Meet our Team

Cormac O'Toole FPFS, LLB Chartered Financial Planner, River House Belfast

Cormac O'Toole FPFS, LLB

True Potential LLP

 Financial Adviser (Restricted Whole of Market)  

Designated Partner 

Chartered Financial Planner

Pension Transfer Specialist 

Fellow of the Personal Finance Society


  • Cormac joined in 1995 after graduating with joint honours in Law and Accountancy from Queens University.
  • Qualified Financial Adviser and a specialist in Pension Transfers. Retirement Options, Taxation and Trust planning using Investments and Protection.  

Cormac is a pension transfer specialist authorised under FCA rules to give advice on occupational pension transfers for clients. 


G.B. O'Toole BA (Hons) CertPFS – (known as Barney)

Designated Partner 

Founder.  Barney came to the commercial sector from a finance background as an executive in the UK Civil Service.  From 1986 to 1994, he trained, qualified and practised in a brokerage as an Independent Financial Adviser.  He started his own financial planning business in 1994, working from home. In 1997, he moved the business to No.45. He qualified as a recognised trainer of advisers and continued to assemble the current team. 

Donna Smyth DipPFS  Independent Financial Adviser River House Belfast

Donna Smyth DipPFS

Independent Financial Adviser

Pension Transfer Specialist 

  • Donna Joined in 1998
  • Qualified Financial Adviser
  • Specialist in Retirement Options.
  • Business Taxation and Trust planning using Investments and Protection.

Donna is a pension transfer specialist authorised under FCA rules to give advice on occupational pension transfers for clients. 



Administration Team


Denise Tumelty

  Assistant Manager

  • Client and business security.
  • Incoming and outgoing mail - both electronic and manual.
  • New business co-ordination.
  • New business register.
  • Client Services.
  • Research.
  • ​Investment Fund comparisons.
  • Suitability reports.
  • Wrap platform transactions.
  • Annual Leave and absences.
  • Individual Pay & Staff Attendance record. PAYE – HMRC Account payments.


Lisa Davey

Company Secretary 

  • Keeping a diary and  appointments for visitors and meetings.
  • Agenda – compile an ongoing list of points for general office meeting and board meeting 
  • Gabriel Return, returns via the accountant to HMRC. 
  • Monitoring attendance of individual members of staff, annual leave, sick leave & special leave, etc. 
  • Employment contracts,
  • Liaising with company solicitor 
  • Employers Liability Insurance
  • Health and Safety at work 

Elaine Hanna O'Toole & Associates LLP

Elaine Hanna


  • Report Coordinator Technical Support
  • Suitability report Co-Coordinator.
  • Client pension research.
  • Client pension projections and income calculations.
  • Research on - collation of investment products, company comparisons, investment growth rates, funds etc.
  • Liaising with providers.
  • Preparing client presentations.
  • Online valuations and administration.

Brenda Fitsimons Office Co-ordinator @ O'Toole & Associates LLP

Brenda Fitzsimons

 Office  Coordinator

  • Cash flow fees Income.
  •  Income pipeline account.
  •  Introducers accounts.
  •  Chasing providers.

Robert Dobbin O'Toole & Associates LLP

Robert Dobbin

 Compliance & Cyber Security 


  • Cyber Security Coordinator.
  • Compliance  Coordinator.
  • Online Marketing - Bing Ads Accredited Professional 
  • IT Projects, websites, Youtube 
  • Stationery orders and general housekeeping.
  • Health & Safety Officer
  • Fire Marshal



Website builder 

CAA PfCO Approved Drone Pilot


Matthew Fitzsimons

 Office Administrator Student

  •  Reading Business & Administration