Financial planning
A structured review of your money, goals and responsibilities, with a personalised plan setting out your options and how to proceed.
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Financial advice for every stage of life
Financial planning is not only about pensions or investments. It is about making clear decisions with your money so your plans, responsibilities and long-term security work together.
Future Financial Planning advises individuals, families, professionals, business owners and employers across a wide range of financial planning needs.
What you receive
Our advice process gives you more than a conversation. After your consultation and review, you receive a personalised plan that sets out your options and explains how to proceed.
Depending on your needs, this may include a pension review, a retirement income plan, a protection review, a savings and investment recommendation, a business owner planning review or an employer pension action plan.
We then talk through the plan with you, answer your questions and help you take the next step.
Services
Choose the area you need help with
Pensions
Advice on pension reviews, pension consolidation, PRSAs, employer schemes, executive pensions and pension decisions after changing jobs.
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Retirement planning
Planning for retirement income, pension drawdown, ARFs, annuities, tax considerations and investment risk as retirement approaches.
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Protection
Advice on life cover, mortgage protection, income protection, serious illness cover, family protection and business protection.
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Savings and investments
Advice on regular savings, lump sum investments, education planning, fund choice, sustainable investment options and long-term wealth planning.
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Business owners
Pension funding, protection, key person cover, shareholder protection and succession planning considerations for business owners and company directors.
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Employers
Workplace pension support, auto-enrolment checks, employee pension education and communication for employers.
Learn more →Getting started
Not sure what you need?
You do not need to know the exact product, policy or pension structure before you contact us. Many clients come to us because they know something needs attention, but they are not sure where to start.
We can help you work out what matters first, what can wait and what practical steps to take next. Book a 15-minute online call, or send a message through the contact form.
Fees
How we charge
Financial advisers in Ireland are paid by fee, by commission from the product provider, or by a combination of the two. We use the combination. For a fuller explanation of how financial advisers in Ireland are paid, see our guide.
If you choose to deal with us on a fee basis, our rates are €300 an hour for adviser time and €100 an hour for support staff. We give you an estimate in writing before we start. Where we receive commission from a product provider on a policy or pension we arrange for you, that commission is offset against the fee. If the commission is more than the fee, the commission is what we receive and you pay nothing further.
Commission rates vary by product and are capped. The full schedule, including the maximum commission on pensions, protection, investments and mortgages, is on our fees and remuneration page, and the arrangements we have with each provider are published in the footer of this site.
For life assurance, protection, investment and PRSA business, Irish Life Assurance plc is our preferred product provider and our analysis is limited to their products. We also hold appointments with Zurich, Aviva, New Ireland and Royal London. Mortgage advice is given on a fair analysis basis. This is set out in our Terms of Business (PDF) (opens in a new tab).
Questions
Frequently asked questions
What happens on the first call?
The first call is a chance to understand your situation, what you need help with and whether Future Financial Planning is the right fit. You do not need to have every document ready before the first conversation.
What happens after the consultation?
After the consultation and review, you receive a personalised plan that lays out your options and explains how to proceed. We then talk through the plan with you and help you decide what action to take.
Do I need to know what service I need?
No. Many clients come with a broad question, such as whether they are on track for retirement, whether their pension is suitable or whether their family has enough protection in place.
Can you work with clients outside Dublin?
Yes. Future Financial Planning works with clients across Ireland.
Are you regulated?
Yes. Future Financial Planning is regulated by the Central Bank of Ireland.
How are you paid?
We explain any fee, commission or provider payment before you decide to proceed. Provider remuneration and commission details are also available on the website.