Nothing falls between the gaps
Pensions in three places, a policy you can't remember the terms of, a portfolio never reviewed. Complete brings the lot under one roof and keeps it there.
Eolas Complete · The whole picture Most popular
The full Eolas: every part of your money life, looked after.
Ongoing, comprehensive financial planning across all eight elements of your finances, with Brendan as your named Certified Financial Planner™ and your annual tax return done as part of it. This is what most of our long-term clients are on, and the closest thing in Irish financial services to a CFO for your household.
- €75 a month
- Single · €100 a month couple, over two years
- 8 elements
- Every part of your money, joined up
- Every year
- A full review, plus your tax return
- 30 days
- Notice to pause or stop. No tie-in
What you get back
One team across all of it, for as long as you want.
Someone who knows your situation
Open access to Brendan and the advisory team between reviews, so the question that comes up in March doesn't wait until next spring.
Your tax return, done
Completed every year as part of the fee, alongside the scenario planning for the what-ifs and a bespoke investment strategy for your risk profile.
What makes Complete, complete
What makes Complete different? Four things that don't exist in lighter engagements.
Across every area
Comprehensive financial planning
Budgeting, income & tax, protection, savings & investments, mortgages, pensions, retirement, planning for older age, inheritance & estate. One plan, one team, every part of the picture.
Always on
Open access to your planner
Email, phone, video - whatever fits. We're a five-person firm. Your planner picks up. Quick questions don't go on a tab, big questions get the time they need.
Quietly included
Annual tax returns
Income tax (Form 11), CGT returns, rental income - your Complete fee covers them. No surprise invoices in October. No scramble for receipts at year-end.
Scenario-tested
Modelling for the what-ifs
What if you're made redundant at 52? What if you retire at 58 instead of 65? What if interest rates double? We model the futures that worry you most - so you can stop carrying them in your head.
Who Complete is for
Who gets the most from Complete? Three kinds of household that do.
- 01
You want one team across all of it
Pensions in three places. A protection policy you can't remember the terms of. An investment portfolio that's never been reviewed. Tax returns done in a rush. Complete brings the lot under one roof.
- 02
You're at a stage where decisions compound
Mid-career, mid-life. The choices you make in the next ten years - pension contributions, mortgage decisions, investment risk - will set the shape of the thirty after that.
- 03
You'd rather not become an expert yourself
You could probably figure it out. You don't want to. Complete is for people who have a high-functioning job to do and want a high-functioning team handling the financial layer.
Everything that's in
What's included in Complete? The full list, nothing held back.
No "optional extras," no "advanced tier." Complete is, well - complete. If something material is missing from this list, we'll tell you in the discovery call.
The plan itself
- In-depth financial life plan covering all major areas - written, visual, kept current
- Scenario modelling for major life events (redundancy, early retirement, inheritance, illness)
- Bespoke investment strategy mapped to your risk profile and time horizon
- Annual cashflow forecast - what's coming in, what's going out, what's available
- Retirement & older-age modelling with Fair Deal scenarios included
The protection & investment work
- Whole-of-market product research for any recommended pensions, investments and protection
- Implementation of agreed products - paperwork, beneficiary nominations, transfers, the lot
- Periodic review of existing policies, pensions and investments against current market
- Mortgage review and re-broking when fixed rates roll off or terms change
The tax & admin
- Annual income tax return (Form 11) prepared and filed
- CGT and rental-income returns where applicable
- Coordination with your accountant and solicitor on tax and estate matters
- All policy and pension correspondence read, triaged and actioned on your behalf
The relationship
- Named CERTIFIED FINANCIAL PLANNER™ as your dedicated planner - the same person, every year
- Open access for ad-hoc questions - email, phone, video, in-person
- Annual structured review meeting every spring - same time, same advisor
- Quarterly check-in if anything material changes in your life or in the markets
The year, with us
What does a year with us look like? The relationship rhythm, in practice.
Spring
Annual review meeting
The big one. Two hours in our Clonmel office or by video. We walk through the year that was, what's changed in your life, what's changed in tax and markets, and what the plan needs to do next.
Summer
Mid-year check-in
A short, structured call. Anything material happened? Anything on the horizon? Anything we're worried about in the markets that you should know about?
Autumn
Tax-return season
We prepare your return, share it for sign-off, file it with Revenue. You see the bill (or refund) before it lands. No surprises.
Winter
Year-end planning window
The last chance to use pension allowances, gift exemptions, and any other use-it-or-lose-it relief before the calendar flips. We flag what's available; you choose what to use.
Just one or two things?
Not everything needs the whole picture. Look at Select.
One to three elements
Eolas Select
A scoped piece of work on a specific area - redundancy, inheritance, pensions - priced in writing before any work starts, and finished when the work is.
See SelectWhich one?
Let Brendan help you choose
Two widths of the same service. If a few hours of Select would serve you better than a year of Complete, Brendan will say so on the first call.
Select or CompleteOwn a business?
Eolas Business
For owner-directors whose wealth sits inside the company: your own Complete plan with the business layer added, with Jim.
See Eolas Business Book a discovery call with Brendan
A real planner, not a call centre.
Common questions
The things people ask before joining Complete.
Anything not covered here? The 30-minute discovery call is the right place to ask - bring the awkward ones too.
What does Eolas Complete cost, and what is included?
€75 a month for one person or €100 a month for a couple, paid monthly over two years (€1,800 or €2,400 in all). That covers the full financial life plan and its scenario modelling, a bespoke investment strategy, whole-of-market research and implementation of any recommended pensions, investments or protection, your annual tax return, and open access to a named Certified Financial Planner all year. There is no separate fee for implementation, reviews or questions.
Are tax returns really included?
Yes. Your annual income tax return (Form 11), plus CGT and rental-income returns where they apply, are prepared by us each autumn, shared with you for sign-off, and filed with Revenue. You see the bill or the refund before it lands. Where you already have an accountant we coordinate with them rather than duplicate the work.
What does a year with Complete look like?
Four fixed points and open access in between. Spring is the two-hour annual review, in Clonmel or by video. Summer is a short structured check-in. Autumn is tax-return season. Winter is the year-end planning window, when we flag the pension allowances, gift exemptions and other use-it-or-lose-it reliefs still available. Anything material in between, a job change, an inheritance, a market wobble, you ring or email and your planner picks up.
Can I cancel, and is there a minimum term?
You can cancel with 30 days' notice at any time; there is no lock-in and no exit fee. If you are unsure whether ongoing planning is right for you, the Essentials session (€395) is the simplest way to find out, and the discovery call before it is free.
Who will I actually be dealing with?
A named Certified Financial Planner who stays your planner year after year, backed by a five-person team. Complete clients are looked after by Brendan Reilly, who co-founded the firm in 2009 and leads personal financial planning; where the picture includes a business, Jim Stapleton works alongside him. You will not be passed to a call centre or a junior.
Start where you are
One discovery call. One decision after.
30 minutes with Brendan, free, no prep. You'll leave knowing whether Complete is the right fit, exactly what it would cost, and what the first six months would look like. If it isn't right for you, he'll tell you - and usually point you somewhere that is.