Our Fees

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. You can see my fees below.

I do 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.

Transparency

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 encouragethem 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

Unbeknownst to them, 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 €200,000 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%

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

industry norm

7% Growth

Final Value

€627,540

Reduction in Yield

2.39% per year

informed decisions

7% Growth

Final Value

€709,000

Reduction in Yield

1.11% per year

The difference

Informed Decisions is
€81,460
higher!

The Impact For You

The additional €81,460 remains in your portfolio and in your pocket instead of disappearing in fees and unnecessary charges. Why would you not do this?

On an annual basis that equates to over €8,000 of a saving in investment fees alone. €660 per month! Combined with the personal service I offer clients is resulting in clients achieving significantly better outcomes.

The savings outlined here include the initial fees client pay us for creating their Informed Decisions MasterPlan (typically €1,000 - €1,300) and the flat fee €950 for implementing new investment and retirement structures.

informed decisions

Transparency & Real Value For Clients

Transparency

How We Compare

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

The difference

The Impact For You

Typical Example

Client Engagement & Master plan

Implement Investment Account

Ongoing Guidance, Planning, Portfolio Management

final pot value

the difference

The Difference

No VAT

No Government Levy

No Exit Penalties

No Commissions

next steps

Work with Paddy