Six quiet disciplines. Each one is an entire professional practice elsewhere; here they are run by
the same pair of hands, so that decisions taken in one do not quietly undo decisions taken in
another.
I — Retirement
Retirement & pension planning
The planning work that begins twenty years before retirement and does not end at the drawdown
date. We model funding, tax-free lump sum strategy, the interplay between Occupational Pension
Schemes, PRSAs, ARFs and vested PRSAs, and the Standard Fund Threshold where it applies.
When you are already retired, we manage the income strategy across multiple wrappers so that
tax, sequence-of-returns risk, and longevity are addressed by the same plan rather than by
three separate providers.
Typical clients — age 48 through late 70s
II — Portfolio
Investment portfolio management
We build diversified, low-cost, globally-listed portfolios — mostly UCITS index and factor
funds — matched to a written investment policy statement for each household. We do not run
model portfolios, we do not rebalance on calendars, and we have no in-house funds.
Our job is to keep costs low, tax reporting honest, and to prevent the two mistakes that cost
private investors decades of return: taking too much risk at peaks, and abandoning the plan at
troughs. Much of the work is quiet, patient, and boring by design.
Liquid assets advised — typically €500k – €5M
III — Estate
Estate planning & inheritance
Planning the orderly transfer of wealth to spouses, children, and grandchildren using Irish
Capital Acquisitions Tax rules, the Group A, B and C thresholds, the small-gift exemption, and
Section 72 / Section 73 life assurance. We work in concert with your solicitor on wills,
enduring powers of attorney, and the family trust structures that matter in larger estates.
The planning is specific and the arithmetic is concrete. The goal is simply that when the
estate eventually moves, it moves in the way you decided it should — not in the way the
default rules would move it.
Coordinated with existing solicitor and tax advisor
IV — Tax-Efficient
Tax-efficient savings
Structuring non-pension savings so that long-term compounding is not quietly eroded by the
wrong wrapper. That means using pensions up to the appropriate limits, using EIIS where
appropriate and within a client's risk capacity, and choosing between life assurance
investments, unit trusts, and direct securities accounts with the Irish tax treatment of each
option explicitly on the table.
This is rarely the glamorous part of the plan. It is one of the parts that quietly compounds
the most.
Reviewed annually against current Revenue thresholds
V — Protection
Business protection
For owner-managers and shareholding directors: keyperson cover, co-director and partnership
protection, shareholder buy-back planning, and the cross-option agreements that make sure an
unexpected death does not become a second crisis on top of the first one.
We quote across the Irish market, we recommend on need, and — because we take no commission —
the recommendation is not coloured by which provider pays us more. Any commission paid by the
life office is credited against your fee in full.
Reviewed alongside your company's annual accounts
VI — Pre-Exit
Pre-exit & post-sale capital planning
The specific, twenty-four-month window on either side of a business sale. Working with your tax
and legal advisors, we make sure Retirement Relief, Entrepreneur Relief, and the pension-lump
sum are all claimed correctly; that deferred consideration and earn-out elements are accounted
for; and that the proceeds, once they arrive, are structured into a plan from day one rather
than parked in a deposit account while you decide what to do next.
It is the highest-stakes piece of work most of our clients ever ask us to do. It is also the
piece we care about most.
Engagements begin 12–24 months pre-sale