Fees

Below is a guide to the fees that you can expect to pay if you work with us. In some instances there will be more or less work involved than is included in the prices listed. We will always inform you of the cost before we start work.

Financial Plan

The cost of a Financial Plan is €2,000 plus VAT
This covers the cost of the FactFind Meeting, Building Wealth Assessment, Cash Flow Analysis Meeting and Catastrophe Planning Analysis, all produced with action points and report.

If from the agreed action points, you want us to implement a product for you, this is an additional cost.

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Enjoying Retirement

The cost of Enjoying Retirement will be between €2,500 and €7,000 depending on the complexity of your circumstances.

We offer fee only retirement advice as well as commission based. We will discuss both options with you so you can pick which one suits you best.

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Retirement Planning

The cost of implementing a pension plan will be between €1,000 – €1,500. Discounts are given for under 30’s.

We offer fee only retirement advice and in some instances we can be paid by commission. We will discuss both options with you so you can pick which one suits you best.

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Building Wealth

The cost of investment advice is €1,000 – €4,000 depending on the size of the premium and the plan to be implemented.

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Protection Business

We are usually paid a commission by the product provider to implement life cover, critical illness, income protection and mortgage protection. This is usually equal to the first year’s premium. You have the option of paying on a fee only basis for the implementation of any risk benefits business. Most providers do not provide a nil commission option so your choice of providers will be reduced.

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Sustainability

While we are mostly remunerated for any pension and investment advice by way of fee, in some instances we do receive a commission from product providers instead. In those cases, the commission that we receive will not influence our decision to recommend a particular product.

We consider how the companies we use have integrated sustainability risk into their investment offerings prior to making our recommendations to our clients.

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Ongoing Service Fee

We charge an ongoing service fee of 0.5% per annum on the assets that we manage.

You have the option of paying a fixed fee.

A reduced charge will be applied to larger cases.

Other Services

If you wish to engage us on projects not listed above, we will be happy to provide you with a quote of the estimated costs.

As of 31 March 2020, the Central Bank has made it mandatory for all Financial Advisors to display the maximum commission payable by product providers. We don’t charge most of these rates to our clients but you can find them here.