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Ruthlessly Independent,
Fee-Based Advice

We prefer our relationships to be based on total transparency, so we detail here exactly what clients pay for the value we bring them. We hope it will help you decide if we might be a good fit for you or not.

Do you find it odd when you go to buy something, but can't see the price?! 99% of advisors in Ireland do not list their fees coherently.

We believe in utter tranparency, even before we work together. It may also help you decide if we might be a good fit for you or not.

“With Informed Decisions, clients typically pay a total of 1-1.2%, to include the costs of all custody, fund management, and on-going financial planning, guidance and my personal support”

Clients invariably find that they were paying considerably more in older investments and pensions structures that they had. As you will see below our offering compares very favourably against the norm.


In Paddy's own words: "As one of the only Irish Ambassadors of the international volunteer movement ‘Transparency Task Force’ I campaign for fair and transparent fees for investors."

"In my work with advisors I encourage them to focus on the clients goals and desires, instead of products & sales. Fortunately there is a real shift under-way, it is slow but the tide is turning back in favour of the consumer, pension holders and investors of Ireland."

In 2018 a European Regulation called ‘Packed Retail Investment and Insurance Products’ (PRIIPS) came into force. This forced providers to give clarity to investors about the fees that they pay on investment products. Investors since 2018 are obliged to be given what is known as a ‘Key Investor Document’ (KID). What has been really eye-opening is that despite many clients being told that they are paying 1% to 1.5% in annual fees, these KIDs show that they are more often paying 2-2.5% in annual fees.

“A Department of Social Protection report recently found that the average annual fee for most investors is 2.2% per year, when underlying charges are included”

How We Compare

Surprisingly, despite many clients being told that they are paying 1% to 1.5% in annual fees, a recent study by the Department of Social Protection found that investors are paying an average 2.2% in opaque annual fees.

Without realising it, most pension-holders and investors in Ireland are paying 2.2% per year in fees.

Industry-Average Annual Investment Fees
= 2.2%

WIth Informed Decisions, clients know exactly who they are paying, why they are paying them, and what they receive in return.

Informed Decisions Advisory Fee: All Financial Planning, Advice, Meetings and Support: 0.5%*
+ Global Custody, On-Line Access & Admin: 0.3%
+ Diversified Portfolio - Index Funds: 0.20%
= 1%

*Advisory Fee for amounts €300,000 and €500,000 = 0.6%
Advisory Fee for amounts €500,000-€1,000,000 = 0.5%
Advisory Fee for amounts over €1m = 0.4%
Global Custody & Admin in certain retirement structures: 0.4%

John Sherry

Paddy showed me how to take the profits I’ve earned from my business and to convert them into personal money, in a meaningful and cost-effective way.

€400,000 invested for 10 years with average 7% growth

industry norm
7% Growth

Final Value


Reduction in Yield
2.39% per year
informed decisions
7% Growth

Final Value


Reduction in Yield
1.11% per year

The difference

Informed Decisions is

The Impact For You

If you invested €400,000 over 10 years with two different companies, one charging 2.2% and the other charging 1%, both growing at 7% per year; your return would have been €81,460 more in the 1% investment. This is thanks to the magical power of compounding. 

That is over €8,000 of additional growth, or a saving of €8,000 per year in investment fees. €660 per month more for you, thanks to a 1.2% fee differential

The savings outlined here include the flat fee clients pay us for creating their Informed Decisions MasterPlan (€1,200-€1,500) and for implementing new investment and retirement structures (€1,500).

Typical Example

Client Engagement & Master plan

Client engages me to help them define the desired results, conduct analysis and create their Informed Decisions MasterPlan.

Based on 14 hours of analysis and recommendation

Implement Investment Account

Where there is a desire to work together and a tangible benefit to clients we will implement their new strategy.

Fixed cost for establishing their account, no matter what the amount.

Ongoing Guidance, Planning, Portfolio Management

On an investment of €600,000 the total all-in fee per year for our clients is 1% of assets. This is the total cost per year for all custody, admin, fund fees, and the services from me. This included on-going financial planning, guidance, reporting, on-line access and a relationship which stands to deliver results for us all over the long term.

€600,000 x 1%

final pot value

€600,000 invested over 10 year period, paying a total fee of 1%, and average annual growth of 7%

Final Pot value with Informed Decisions

Reduction in yield of 1.09%

the difference

The final pot value with Informed Decisions includes the initial outlay for your Discovery MasterPlan, the costs of implementing your accounts and the total annual fees payable for all services you receive from us. Final Pot value if paying industry norm of 2.2% = €940,310 and reduction in yield of 2.39%.

The difference is€124,123 - yours to keep.

Our Fees

We offer real value for money. Like you, we are in business to be profitable & to exist to support you over the long term

In all circumstances, you will know exactly what costs are involved, before engaging us or giving the go-ahead on any regulated advice. We express the value we add to client's lives here in our Client Care Programme

Stage 1

Your Informed Decisions MasterPlan™

Clients pay €1,750 for the creation of their personal, fully unique and tailored Informed Decisions MasterPlan™. This is typically treated as a business expense by our clients. The fee includes all phone calls, meetings, analysis from us and our technical team and the creation of your MasterPlan™ report itself. You receive both a physical and an encrypted electronic copy for your records. Paddy will be your point of contact at all times in this.

This road-map outlines exactly where you are, and where you can get to in relation to your specific financial planning opportunities. It is central to any future work we do together. Clients tell us this is one of the most worthwhile exercises they have had done in regards their financial planning.

Stage 2

Taking Action

Investment/Pension Implementation

When you decide to work with us on your Investment & Retirement Planning we will take great care in Implementing your new Pension or Investment structures. We offer a flat fee of €1,500 for the implementation of each new structure. Elsewhere, you will unknowingly pay commission of 1-3% of your invested amounts, which many believe is poor value for money.


If you set up a new Self-Administered Pension scheme, ARF or Investment with us of €700,000, you pay us €1,500 for our expertise in establishing this new scheme on you or your company's behalf. Elsewhere, this can cost you between €7,000 and €21,000 in commission percentages.

Because we operate on a non-commission basis, none of the solutions we propose ever contain any early exit penalties or punishing 'allocation' rates.

Stage 3

Our Ongoing Relationship & Client Care Programme

The "Client Care Program" underpins our ongoing Financial Planning and Advisory service. You also get access to our professional partners

  • Our minimum annual fee is €3,000 per client / couple
  • The cost of the annual Advisory Fee is met by deducting the agreed fee from any investment we manage on your behalf. Alternatively, you can settle our fee from your personal or business bank account via monthly standing order
The tiered schedule of annual Advisory Fees
  • 0.5% on €1m+
  • 0.6% on €500 to €1m
  • 0.7% on €300k to €500k

Your portfolio of €700,000 is made up of Personal Investment and Self-Administered Pension with us. The Informed Decisions Advisory Fee is €4,200 per year (0.6% * 700,000).

While it is most likely that you would benefit from doing so, where there is a good fit and scope for us to work together, we may offer our Advisory Service and Client Care Programme without you having structures directly under our counsel.

hugh murray
dolmen recruitment

I had been looking for someone that I knew I could trust to steer me in the right direction. I can say with all honesty that I trust Paddy Delaney with my business, my family and my own financial future. He has cut my pension fees by over 60% and has given me a clear vision of how I can best protect everything that is important to me for the rest of my life.

Third Party Fees

Within any investment and pension structures there are two other elements to be aware of. These you will be paying for with any provider, whether you realise it or not!

  • Firstly, fees levied by the custodian or "platform". This provider administers your investments, gives access to the pension wrapper or investment structure, and provides tax-reporting, on-line access etc.
  • Secondly, fees charged by the fund you invest in (we only use smart and secure passive evidence-based funds). Paying high fees to fund managers does not correlate to better long term returns, if anything the opposite it usually the case

We secure best-rates for our clients, so these fees are typically between 0.3%-0.4% for custodianship/trusteeship/admin, Plus 0.20%-0.3% for the underlying funds we select to get the desired results

If we worked together and your Investment Portfolio was €700,000, the total annual fee would be as low as 1.1%

For this, you are getting:

  • Ongoing Customer Care Programme and support directly from Paddy, plus access to the technical expertise of our team of consultants on an on-going basis
  • Comprehensive investment due-diligence, administration, safe-keeping and reporting
  • Efficient and proven Fund Management and real returns
  • Hand-Holding: Most people think they won’t need it, but us keeping you honest and accountable to your financial plan, and preventing you from reacting to either market highs or market lows, is central to what we do for you. This aspect alone can and does pay for itself many times over.This aspect alone can and does pay for itself many times over.
You can decide for yourself if that compares well to the 2%+ fees, the lack of technical guidance, and the lack of care that most of the clients who approach us were previously experiencing.

Ready to become a client?

Start your journey

Informed Decisons exists to help people in a meaningful way. We strive to work with valued clients who want to work with us over the long term, and to do so in partnership. I believe the goal for most of us is to live a life free of financial concern. I hope I get the opportunity to help you do so

The Difference

No Government Levy
No Exit Penalties
No Commissions
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