Browse through our Frequently Asked Questions below

Financial planning is about making your money work for you—not the other way around. It’s a structured process that helps you take control of your finances, grow your wealth, and plan for the future with confidence.

It’s not just about investing—it’s about:

• Understanding where you stand financially today.

• Setting clear goals, whether it’s buying a home, funding your child’s education, or retiring early.

• Putting a practical plan in place to achieve those goals while managing risk, tax, and investment opportunities.

A good financial plan doesn’t just prepare you for life’s big moments—it also protects you from the unexpected.

A financial planner is someone who helps you navigate life’s financial decisions, whether that’s saving, investing, buying a home, protecting your income, or planning for retirement.

At Financial Planning Matters, we go beyond just “advice.” We provide:

• A 30-minute Zoom consultation (€299) to assess where you are and what you need.

• A clear financial strategy tailored to your life and goals—no one-size-fits-all advice.

• Jargon-free guidance (we’re not tied to any bank or provider).

We offer comprehensive financial planning, covering every stage of life:

Personal Financial Planning

• A clear roadmap for your financial future, tailored to your goals.

• Cash flow modelling to show how different financial choices impact your future wealth.

Retirement & Pension Planning

• Help setting up, reviewing, or optimising your pension.

• Strategies to maximise tax relief and build long-term wealth.

Investment & Savings Advice

• Lump sum & monthly investment plans for wealth growth.

• ESG (environmental & socially responsible) investment options.

Children’s Investment Plans & College Planning

• Bare Trusts & tax-efficient savings for children’s education.

• Guidance on how to save the €140 monthly child benefit.

Protection Planning

• Income protection, life insurance, mortgage protection & serious illness cover.

• Ensuring you’re financially secure no matter what happens.

Business Owner Financial Planning

• Tax-efficient financial planning for directors & entrepreneurs.

• Business exit strategy & succession planning.

Estate Planning & Inheritance

• Tax-efficient inheritance planning & Section 72 life cover.

• Ensuring your legacy is passed on the way you intend.

If it involves money, we can help.

Investing isn’t just about chasing returns—it’s about building a strategy that fits your goals, risk tolerance, and timeline.

We focus on:

• Understanding your priorities—growth, security, or steady income.

• Balancing risk vs reward—conservative, balanced, or high-growth investing.

• Cost-efficiency—minimising fees so more of your money works for you.

• Diversification—spreading risk across different assets for a stronger portfolio.

We also stress-test your investments using advanced financial modelling—so you can see how your money could perform across different market conditions.

We believe in transparency when it comes to fees, with no hidden charges or commissions.

• Initial 30-minute Zoom consultation (€299) – to assess your needs and determine the best next steps.

• Project-based fees – for specific financial planning services (e.g. pension setup, investment review).

• Fixed-fee financial plans – for those who want a full, long-term financial strategy.

• Ongoing advice options – for clients who want regular check-ins and portfolio reviews.

We’ll always outline the fees before you commit—so you know exactly what to expect.

Starting is simple.

1. Book your initial 30-minute Zoom consultation (€299) – This helps us understand what you need.

2. Get a tailored plan – We provide clear recommendations based on your situation and goals.

3. Implement & track your progress – We help you put your plan into action and review it regularly.

📩 Email us at advice@fpms.ie or book your consultation today via the Calendly link.