Joseph O'Shea

What is your average day like:‍

No two days are the same, which is part of what I enjoy most about this role. A large part of my time is spent working closely with our small, dedicated team to keep everything centred on client outcomes. Some days I’m out of the office meeting clients face to face — something we and our clients still really value — and on others it’s the technical aspects of the job, problem-solving, or checking in with the team to make sure we’re delivering what matters for each client. The constant is that everything revolves around our clients, their goals, and ensuring the right support and solutions are in place not just today, but on an ongoing basis.

What do you like most about your job?

For me it’s the mix of people and sometimes technically challenging problem-solving. I’ve always thoroughly enjoyed the technical side of financial planning, but it only comes to life through the people we work with. I get to help a wide range of individuals and families, each with their own story, and I value building relationships — and solutions — that last. Helping clients make sense of complex decisions and seeing the difference good planning and the right solutions make for them and their families is what makes this job so rewarding.

How long have you worked in Financial Services

When asked this, I usually say “over 20 years now” — but the truth is I’ve been saying that for the past five years! So yes, it’s now over 25 years. The industry has changed hugely in that time, but I still enjoy the challenge and can easily see myself doing another 25. What’s kept me engaged is the mix of technical detail, evolving regulation, and most importantly, the chance to help people make decisions and find the best solutions that have a real impact on their lives.

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What Joseph's Clients Have to Say

Joe’s expert advice gave us clarity for retirement. Insightful, honest, and highly recommended!

Joe is trustworthy, skilled, and dedicated—exactly the adviser I needed to reach my goals.

Joe’s clear, caring advice made pension and tax planning simple and stress-free.

Joe explains everything clearly and puts clients first—no pressure, just genuine guidance.

Joe took time to understand us and gave clear, unbiased advice—never pushy, always helpful.

These testimonials are from current clients of advisors in the Trusted Advisor Network. No compensation (non-cash or otherwise) was provided in exchange for these testimonials. Trusted Advisor does not have any material conflict of interest with the persons giving these testimonials.

Joseph O’Shea is a Chartered Financial Planner with over 25 years of experience helping individuals and families make confident, informed financial decisions. A founding partner of a successful national advice business before joining Cove, Joe brings deep technical expertise and a calm, people-focused approach to every client relationship.

No two days are the same for Joe — one might involve meeting clients face to face, another collaborating with his team or refining strategies to deliver the best outcomes. He thrives on the balance between technical problem-solving and building lasting relationships, always ensuring that advice remains tailored, transparent, and aligned with each client’s goals.

Known for simplifying complex financial concepts and providing clear, practical solutions, Joe is trusted by clients who value his integrity, experience, and genuine commitment to their long-term success.

(Fun fact: Joe once accidentally drove down the steps of North Yorkshire Police HQ — thankfully, both he and the car made it out unscathed!)

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