Clear pension and financial advice for Irish professionals, business owners and employers
Pension planning, retirement income, income protection and employee benefits, planned around your career and your tax position. Start with a complimentary 15 minute consultation.
From individual pensions to multi-million occupational schemes.
Authorised by the Central Bank of Ireland. Fees explained before you commit to anything.
What your consultation covers
- Where you are now: pensions, savings, protection
- What you could do better, in plain English
- What advice would cost, shown upfront
- No obligation to continue
Pension and financial advice in Ireland, for when the decisions get bigger
Financial Health advises people at the point where decisions get larger and mistakes get more expensive: professionals approaching retirement with substantial pensions, retirees drawing an income through an ARF, company directors and contractors who want to take money from their company tax-efficiently, and employers building pension and protection schemes for their staff.
We cover pension planning and maximum funding, ARF and retirement income planning, income protection for employees and the self-employed, and group pensions, death in service and group income protection for employers. Every client starts with a complimentary 15 minute consultation, and our fees are shown upfront.
Which of these sounds like you?
Most people come to us at a turning point. Pick the one closest to yours.
I am 5 to 10 years from retirement
Make full use of your pension funding limits, review old pensions and plan your tax-free lump sum and the Standard Fund Threshold.
Pension adviceI am retired, or about to draw my pension
Plan how to draw your income, use an ARF wisely and make your fund last.
Retirement income planningI am a company director, contractor or self-employed
Use your company to build retirement savings tax-efficiently, with cover for you and your key people.
Business ownersI run a company and want to offer benefits to staff
Design and manage a group pension, death in service and group income protection scheme that your employees value.
Employee benefitsI want to protect my income
Cover that keeps your finances steady if illness or injury stops you from working, whether you are employed or self-employed.
Income protection
You deal with a person who gets to know your situation
Every relationship starts with a full picture of your goals, income and tax position, not a generic product pitch. We have spent over 20 years advising Irish professionals, contractors, business owners and employers.
- David Murphy, Head of Financial Planning
- Qualified Financial advisor with specialist designations in taxation, retirement planning, investment and risk management. (RPA, SIA and FPRA)
- Authorised and regulated by the Central Bank of Ireland
How we can help
Pensions and transfers
Tax-efficient retirement funds, maximum funding, consolidations and pension transfers.
Pension advice in IrelandPost-retirement planning
Drawdown strategy, ARFs and making your fund last.
Retirement income planningInvestments
Portfolios built around your timeline, risk tolerance and tax situation.
Investment adviceIncome protection
Cover that keeps your finances steady if you cannot work.
Income protection adviceFor directors and business owners
Executive pensions, key person cover and tax-efficient ways to take money from your company.
Business owner planningEmployee benefits for employers
Group pensions, death in service and group income protection, managed and monitored over time.
Employee benefits adviceAlso available: Redundancy support Employee financial wellness
How it works
Book a consultation
A complimentary 15 minute conversation to understand your situation and goals.
We review your options
A tailored review of your pensions, investments and protection needs.
You get a clear plan
A straightforward recommendation, with our fees shown upfront.
What clients say
“David explained everything clearly without unnecessary jargon and made the process easy to follow.”
Jonathan C, verified client
Guides our clients read first
Common questions
What does the complimentary 15 minute consultation involve?
It is a short, no-obligation conversation where you explain your situation and we tell you honestly whether and how we can help. If it makes sense to continue, we explain what advice would cost before you commit to anything.
How much does financial advice cost?
We explain our fees before you commit to anything, so there are no surprises. You can read the details on our statement of fees.
How early should I start planning for retirement?
Ideally 5 to 10 years before you plan to stop work. That gives you time to use your pension funding limits and tax relief, review old pensions, and plan your tax-free lump sum and how you will draw an income. It is never too late to get advice, but earlier gives you more options.
Can I transfer or combine my old pensions?
In many cases yes, but it depends on the type of pension and its terms. We review what you have, what it costs and whether a transfer is in your interest before recommending anything.
Can you help company directors and contractors?
Yes. We help directors and contractors use their company to fund pensions and protection tax-efficiently, within Revenue limits, and plan how to take money out of the company. See our business owners page.
Do you advise employers on group pensions, death in service and group income protection?
Yes. We help employers design and implement group pension schemes, death in service (group life) and group income protection, and then review how the scheme is performing so the benefits keep meeting your employees’ needs. See our employee benefits page.
I have been made redundant. How soon should I get advice?
Ideally before you sign or accept a payment. How a redundancy payment is structured can affect the tax you pay, so it helps to understand your options first. See our redundancy support page.
Are you regulated?
Yes. Shelbourne Financial t/a Financial Health is authorised and regulated by the Central Bank of Ireland.
Ready to talk about your financial future?
Book a complimentary 15 minute consultation, with no obligation to continue.