Sean O’Brien
Financial Planning Consultant, DipPFS in Brighton
A little bit about Sean
Sean is a financial adviser with a very simple aim: to deliver financial peace of mind for his clients.
Having worked in the financial services industry for over 30 years, he now provides a wide range of wealth management solutions to individuals, families and business owners. He also collaborates closely with other professionals to provide personal services to both his own and their clients.
He is focused on building long-term relationships by delivering a fully tailored and personal service. By gaining a deep knowledge and understanding of a client’s financial circumstances, needs and goals, he is able to construct detailed financial plans in order to help clients achieve their objectives as tax efficiently as possible.
The backing of Quilter allows Sean to call on the company’s considerable investment expertise and in particular their responsible investing ethos which is reflected in their adoption of the Investment Association’s responsible investment framework.
Start the conversation
Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today
Gifts that give back
December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.
Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.
This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.
Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.
Whatever you decide is best, we’ll find the most tax efficient way to do it.
Get in touch to find out more.
*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Pensions
Expert advice to help provide comfort in your retirement.
General Insurance
Home contents insurance, buildings insurance.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.