Financial Advisory

Independent, expert financial guidance that puts your goals first — helping you build, protect and pass on your wealth with confidence.

At a Glance

Who it's for

Individuals, families & HNW clients

Engagement

Ongoing annual review relationship

Independance

100% independent — no product bias

Delivered by

QFA Qualified Financial Advisors

Overview

What is Financial Advisory?

Managing your personal finances is one of the most important things you’ll ever do — yet most people never get professional advice until a major life event forces them to. Whether you’re planning for retirement, coming into a lump sum, protecting your family or thinking about passing on your wealth, the decisions you make now will shape your financial future for decades.

Crestlyn’s financial advisors are 100% independent. We have no ties to any bank, insurer or investment house, which means we recommend products and strategies solely because they’re right for you — not because of commissions or preferred supplier arrangements.

We take a whole-of-life approach to financial planning, building a comprehensive picture of where you are today and mapping out a clear, actionable plan to get you where you want to be. And we’re with you at every review, adjusting the plan as your life and circumstances change.

What’s Included

Everything covered under one roof

Our financial advisory service covers all aspects of your personal finances, investments and financial future, so you have one trusted team handling everything for you.

Comprehensive Financial Plan

Full review of your income, assets, liabilities, protection and goals — with a written action plan

Pension Planning

Review and set-up of occupational, PRSA and executive pensions — maximising your tax-free contributions

Investment Planning

Diversified investment portfolios aligned to your risk profile, time horizon and goals

Retiremnt Incom Planning

Drawdown strategies, ARF planning and sustainable income modelling for retirement

Life & Income Protection

Needs analysis and independent sourcing of the most competitive life assurance and income protection cover

Inheritance & Estate Planning

Strategies to pass on your wealth efficiently, minimising CAT exposure for your beneficiaries

Savings & Lump Sum Advice

Guidance on where to place savings, redundancy payments, inheritance or business proceeds

Annual Review Service

Dedicated annual review meeting to update your plan, rebalance investments and track progress

Who It’s For

Is this service right for you?

Our financial advisory service is designed for:

Individuals in their 40s and 50s thinking seriously about retirement planning for the first time

Business owners looking to extract wealth from their company tax-efficiently via pensions

Families who have received an inheritance and want professional guidance on investing it

People approaching retirement who need a clear income plan for the years ahead

High-net-worth individuals seeking independent, whole-of-market investment advice

Anyone who has never had a formal financial plan and wants to understand where they stand

How It Works

Our Financial Advisory process

Discovery Meeting

We spend time getting to know your full financial picture — income, assets, debts, protection, goals and concerns. This meeting is free and without obligation.

Financial Analysis

We analyse your current position, model different scenarios for your future and identify gaps in your planning — particularly around pensions, protection and investment.

Your Financial Plan

We present a written financial plan with clear, prioritised recommendations. We explain everything in plain English and answer every question before you make any decision.

Implementation & Annual Review

Once you're happy, we implement the agreed plan on your behalf. Each year we review your progress, adjust for any life changes and ensure your plan remains on track.

Common Questions

Frequently asked questions

How much should I be contributing to my pension?

The Revenue maximum is age-related — ranging from 15% of net relevant earnings at age 30 to 40% at age 60 and over. However, the right contribution depends on your retirement goals, other assets and income. We’ll model your specific situation and tell you exactly what’s needed to achieve the retirement lifestyle you want.

Is my money safe with the investment funds you recommend?

We only recommend regulated funds from authorised investment managers. All funds are held in your name, separately from the fund provider’s own assets, and are subject to the oversight of the Central Bank of Ireland. We also diversify across multiple asset classes and managers to reduce concentration risk.

When is the right time to start financial planning?

The honest answer is: now. The earlier you start, the more time compound growth has to work in your favour. But it’s never too late — clients in their 50s and 60s can still make significant improvements to their retirement outcomes with the right advice. If you’ve been putting it off, a free consultation costs nothing.

Are you truly independent — or do you get paid by the product providers?

We are fully independent and whole-of-market. We can be remunerated by a combination of fee and/or commission depending on your preference, and we will always disclose exactly how we are paid before you engage us. Our recommendations are never influenced by product provider relationships.

Ready to Get Started?

Book a free 30-minute consultation with one of our QFA-qualified advisors. No obligation, no jargon.