Financial planning designed for independent workers

Independent work doesn’t always pay evenly. Financial Planning helps you create a clear system: pay yourself consistently, set aside tax, and build a buffer for quiet spells. We’ll get you mortgage-ready, plan for big costs, grow long-term wealth, and organise estate and inheritance wishes, all built around you.

Talk to our friendly experts today.

Mortgage ready

Estate planning

Inheritance planning

What is financial planning?

Financial planning brings clarity to how your money works. It connects your income, savings, pensions and investments into one coordinated strategy designed to support both today’s needs and long-term goals. At its core, it helps you prioritise what matters most, instead of reacting to the latest invoice.

Why it matters for independent professionals

Variable income can lead to reactive decisions without a clear structure
A defined “pay yourself” approach supports consistency and discipline
Long-term goals require intentional planning, not leftover cash
Coordinating protection, pensions and investments avoids fragmented decisions
Clear priorities reduce stress and improve financial confidence
Your sustainability preferences are also taken into account, where relevant

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Pro Tip: Pay yourself a fixed monthly amount, even when income fluctuates. What stays in the business becomes reserves, not spending money.

What is mortgage ready?

Being mortgage ready means organising your income, savings and financial records in a consistent, well-documented way before you apply, so lenders can clearly understand your financial position, even if your earnings vary.

Why it matters for independent professionals

Self-employed and contract income are assessed differently by lenders
Preparation can reduce delays and unnecessary stress
Clear records support affordability assessments
A stable savings and banking pattern strengthens applications

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Pro Tip: Six to twelve months before applying, aim for consistent income patterns, regular saving, and clear financial records. It makes the process far smoother later.

What is estate planning?

Estate planning is the big-picture plan for your assets and business. It’s about making sure your finances, ownership structures and wishes are clearly organised if you become seriously ill or pass away. Legal documents, such as wills or powers of attorney, are put in place with your solicitor as part of that wider plan.

Why it matters for independent professionals

Brings company shares, pensions, savings and property into one joined-up plan
Clarifies intentions for family and business partners
Helps ensure there is sufficient liquidity to meet debts, tax and ongoing costs
Reduces unnecessary complexity at an already difficult time
Keeps essential information easy to locate when it’s needed

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Pro Tip: If someone had to manage your finances tomorrow, would they know where to start? If not, your estate file probably needs updating.

The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.

What is inheritance planning?

Inheritance planning focuses on your loved ones. It’s about deciding who should benefit from what you’ve built, when, and in what way, while taking account of personal circumstances and potential tax implications.

Why it matters for independent professionals

Your wealth is often spread across business interests, pensions, property and savings
Inheritance tax (CAT) can significantly reduce what your family receives if not planned for
With appropriate planning, it may be possible to reduce the inheritance tax burden for beneficiaries
Unplanned tax liabilities can force families to sell assets under pressure
Clear planning reduces uncertainty and stress at difficult times

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Pro Tip: Ask yourself: “How would any inheritance tax be paid if I died tomorrow?” If the answer isn’t clear, your plan needs reviewing.

Important information: Subject to underwriting, terms, conditions, and exclusions. Legal agreements are prepared with your solicitor.

Warning: The value of your investment may go down as well as up. Past performance is not a reliable guide to the future performance.
Certain exclusions and limitations apply. Cover is subject to underwriting.
Note: Tax relief is subject to limits and may change in the future.