Frequently Asked Questions - FAQ

Your Financial Planning Questions, Answered

1. Who are Financial Health?

Financial Health is an expert-led financial planning firm based in Ireland. We specialize in helping individuals, families, and business owners make informed financial decisions—whether you're planning for retirement, protecting your income, investing wisely, or building wealth for future generations.

2. What services do you offer?

We offer a range of tailored services including:

  • Retirement Planning & Pensions

  • Investment Advice

  • Financial Planning for Business Owners & Contractors

  • Income Protection & Life Cover

  • Estate & Inheritance Planning

  • Redundancy & Exit Strategy Advice

  • Children's Savings & Education Funds

3. Who do you typically work with?

We work with:

  • Individuals nearing or planning for retirement

  • Self-employed professionals and contractors

  • Company directors and executives

  • Families looking to secure their financial future

  • Anyone looking to make the most of their money with a clear financial roadmap

4. Is Financial Health a brokerage or tied-agent

We are a brokerage, which means we’re not tied to any specific providers. Our advice is always in your best interest, based on a fair assessment of the open market.

5. How are you paid for your services?

We are transparent with fees and offer both fee-based and commission-based models, depending on the service. During your initial consultation, we’ll outline all costs clearly so there are no surprises.

6. Do I need a large amount of money to work with you?

No. Financial planning isn’t just for the wealthy—it’s for anyone who wants clarity and confidence with their finances. Whether you’re starting to save or managing significant assets, we’ll meet you where you are.

7. What happens in the first meeting?

Our first consultation is typically a no-obligation discovery call or meeting. We’ll get to know you, understand your financial goals, and explain how we can help. It’s also your chance to ask questions and get comfortable working with us. This can be over the phone or on a MS Teams video call.

8. Can you help with pension consolidation or old pensions?

Absolutely. If you’ve had multiple jobs or old pension schemes, we can help consolidate and review your options, including Personal Retirement Bonds (PRBs) or Buy-Out Bonds, where relevant. We will explain your Leaving service options in more detail so your have clarity over the decision.

9. Do you advise on redundancy and severance packages?

Yes. We specialize in redundancy scenarios and can explain your tax-free entitlements, SCSB exemptions, and how to structure your lump sum or exit plan in the most tax-efficient way.

10. Can you help me reduce my tax bill?

Yes. We can structure pension contributions, investments, and protection policies (like Executive Income Protection) to reduce your personal or company tax liability—legally and strategically. Our partner company Shelbourne Accountants can also offer further assistance regarding Company structuring and taxation.

11. Are your services regulated?

Yes. Financial Health is regulated by the Central Bank of Ireland, ensuring all our services are compliant, ethical, and held to the highest professional standards.

All of our Advisors are fully Qualified with the Qualified Financial Advisor designation, licensed by the Institute of Bankers and Life Insurance Association.

We undertake Continuous Professional Development (CPD) to ensure the advice you receive reflects the highest industry standards and remains fully aligned with current regulations, best practices, and evolving financial strategies.

12. How can I get started?

Simply contact us to schedule a call or meeting. We’ll take it from there