logo to the left.


Contact Us Today

Drop us an email!

Better yet, see us in person!

We love our clients, so feel free to visit during normal business hours by appointment.

O'Toole & Associates LLP

Head Office: 45 Blackstaff Road, Clough, Downpatrick, Co Down BT30 8SR, GB

02844851211

Hours

Complaints

The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trust Advice or some forms of Individual Saving Accounts (ISAs).  
Investments can go down as well as up.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.


O'Toole & Associates is a Limited Liability Partnership Authorised and Regulated by

 the Financial Conduct Authority No. 466357.  Limited Liability Partnership Registered in Northern Ireland Number 156.