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Services & Fees

As one of Ireland’s only independent & fee-only financial advice firms you will benefit from personal care if we work together.

We work on your behalf, helping you achieve real results and to avoid the big financial mistakes that others make.

Our clients are successful business owners & retirees with significant investment or retirement assets with us – who we help steer towards a better financial future.

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”
1

Initial Conversations

2

Your Masterplan

3

Long Term Success

Please do get in touch with us if anything here is not crystal clear, or if you would like to explore us working together.

step One

Initial Conversations – Your Priorities

We will have at least one in-depth conversation to explore your priorities, and what you are trying to achieve. We discuss and agree the results you want in your financial life, tax planning, investments and retirement plans. There is zero obligation on either of us to proceed but if we are a good fit we can decide to move on to Step 2. If not we will part as friends at no cost to you or us.

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step two

Your MasterPlan – Our Expertise

Using our expertise and specialist team we create your Informed Decisions MasterPlan™. This clear and expert analysis and strategy will give you total clarity and confidence on your financial decisions. 

Using our expertise we help you answer valuable questions like;

When can I afford to retire, and what should I be doing differently?

Am I overpaying taxes, and how can I reduce that?

Can my portfolio be improved, performance, security or fees?

Can I eliminate, or at least reduce threats to a successful retirement?

While there is zero pressure to do so (we’re thankfully quite busy!), 8 in 10 MasterPlan clients decide to move their investment and retirement plans to us. They move to MasterPlan Maintain to get better service, performance or fees.

Where we have agreed to move their structures to us following the MasterPlan™, it’s our job to put them in place for you and manage the process through. You can relax in the knowledge that your plan is in safe hands. The cost of this implementation is included in the all-inclusive MasterPlan™ fee of €3,950 (often treated as a business expense by clients)

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step three

MasterPlan Maintain – Your Long Term Success

Our personal and financial lives have a habit of changing frequently, so let’s not put the new plans in place and never look at them again!

You will benefit from proactive communications and planning meetings with Paddy. His focus is helping you have clarity on your financial life, and confidence in your plans.

Paddy will be your dedicated advisor. He will support and challenge you to make proactive decisions so that you may achieve the outcomes you deserve.

Paddy & expert team as your dedicated on-going support and guide

Your pension and investments invested in smart and cost-effective index portfolios that have stood the test of time

Prudent & secure Self-Administered Pensions, ARFs & Investment Accounts

On-Going guidance and technical expertise on your wealth accumulation and pension income draw-down – with tax planning at front of mind

Ultimately we will help you achieve your desired results and avoid costly mistakes, while removing hassle, admin and time-wasting for you.

Best suited to clients who have pension/investment assets with us of €500k+. Total annual fee range from 0.8% to 1.5% max to include all annual fund portfolio, platform, trading and trustee services, and the Informed Decisions Advisory fee. 

Uniquely we offer an advisory fee cap where clients assets exceed €1.4m. 

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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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