Question 1

What exactly do you offer and how is it different from other financial advisors?

Accepted Answer

Empowered Money provides comprehensive financial planning specifically tailored for Irish families and businesses. Unlike large institutions that treat clients as numbers, we offer genuinely personal service with direct access to qualified advisors. Our approach combines strategic wealth building, protection planning, and retirement optimisation. We're Certified Financial Planners and focus on long-term relationships rather than product sales. Most importantly, we explain everything in plain English, ensuring you understand every recommendation before making decisions about your financial future.

Question 2

How does your process work from initial consultation to ongoing support?

Accepted Answer

Our proven three-step process begins with a comprehensive 45-minute consultation where we analyse your current financial position and understand your goals. This initial meeting is completely free with no obligation. Next, we create a personalised financial strategy tailored to your specific circumstances, covering pensions, investments, protection, and tax efficiency. Finally, we implement your plan and provide ongoing support with regular reviews to ensure you stay on track. Throughout this process, you'll have direct access to your advisor - no call centres or junior staff. We believe financial planning should be collaborative, transparent, and stress-free.

Question 3

Is the initial consultation really free, and what happens during this meeting?

Accepted Answer

Yes, absolutely. We offer a genuine 45-minute consultation with no cost and no obligation whatsoever. During this meeting, we'll review your current financial situation, understand your short and long-term goals, and identify opportunities for improvement. You'll receive immediate insights about your finances and clear recommendations for moving forward. There's no pressure to proceed - our goal is to provide value and show you exactly how we can help. Many clients tell us they learn more in this single session than they have from years of dealing with banks or other advisors.

Question 4

How much do your services typically cost and how do you charge fees?

Accepted Answer

Our fees are completely transparent and discussed upfront before any work begins. We operate on a fee-for-service basis for financial planning, with typical costs ranging from €500-€2,000 depending on complexity. For investment management, we charge annual fees starting from 0.75%. Many of our recommendations actually save clients money - for example, we often reduce insurance premiums by thousands whilst improving coverage. We also earn commission on certain products, but this is always disclosed and often results in no direct cost to you. During your free consultation, we'll explain exactly what our services would cost for your specific situation.

Question 5

Are you properly regulated and what are your team's qualifications?

Accepted Answer

Yes. Empowered Money Management Limited is regulated by the Central Bank of Ireland and we maintain all required professional qualifications. Both our planners hold the Certified Financial Planner (CFP®) designation and undergo continuous professional development to stay current with Irish regulations and best practices. We're also members of Brokers Ireland, the representative body for insurance intermediaries. We maintain professional indemnity insurance and operate under documented compliance procedures.

Question 6

Do you only work with wealthy clients or can you help people just starting out?

Accepted Answer

We work with Irish individuals and families at all income levels and life stages. Whether you're a young professional just starting your career, a family wanting to protect their future, or someone approaching retirement, we can help you make the most of your financial resources. Our strategies are scalable - the same principles that work for high-net-worth clients can be adapted for smaller portfolios. We believe everyone deserves quality financial advice, not just the wealthy. Many of our most successful client relationships began with modest savings that we helped grow substantially over time.

Question 7

How long does it take to see results from your financial planning?

Accepted Answer

You'll see immediate benefits from our initial analysis and recommendations, often identifying savings opportunities worth thousands within the first consultation. For protection planning, policies can be arranged within 2-4 weeks. Investment strategies typically show meaningful results over 12-24 months, though market conditions affect short-term performance. Pension optimisation benefits compound over time - the sooner you start, the more dramatic the long-term impact. Our clients often tell us they wish they'd started working with us years earlier because of the difference proper planning makes to their financial confidence and wealth building.

Question 8

What if I'm not satisfied with your service or advice?

Accepted Answer

Client satisfaction is our top priority, which is why we maintain a 95% client satisfaction rate. If you're ever unhappy with our service, we'll work immediately to address your concerns. We have formal complaints procedures in place. Most importantly, we build our reputation on long-term relationships, so we're invested in your success and satisfaction. We also provide clear documentation of all recommendations, so you'll always understand the reasoning behind our advice and can track the results over time.

Question 9

What's the first step to get started with Empowered Money?

Accepted Answer

Simply book your free 45-minute consultation through our website or call us directly. We'll arrange a convenient time to meet, either in person or via video call. Before the meeting, we'll send you a brief questionnaire to help us prepare, but this takes less than 10 minutes to complete. There's no preparation required on your part - just bring any questions you have about your finances. After the consultation, you'll have clear insights about your financial position and a roadmap for improvement, whether you choose to work with us or not. We're confident that once you experience our approach, you'll understand why so many Irish families trust us with their financial future.

Your financial future deserves expertise you can trust

Why Irish families choose Empowered Money

Certified Financial Planners

Personal approach

Proven results

Always available

Meet your financial guides

Shane O'Toole, CFP®

Tom Kostus

Nikki Byrne, CFP®

Fiona Hoekstra

Common questions answered

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