Business Details
40 Years
experience
Your Trusted Partner for Financial Planning Solutions in Liverpool
Established in 1986, R S J Financial Planning is an independent financial advisory practice based in Liverpool. Our team specialises in providing impartial investment advice, pension planning, and wealth management solutions tailored to individual and business needs. With over 35 years of experience, we prioritise understanding clients' financial goals to create bespoke strategies that adapt to evolving circumstances. Our independence ensures access to a wide range of products without bias towards specific providers. We maintain offices in Liverpool City Centre and West Derby, serving clients across the North West region.Our commitment to transparency and client-centric service has earned consistent positive feedback from long-term clients. Regular review meetings ensure financial plans remain aligned with changing personal and legislative landscapes. We focus on areas such as inheritance tax mitigation, retirement income planning, and business protection strategies. Our team's expertise spans complex financial arrangements including self-invested personal pensions and estate planning solutions. We operate under the regulatory oversight of the Financial Conduct Authority.
Services
Financial Planning
Investment Advice
Pension Planning
Wealth Management
Inheritance Tax Planning
Business Protection
Retirement Income Strategies
Risk Assessment
Estate Planning
Regular Financial Reviews
Details
- Year established: 1986
Highlights and features
- We offer 35+ years of independent financial advisory experience
- Our team holds specialist expertise in pension and inheritance tax planning
- We provide fully transparent fee structures with no hidden costs
- We maintain regulatory compliance with the Financial Conduct Authority
- We deliver personalized financial strategies through regular client reviews
Associations and certifications
- Financial Conduct Authority
What people say
Tailored financial solutions
Expert pension planning
Transparent communication
Regulatory compliance
Long-term client relationships
Services
Financial Planning
Our financial planning service creates bespoke strategies combining investment management, pension arrangements, and protection policies. We conduct comprehensive assessments of clients' current financial positions, future objectives, and risk tolerance levels. Through regular review meetings, we adapt plans to reflect changing personal circumstances and legislative updates, ensuring optimal financial outcomes over time.
Investment Advice
We provide independent investment recommendations across diverse asset classes, focusing on risk-appropriate solutions aligned with clients' financial goals. Our approach balances growth potential with capital preservation, considering both short-term needs and long-term wealth accumulation objectives. We offer ongoing portfolio monitoring and rebalancing services as market conditions evolve.
Pension Planning
Specialising in pension consolidation and retirement income planning, we help clients navigate complex pension landscapes including SIPPs and SSAS. Our expertise covers tax-efficient contributions, drawdown strategies, and intergenerational wealth transfer considerations. We provide comprehensive reviews of existing pension arrangements to optimise retirement outcomes.
Inheritance Tax Planning
We develop strategic solutions to mitigate inheritance tax liabilities through appropriate investment vehicles and trust structures. Our approach balances wealth preservation with liquidity requirements, ensuring efficient asset transfer to beneficiaries while complying with current tax regulations and legislative changes.
Business Protection
Our business protection services include key person insurance, partnership/shareholder protection, and relevant life cover arrangements. We help businesses establish appropriate risk mitigation strategies to safeguard against financial losses from unexpected events affecting critical personnel or business relationships.
People
Chris O'Toole
Managing Director
With extensive experience in financial services, Chris leads our team in delivering tailored investment solutions. He specialises in complex pension arrangements and wealth management strategies, maintaining a client-focused approach to financial planning.
Jonathan Stokoe
Independent Financial Advisor
Jonathan provides expert financial advisory services with particular focus on retirement planning and investment management. He works closely with clients to develop long-term wealth preservation strategies aligned with their personal objectives.
Alan Chiang
Independent Financial Advisor
Alan specialises in complex financial planning solutions, including inheritance tax mitigation and business protection strategies. He brings technical expertise to our team while maintaining a clear focus on client communication and understanding.
Becky MacDiarmid
Admin Team Leader
Becky oversees our administrative operations, ensuring efficient client service delivery. With deep knowledge of financial services processes, she plays a key role in maintaining our high standards of client support.
Alison Cross
Financial Services Administrator
Alison provides essential administrative support across our financial planning services. She assists with client documentation and maintains accurate records to support our advisory processes.
Questions
What makes RSJ Financial Planning different from other advisers?
Our independence allows unbiased advice across the full market, while our 35+ years of experience ensures deep expertise in complex financial planning solutions tailored to individual needs.
How do you charge for your financial advisory services?
We discuss transparent fee structures during initial consultations, with charges based on the complexity of required services. There are no hidden costs or commissions from product providers.
Can you help with both personal and business financial planning?
Yes, we specialise in integrated solutions for individuals and businesses, covering areas like pension planning, business protection, and wealth management strategies.
How often do you review financial plans with clients?
We recommend regular review meetings, typically annual or bi-annual, to ensure financial strategies remain aligned with changing personal circumstances and legislative updates.
What qualifications do your advisers hold?
Our team holds relevant financial planning qualifications and maintains ongoing professional development to stay current with industry changes and regulatory requirements.
Do you work with clients outside Liverpool?
While based in Liverpool, we work with clients across the North West region and can conduct remote consultations for those located further afield.
