Informed Decisions are Independent financial advisors.
We work best with people who are...
Retired, or close to it
You are retired or within a few years of doing so, and you are looking for someone to help you retire successfully.
Diligent savers
Thanks to a lifetime of diligent saving and sensible spending, you have accumulated a retirement nest egg of €1m or more.
Looking for a trusted advisor
You want truly independent counsel. You also believe the success of your financial life is too important to be navigating it by yourself!
Paddy Delaney QFA RPA APA
Director & Financial Planner
How it works...
1. Discovery
The journey begins with a deep-dive of your financial goals, lifestyle aspirations, and current financial situation. This step is crucial in laying the foundation for a financial MasterPlanTM that aligns with your values, reality, and ambitions.
We provide our Initial Call as a complimentary service, so we can each assess if we are a good fit to progress together to your MasterPlanTM
2. Informed Decisions MasterPlan™
If we move to this stage, we craft your Informed Decisions MasterPlanTM. This is a comprehensive 30 to 50 page document entirely personal to you and your circumstances.
Your MasterPlan contains detailed analysis of your current assets, strategies, performance, fees, and sequencing. It will detail specific and actionable strategies regarding these assets, plus your income, retirement draw-down, investments, gifting, estate planning, tax, and all relevant opportunities and threats.
It provides you with a practical roadmap for long-term financial success.
What’s included in your MasterPlan?
- A tailored financial strategy focused on wealth growth and preservation
- Retirement and investment planning aligned with your goals
- Tax-efficient structuring of pensions and investments
- Cost and fee analysis to enhance investment efficiency
- Stress testing your financial future under different scenarios
- Clear, actionable recommendations to implement your plan effectively
€5,950 Investment
3. Implementation & Ongoing Partnership
With your MasterPlan in place, where of value to you, we can move to executing your plan; putting in place the required cost-effective pension and/investment structures.
We ensure you are invested efficiently, and effectively with us as your single point of contact and counsel.
You engage closely with us as your trusted financial counsel, continuously optimising your plan to keep you on track, and worry-free
Ongoing support includes:
- Implementation of investment and retirement strategies
- Continuous cost reduction in pension and investment management
- Regular financial reviews to adapt to changes in markets, tax/pension changes, and personal circumstances
- Proactive financial planning support from us consistently every year
- Exclusive client-only events, with learning and interaction
- Access to expert financial guidance whenever needed
By following this structured annual process, Informed Decisions helps you achieve financial clarity, security, and in a worry-free manner.
Minimum €7k Annual Fee, capped where household invested assets exceed €1.8m
Before we begin...
At the end of this process, we will simply ask you to think about it. We are looking for long-term relationships, not a quick transaction. If you decide that we aren’t a good fit, we will happily help you find another professional with the right expertise. There is never a hard-sell or pressure to say "yes."
