Osprey Financial Planning Ltd provides financial planning and advisory services. The firm works with individuals and families seeking structured guidance on savings, investments, and long-term financial strategy. Natural referral partners include mortgage brokers, accountants, and property advisors who encounter clients needing independent financial planning advice. Estate planning solicitors, retirement coaches, and HR consultants advising on employee benefits also benefit from referral relationships. A referral to Osprey makes sense when a client requires comprehensive financial planning advice that extends beyond tax compliance, mortgage qualification, or basic accounting, particularly during significant life or financial transitions.