FAQs

We’re a planning-led wealth advisory firm. We help you turn your current situation into a clear, written plan and a sensible, low-cost portfolio, then keep you on track with regular reviews and action lists.

Company directors and founders, professionals and executives, and pre-/post-retirees who value clarity, long-term thinking, and straight talk.

Planning first, investing second. Your goals, timeframes, and risk capacity drive the portfolio - not headlines or hype.

We rely on decades of market research. Portfolios emphasise diversification, low costs, and staying invested, not prediction or market timing. Our goal is a mix you can stick with through cycles.

We calculate whether today’s pensions, savings, and investments are on track for the income and security you want. If there’s a shortfall, we set prioritised actions - save/withdraw, risk mix, costs, tax-aware steps - to close it.

Yes, typically owners of companies on the various ways they can turn the financial success of a business into personal wealth, tax efficiently.

Investing corporate cash in higher yielding assets is also an area we add value.

We also help companies devise employee benefits such as employee pension schemes, group life assurance and income protection.

We typically work with households with €250k+ in combined pensions and investments. We also work with early/mid career high earners who are looking to start building pension and investing assets and who require our expertise to get started and stay on course.

We don’t predict. We build risk-appropriate, diversified portfolios aimed at the returns needed for your plan. Values can fall as well as rise, and past performance isn’t a guide to future results.

It depends on the complexity of the plan and time involved in building the plan.

We agree fees upfront for new clients for initial planning and ongoing advice.

Where a financial account or product (such as pension/investment account or life assurance product) is arranged, a pre-disclosed commission may apply and can be offset against fees where appropriate.

Prefer a fully fee-only route? We can do that too.

See our Commissions and Fees page for the full schedule.

It is sometimes best to start with the financial item that is worrying you now. Tell us the one issue on your mind (pension choices, too many accounts, retirement income uncertainty, no idea what pension you might have in retirement, recent redundancy lumpsum etc). We’ll address that first, then grow a living plan over time.

Our discovery session is a no-obligation meeting at our expense. This is an opportunity for you to outline your financial situation or your current financial problem that you want to solve and for us to explain how we might be able to help you. It’s also a meeting to discover whether we’re a ‘right fit’ for each other. At the end of the meeting you don’t have to engage with us if you don’t want to.

Typically one formal review per year, plus check-ins as needed. You’ll also get a proactive service calendar and updates when something needs action.

Both. Each interaction is different but the initial enquiry call is normally a virtaul meeting or phone call. When someone decides to move forward we prefer to meet in person for the discovery meeting and plan presentation meetings. From then we can meet in a way that is most convenient to our clients. We have an office in Dublin and Navan but serve clients across Ireland via secure video or in-person by arrangement.

We’re owner-operated and built around clients, not products or sales targets. We are not constrained by layers of bureaucracy and we have no proprietary funds to sell.

We have no discretionary authority to make any changes to your pension or investment accounts. Any change we recommend must always be signed off by you prior to the change being made.

We focus on plain-English advice, whole of market investment instrument choice, transparent fees, and a repeatable process.

We provide tax-aware financial planning and implementation, and we can coordinate with your accountant/solicitor where their professional advice is required. We don’t provide tax or legal advice.

Your assets are held by regulated third-party custodians(Mifid investment firms), Life Assurance companies, or pensioneer trustees.

We advise and oversee, you retain ownership. This segregation of advice and custody of assets is an important safeguard.