Oyster Financial Planning Ltd

Independent Financial Adviser  52 Pylewell Road, Southampton, Hampshire, SO45 6AQ
First meeting at adviser's own cost
Oyster Financial Planning will give you the Confidence, Peace of Mind and Reassurance about your financial future.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
Response rating
7.0/10
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FCA authorised
Last authorised 1st March 2021
Meet our advisers
MR Michael Osman Dip PFS
Managing Director & Lifestyle Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

What our clients say
Quite simply, the benefit for me is having the confidence to make life-changing decisions involving my life savings, where before I would have worried too much to take a chance. I could have spent the rest of my life regretting what I had never done. This is very liberating, but it involves a huge amount of trust on behalf of the client. In the past I have been guarded and suspicious of financial service providers, but I know my trust is valued by Oyster. As a person with very limited understanding of financial matters I would hate to be taken advantage of or mis-informed. I do believe that the service I have had to date is honest and given in my best interest.
Denise Bolam, Blackfield
About us

Do you want to feel 'Confident' about every financial decision you make?

Do you want the 'Peace of Mind' that your money is invested in the right place?

Do you want 'Reassurance' that you have a financial plan in place so that you know exactly when you can retrire and enjoy your future lifestyle?

Our Aspire Financial Planning service does all of this and more.

At Oyster we provide all the traditional services you would expect from an independent IFA.

Our Aspire service allows us to learn everything you earn, now and in the future plus any liabilities and assets.

We then add in the cost of your desired 'lifestyle' both now and into the future.

We can then demonstrate with an easily understood picture concept what your financial future will look like. This will then become the framework for all financial decisions you make in the future.

You will know the impact of every financial decision you make before you make it, helping you make an informed choice each and every time.

For a FREE initial meeting, make an appointment and come see us on Hythe Marina, just outside Southampton.

Our services

Our main strength as a truly 'Independent Financial Planner' is carefully listening to our clients needs and then creating carefully structured solutions to ensure all of your immediate, short term and longer term ambitions happen.

We have various different services to meet the diverse needs of our clients.

We can choose from the entire range of providers, investment choices and products.

Having advised for over 20 years we have a clear proposition, that our clients truly value, working with partners who we have used for many years.

Cost and customer service are central to everything we do at Oyster.

Where to find us
Head office address: 52 Pylewell Road, Hythe, Southampton, Hampshire, SO45 6AQ
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 1st March 2021

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