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

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O'Toole & Associates LLP Financial Advice, Chartered Financial Planners

Chartered Financial Planners, Independent Financial Advisers, Pension Transfer Specialists, Investment Planners, 

Belfast 028 90 313407 Downpatrick 028 44 851211

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"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.  


We do not hold money - we advise clients on how to grow and protect their wealth.

Advice Services we offer to our clients

Protection

O'Toole & Associates LLP | Protection

Protection

Savings & Investments

O'Toole & Associates LLP | Savings & Investments Advisers

Savings & investments

Pensions

O'Toole & Associates LLP | Pension Transfer Advisers

Pensions

Inheritance Tax Planning

Inheritance Tax Planning Advisers

Inheritance Tax Planning

Ongoing reviews and News Updates

News Update

Client Ongoing Reviews & News Updates

Client Testimonials

Client Testimonals

Client Testimonials

Our Adviser Team

Cormac O'Toole FPFS, LLB

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Designated Partner 

Chartered Financial Adviser

Pension Transfer Specialist

Fellow of the Personal Finance Society

Find out more

Donna Smyth DipPFS

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Independent Financial Adviser

Pension Transfer Specialist

Find out more

Testimonials what our clients say

"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."  


 

"I have been dealing with Cormac regarding my pension. He has been so helpful, knowledgeable and helped me understand the pension maze. He continues to be helpful when I need extra help with advice and any requests I have made are dealt with so efficiently. Would recommend the firm to anyone".
Client Feedback, Belfast

More Testimonials here

We value our clients please leave us a testimonial

click here to leave a Testimonial

Cormac O'Toole FPFS, LLB, Diary of an Adviser

A recent profile in the Financial Times Adviser

Cormac O'Toole FPFS, LLB Chartered Financial Planner

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 am 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.



Read more

Brexit & Market Uncertainty

Market Uncertainty as results of difficulties with Brexit Negotiations.  Smoothed investment funds help reduce market volatility, available with Capital Guarantees and income on Pensions and Investments.  30.11.2018.

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.

Stop and Think - Stop Financial Fraud

  1. A genuine bank or financial organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account.  Only give out personal of financial details to use a service that you're expecting to contact you, that you've given your consent to and that you trust.
  2. Don't be tricked into giving a fraudster access to your personal of financial details.  Never automatically click on a link in a unexpected email or text.
  3. Always question uninvited approaches and never give out personal or financial details, in case is's a scam.  Instead contact the company directly using a known email or phone number.

For more details click here

Contact Us Today

Drop us an email!

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Better yet, see us in person!

At O'Toole & Associates LLP 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

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

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.

Visit our Unbiased profile here

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.

O'Toole & Associates LLP Blog