WHAT WE DO
What we actually do, in plain terms.
How we think, how we work, and what we deliver.
OUR APPROACH
Engineered financial planning for the families we support.
Financial planning, done properly, is not a brochure or a list of recommendations. It is an engineering discipline.
​
We build a model of your financial future based on your current life and what you are working towards. We stress-test that model against bad markets, longer life, tax changes, and family events. We identify the risks that could derail the plan years before they materialise, so decisions can be made today while there is still time to correct them.
​
That is what engineering wealth means. And it only works because we get to know the families we support properly, fully, and for the long term.
OUR PROCESS
How we work - from first call to long-term partnership.
01 Discovery
We want to understand your situation and what you are trying to achieve. Equally, you should be assessing whether we are the right fit. We want clients who are right for Elliott, and we want Elliott to be right for you.
02 Goals
Before any plan is built, we need to understand what you are trying to achieve. Not in financial terms alone, but in life terms. What does a good outcome look like in ten years? Those answers shape everything that follows.
03 Data Gathering
The comprehensive fact-find. Income, assets, pensions, liabilities, existing protection, tax position, family situation. The more detail you share, the better the plan we build. Nothing is irrelevant at this stage.
04 Engineering Planning
We engineer your plan. Detailed cashflow modelling. Every assumption stress-tested against bad markets, longer life, tax changes, and unplanned events. Risks identified before they materialise. We do not commit until we have challenged it from every angle.
05 Implementation
The plan becomes concrete. Pensions structured, investments built, protection put in place through regulated advice across our panel of providers. We handle the heavy lifting so you do not have to.
06 Monitoring & Review
The plan is a living document. Quarterly reviews against milestones. Annual deep dives across the full picture. Adjustments when life moves — a market shock, a job change, an inheritance, a new chapter. We stay with you for the long term.
OUR SERVICES
Everything you need, under one roof.
Financial Planning
The strategic spine. A written plan built around your life. We model your financial future, stress-test every assumption, and identify what needs to change before it becomes expensive.
​
-
Lifetime cashflow modelling
-
Tax planning and structuring
-
Retirement timing and income planning
-
Family protection planning
-
Goal-based financial planning
Investment management
Portfolios built in-house and grounded in our evidence-led investment philosophy. Independent of any provider, designed around your goals, liquidity needs, risk profile, and tax position.
​
-
Portfolio construction & asset allocation
-
Investment implementation
-
Performance monitoring & reporting
-
Risk management
-
Portfolio rebalancing maintenance
Pension Planning
Whether you are building a pension, approaching the Standard Fund Threshold, or consolidating multiple schemes, the decisions you make here compound for decades.
​
-
Director pension planning
-
PRSA and AVC strategy
-
Pension consolidation
-
Standard Fund Threshold planning
-
Personal pension and executive pension advice
Retirement Drawdown Planning
The decade before and after retirement is where most plans go wrong. We model it, stress-test it, and build a drawdown structure designed to last.
​
-
ARF drawdown strategy
-
ARF versus annuity advice
-
Sequence of returns risk protection
-
Tax-efficient drawdown sequencing
-
Pension lump sum advice
Inheritance Tax Planning
Passing wealth to the next generation without losing a third of it to CAT requires a plan built years in advance, not weeks before it is needed.
​
-
Inheritance tax planning
-
CAT planning
-
Lifetime gifting strategy
-
Succession planning
-
Dwelling house relief and agricultural relief
Specialist Advisory
For situations that go beyond standard financial advice. Business exits, tech equity, and cross-border moves require deeper expertise than most Irish advisers carry.
-
RSU tax planning
-
ESPP and share option advice
-
Business exit planning
-
Director wealth extraction
-
Cross-border tax planning
HOW WE INVEST
Portfolios designed in-house, built around you.
Our investment proposition starts with what we believe about markets.
Then it gets personalised - properly - to your specific situation.
Six beliefs behind every portfolio.
01 Markets Work
We capture market returns efficiently rather than trying to outsmart them. Evidence-led, not prediction-led.
02 Risk Adjusted Returns
There are no shortcuts. The right level of risk depends entirely on you - not on what the market is doing.
03 Costs are Decisive
Cost is the most reliable predictor of future returns - and the one variable we can actually control.
04 Diversification Protects
Spreading across thousands of holdings is the closest thing to a free lunch in investing. We use it deliberately.
05 Discipline > Cleverness
The biggest threat to long-term returns isn't a crash - it's the reaction to one. Holding the line is the work.
06 Time in the Market
Missing the 10 best days over 20 years can halve your return. We stay invested. We don't try to time markets.
BUILT AROUND YOU
Three questions decide your portfolio.
The market doesn't dictate your allocation. Your circumstances do. Three questions tell us what kind of portfolio is right for you.
01
Risk capacity
How much risk can you afford?
Based on your financial situation, income stability, and other assets - not just how you feel.
02
Risk tolerance
How much risk are you comfortable with?
We use psychometric tools to understand your true risk behaviour, not just what you say but predicting how you may act with volatility.
03
Time horizon
When will you need the money?
Longer horizons let us tilt toward higher-returning assets; shorter ones call for more stability.
