Click here for our Terms of business (Here)Terms of business April 2024

Life Fees
You may elect to deal with us on a fee basis.

Advice or Fees :   € 175 – €450 per hour

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency.

Personal Retirement Savings Accounts (PRSAs) – Fees
Where advice is requested for PRSAs, the following hourly fees will apply:

Advice or fees: € 175- €450 per hour

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. We will give an estimate of this rate in advance of providing you with services. If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the intermediary unless an arrangement to the contrary is made.

A requirement for the recent addendum to the Consumer Protection Code (Provision 4.58A), is that each broker must now make available to their customers a summary of the details of all arrangements for any fee, commission, other reward or remuneration that they can receive from each life company. This needs to be displayed on our web site and as in keeping with the  CPC guidelines, can be found here.

Sustainability Factors – Investment/IBIPS/Pension Advice
When providing advice, the firm considers the adverse impact of investment decisions on sustainability. As part of our research and assessment of products,
the firm will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG products. The firm
will at all times act in the client’s best interests and keep clients informed accordingly. The consideration of sustainability risks can impact on the returns of
financial products.

Remuneration policy
We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approach taken
by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product
provider.