Being paid by clients directly is exactly what makes us independent. Our income depends on the value you get, not on which product gets recommended. We hold no ownership stake in any product provider, we take no commissions from any provider, and we're not owned by a bank, insurer, or product house. Central Bank of Ireland authorisation (C565213) as an Investment Intermediary requires us to act in your best interest, by regulation.

We're fee-based - paid by you directly, never by product providers. Fees are transparent and agreed in writing before any work begins. The structure depends on the engagement: financial planning is typically a fixed annual fee based on complexity; ongoing wealth management including implementation is typically a percentage of assets under advice, with a minimum. Full fee schedule is shared during the suitability conversation, before any commitment.

Yes. For clients who want a standalone financial plan without ongoing investment management, we offer a fixed-fee planning engagement. This covers full cashflow modelling, tax planning, pension structuring, and a written plan. Fees are agreed in writing before any work begins.