True Bearing Ltd (Lytham St Annes Branch)

Independent Financial Adviser  16 The Belfry, Lytham st annes, Lancashire, FY8 4NW
First meeting at adviser's own cost
Mark recently appeared as a Top Rated UK adviser in the Times.
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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ISA / Unit Trusts / OEICs
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Investing for income
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OEICs
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Offshore investments
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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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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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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Mark O'Neill FPFS
Chartered 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.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

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 qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

This AFPC module provided an advanced knowledge of life and health protection. The October 2004 examination qualified the individual to advise on long-term care insurance.

This examination assessed knowledge and understanding to analyse and evaluate a client’s circumstances and financial needs and produce a holistic financial solution based on an in-depth knowledge of financial services products.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

Accreditations
Chartered Financial Planner Later Life Accredited Adviser
What our clients say
"Mark has been advising me over the last year. He is very approachable and I look forward to our meetings, knowing that there will be clear explanations and down to earth advice delivered in a friendly yet professional way. Integrity, sound knowledge, and a high level of competence underpin all his work and I am entirely confident to recommend Mark’s services and those of True Bearing.”
Dr H, Preston
"I have known Mark O’Neill for many years now, both personally and as a client. I approached him originally due to his excellent reputation as a financial adviser. Since then, Mark has helped me to organise my retirement and investment planning with considerable expertise and knowledge. I have been particularly impressed with the regular reviews that Mark provides me with and the excellent service of his office team. I have also benefited from recommendations that Mark has made to other legal and financial professionals to protect my interests. Mark delivers first class service and cares about my interests. I have since recommended him to others and would not hesitate to do so further.”
Andrew Lancaster, Golf Professional, Lytham
"Although I have only been with my adviser for just under two years, I am very pleased and confident that he and his company are protecting my interests in these difficult times. He has always been available to chat to me, especially in the early days where he went over and above the call of duty to help and advise me with any tricky issues. I find him and his team very approachable, always return my calls promptly and I feel I can recommend them to any prospective client."
Ms D, Cheshire
“After winning the National Lottery, I was looking for an established financial adviser with expertise in higher value wealth management. My legal advisers introduced me to Mark O’Neill due to the reputation that he and True Bearing have for professionalism and plain-speaking advice. Mark works with integrity and is very passionate about understanding my specific needs. Unlike other firms I have dealt with, I feel that I have benefited from the independence of his advice and the bespoke service where he regularly reviews my planning. My priorities were to grow my investments, obtain income and mitigate the effect of Inheritance Tax. Mark has achieved these aims and I would highly recommend him and his company.”
Anon, North West England
About us

Mark provides expert, high quality financial advice throughout the North West as a Chartered Financial Planner, Fellow of the Personal Finance Society and SOLLA accredited Later Life Adviser.
Typically, Mark advises new clients with at least £250,000-£500,000+ to advise upon. He has over 25 years experience in financial services, with expertise in higher value investments/pensions advice and Inheritance Tax planning.
Most of Mark's clients have accumulated or come into their wealth. He assists clients to protect their assets and agree upon the right combination of income & growth. Mark has decades of experience to help clients achieve financial security often demonstrated with cash flow techniques reviewed as part of an ongoing service to keep on track!
Mark is also a specialist on Care Fees Planning for those privately funding care fees.
Please ask for Mark O'Neill when making contact.
2018 Award Winners;
Lancashire Business View, Red Rose Awards "Best Financial Business".
North West Chamber of Commerce BIBA (Be Inspired Business Awards) "Professional Practice of the Year" and "Excellence in Corporate Social Responsibility".

Our services

We are passionate about high quality face to face independent financial advice and are one of the most qualified firms in the UK as a practice with seven Chartered Financial Planners. We pride ourselves on excellent communication with our clients and have achieved Investors in People Gold standard in recognition of our staff and systems.
Crucially, we offer a range of ongoing service levels providing regular reviews of our client's planning to help meet their objectives.

Where to find us

16 The Belfry, Lytham, Lancashire, FY8 4NW

Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 24th February 2020

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