Who We Help · Employees & Professionals
Financial Advice for Employees & Professionals in Ireland
A good salary doesn’t always translate into financial confidence. If you’re a PAYE employee earning well but unsure whether your money is really working — or how to fund a home, your children’s future and your own retirement — we help you turn a strong income into a clear, joined-up plan.
Last reviewed by Debbie Cheevers, QFA, RPA · 30 June 2026
Who this is for
You don’t need to be wealthy or self-employed to benefit from good advice. We work with employed people who simply want to make smarter decisions with what they earn:
Good earners who feel their money should be doing more but aren’t sure where to start.
People planning a home, children and the years ahead who want one coherent plan instead of scattered products.
From a workplace pension you don’t fully understand to a lump sum you don’t want to waste — if it’s on your mind, we can help.
Financial planning on a good income — where does it all go?
One of the most common things we hear from employed clients is: “I earn well, so why is there nothing left at the end of the month?” A strong salary without a plan tends to expand to fill your lifestyle, leaving little to show for it. Good financial planning isn’t about budgeting harder — it’s about giving your income a job.
We help you understand exactly where your money goes, set goals worth saving for, and build a simple structure that puts your surplus to work automatically — across pensions, savings and investments — so a good income finally turns into real progress rather than just a comfortable life with little behind it.
A clear picture of your income, spending and surplus — so decisions are based on facts, not guesswork.
Goals worth saving for, and a simple structure that directs your surplus toward them every month.
Pensions, savings and investments set up to grow automatically, so progress happens without willpower.
Buying a home
Buying a house is the biggest financial decision most employees ever make, and getting the foundations right matters as much as the mortgage rate. We help you plan the deposit, understand how lenders will view your income, and make sure the right protection is in place so your home is secure whatever happens.
A clear savings strategy to build your deposit efficiently, including how to make the most of any lump sums or bonuses.
Understanding how much you can borrow and how to present your finances so you’re ready when the right home appears.
Mortgage protection and income protection so a setback never puts the roof over your head at risk.
Providing for your children
Whether it’s building a fund for education, giving them a head start with a deposit one day, or simply making sure they’d be looked after if something happened to you, planning for your children is about turning love into something practical.
We help you start early and invest sensibly so time and compounding do the heavy lifting, and we make sure your protection is structured so your family’s lifestyle is secure no matter what. Small, regular steps taken now can make a remarkable difference by the time your children are grown.
Start early and invest sensibly so time and compounding build a meaningful fund for school or college.
A growing pot that could one day help with a first car, a deposit or a debt-free start in adult life.
Life cover and income protection structured so your family’s lifestyle is secure no matter what.
Understanding and making the most of your pension
Most employees have a pension through work but few feel they really understand it — what they’re paying in, whether their employer is matching it, how it’s invested, or whether it’s anywhere near enough. That uncertainty quietly costs people some of the most valuable, tax-efficient money they’ll ever have.
Pension contributions attract income tax relief at your marginal rate, and the amount you can contribute tax-efficiently rises with age — from 15% of earnings under 30 up to 40% from age 60, subject to an earnings limit of €115,000. We help you understand your workplace scheme, capture any employer match in full, review how it’s invested, and decide whether topping up through an AVC makes sense — so your pension stops being a mystery and starts being a plan.
We explain your workplace pension in plain English — contributions, employer match, charges and funds.
Employer matching and tax relief are the closest thing to free money there is — we make sure you’re getting all of it.
Where it helps, AVCs let you boost your pension and reduce your income tax at the same time.
What to do with a lump sum
A bonus, an inheritance, a maturing savings policy or a redundancy payment can be a real opportunity — or it can quietly drain away. The right move depends on your goals, your timeframe and the rest of your financial picture, which is why a lump sum is one of the best moments to get advice.
We help you weigh up the options: clearing expensive debt, topping up your pension for the tax relief, investing for growth with access when you need it, or keeping an emergency buffer secure. Often the best answer is a considered blend — rather than letting the money sit in a low-interest account losing value to inflation, or spending it before you’ve decided what it’s really for.
Paying down high-interest borrowing is often the highest guaranteed return available to you.
Adding to your pension can attract income tax relief at your marginal rate — up to 40% back.
Put money to work for the medium to long term, with access when you genuinely need it.
Hold an accessible emergency fund so an unexpected cost never derails your plans.
Understanding how your taxes work
Tax is where a good income quietly leaks away — and where a little planning makes the biggest difference. The tricky part in Ireland is that almost every type of money is taxed differently: what you earn, what you save, what you invest and what you pass on all follow their own rules.
You don’t need to become a tax expert. But knowing the headline rates — and how they apply to your own situation — helps you make smarter choices, from where you hold your savings to how you invest and how you plan an inheritance. We keep it in plain English and show you the options.
PAYE income tax at 20% or 40%, plus USC and PRSI. Pensions and credits keep more of it.
Deposit interest is taxed by DIRT at 33% — safe for short-term cash, but inflation can outpace it.
Shares: CGT at 33% (first €1,270 free). Funds & ETFs: exit tax 38%, deemed disposal every 8 years.
CAT at 33% above your threshold. A child can inherit €400,000 from parents tax-free.
These rates apply to the 2026 tax year and are general information, not personal tax advice — your own position may differ. We’ll walk you through exactly what applies to you.
How we work with you
A relaxed, no-obligation conversation about your income, your goals and the questions on your mind.
We review your pension, savings, protection and tax position to find the gaps and the easy wins.
A clear, whole-of-market plan that joins up your home, family, pension and savings goals.
We revisit your plan as life changes — a new home, a child, a pay rise — so it always fits.
Frequently asked questions
I earn a good salary but never seem to get ahead — can advice help?
Absolutely — this is one of the most common reasons people come to us. A good income without a plan tends to be absorbed by lifestyle. We help you give your money a purpose so it builds real progress rather than just funding a comfortable month.
Do I need advice if I already have a pension through work?
Often yes. Many employees don’t fully understand their workplace scheme, aren’t capturing the full employer match, or could top up tax-efficiently through an AVC. We help you get the most from what you already have.
How much can I put into a pension tax-efficiently?
You get income tax relief on an age-related percentage of your earnings — from 15% under age 30 up to 40% at age 60 and over — subject to an earnings cap of €115,000. We help you decide how much to contribute through your scheme and AVCs.
What should I do with a bonus or lump sum?
It depends on your goals and the rest of your finances. Common options include clearing expensive debt, topping up your pension for the tax relief, investing for growth, or keeping a secure buffer — often a blend. A lump sum is a great moment to take advice before deciding.
Is the first consultation really free?
Yes. The first conversation is free and with no obligation — it’s simply a chance to understand your situation and show you how we could help.
Make your income work harder
Book a free, no-obligation consultation and we’ll help you turn a good salary into a clear plan for your home, your family and your future.