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Services & Fees

If you are considering us as your financial advisor, we want you to recognise that we deliberately do things a little differently. We are guided by a client-focused strategy, and we only ever implement client-focused structures. Your interests are our interests.

Why choose informed decisions?

We Specialise

We specialise in investment and retirement planning. We are not a 'jack of all'. Our expertise is most benefit to successful business owners and retirees.

Independent & Transparent

Because we are one of Ireland's only Independent advice firms (we receive zero commission income), our fees are transparent, and fully tax deductible for business owners. Industry average fees for investors is 2%+ per year. People who invest with us usually benefit from all-in fees of below 1.6%.

Carefully Crafted Porfolios

Our portfolios are carefully crafted, and have delivered better outcomes than vast bulk of high street offerings.

Value Driven

We are value-driven, based on Paddy's ambition to make a lasting and positive difference in the lives of our clients, and on how Financial Advice is done in Ireland.

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”

The Service Options

We know there shouldn't be a 'one size fits all' approach to your financial life. Because of this we have taken great care to develop two service offerings, one of which will hopefully appeal to you.

Option One

Our Personal Financial Planning & Investment Service

Our core service is a highly personal one, with Paddy being your dedicated advisor and point of contact. We will first help you develop a clear financial strategy. When of tangible benefit to you we will implement effective investment and retirement structures. We will then work closely with you to make fruitful decisions into the future.

This will be the best route for you if you...

want help to develop a clear actionable plan with existing personal or business assets, pensions & investments

want an expert knowledgeable 2nd opinion on your current strategy or structures

want your investments or pensions invested with us in cost effective and proven passive portfolios with the world's leading fund managers

want to hire an empathetic and professional advisor to work with you for decades to come

want to work closely with an advisor, have several touch points throughout the year, and know that they care about your financial future as much as you do

Option two

Our Investment Only Service

This is our 'investment only' service, developed to help you implement new investment or pension accounts in our proven portfolios. This is most suited if you know what you want, and you want to get it implemented effectively and transparently. You will have a preference for less ongoing guidance, and benefit from one check-in each year with one of our team.

Ideal for you if you...

already know what you want to do, now need someone to help you implement it properly

want to invest investment or pension assets in cost effective and proven portfolios

want one check-in per year to help you stick to the investment strategy and achieve your results

Benefits of Working With Informed Decisions

Informed Decisions Master Plan

Real Investment Returns

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Value For Money

Informed Decisions Master Plan

Clarity & Confidence

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Independent Counsel

Many of the valued clients that benefit from the MasterPlan Maintain Programme tell us our service is in stark contrast to the 2%+ fees, lack of technical guidance, and lack of care they were experiencing before they chose to invest and be supported by Informed Decisions.
Arrange an Initial Call with Paddy in confidence and at no expense nor obligation. We’d love to hear from you.

The Difference

No VAT
No Government Levy
No Exit Penalties
No Commissions
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