How we work...

Initial Consultation

Your initial consultation with our Financial Adviser will be without charge. The aim of this meeting is to assess your financial needs and objectives and for us to explain the services we can offer, and how much they will cost.

Fact Find

After the initial consultation if you decide to proceed, we will ask you to fill in our fact finding document. This enables us to get a full picture of your personal circumstances and financial situation, find out what’s important to you, determine your appetite for risk and help us to create a tailor-made plan that suits your needs and objectives.

Financial Plan & Recommendations

The Financial Plan forms the cornerstone of our service. This document will be reviewed at least annually, and includes some or all of the following:

 

  • Cashflow analysis and lifetime cashflow projection
  • Education saving plan for those with children
  • Analysis of your existing life and income insurance
  • Investment analysis and recommendations
  • Retirement plan including analysis of your existing pension(s) and post retirement support
  • Helping ensure you qualify for the State contributory pension
  • Estate and inheritance tax planning in collaboration with your legal and tax advisers
Implementation

Once we have discussed our recommendations and agreed details with you, we will provide you with a Statement of Suitability. We will then begin to implement the plan.

Follow Up & Review

We will meet you at least once a year to review your financial situation. This is to ensure that your financial plan is constantly updated as your objectives and circumstances change. We will also monitor your attitude to risk and review investments, making changes when necessary. We will be on hand throughout the year to deal with your queries.

Fees

We firmly believe in fee based financial advice as opposed to commission based advice. Fees allow us to offer a fully professional, transparent and completely impartial service without any conflict of interest.

Our comprehensive Financial Plan forms the cornerstone of our service (see above). This is the starting point in our relationship with all new clients. The plan costs €500 for clients who also have funds under management with us, or are starting to invest with us.

We charge an investment implementation fee of 0.5% (minimum €500) for advising on, structuring and implementing a new pension or investment plan.

Our ongoing annual advice and servicing fee is 0.5% of the value of funds invested (minimums may apply). This covers the annual review, updated recommendations, contact throughout the year and updated Financial Plan.

Although predominantly fee based, Ardbrack Financial will sometimes be paid a commission and other payments from product providers. In situations where we receive a commission we will disclose this to you in advance and in writing. This will form part of the remuneration for our services.

Additional fees may apply for particularly complex cases or additional services that you may request. In such circumstances we can quote a fee in advance.

Where applicable VAT will be added to our fees.

 

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