01
Goals
Your savings objectives
We get a clear overview of what you're saving or investing for - short, medium, and long term - before anything else.
Savings & investment advisory 
Bespoke savings & investments.
A clear, written review of what you're saving for, the risk you're taking, the fees you're paying, and the tax on your growth - so you know exactly where you stand.
You'll be talking to Brendan Reilly CFP® · QFA · Head of Financial Planning
How it works
Is what you already have actually working for you?
Most people accumulate savings and investment products over the years - a couple of policies here, a deposit account there, maybe a child's college fund, an inheritance to steward. The pieces are rarely reviewed together.
The Savings & Investments Review pulls everything into one place. We look at the goals behind each pot, the risk you're actually taking, the fees being charged, and what the tax does to the growth - then we put it on paper.
You leave with a written Savings & Investment Report you can act on, refer back to, or simply file away knowing the picture is finally clear.
Organise your review What the review covers
What does a savings and investments review cover?
Your Savings & Investments Review is designed to look at your money from four angles - together, not in isolation.
- Needed soon Short term A rainy-day fund, the car, next year's plans
- A few years out Medium term A deposit, college fees, a career break
- Well down the road Long term Financial freedom, and something to pass on
Each one reviewed for GoalsRiskFeesTax
An illustration. Your review starts from your own goals and what you already hold.
02
Risk
Your attitude to risk
A full risk profile questionnaire to assess your risk tolerance, set against the actual risk rating of any plans you already hold.
03
Fees
Fees & charges
We look at the cost of your existing arrangements and the drag those fees place on your savings or investment funds over time.
04
Tax
Tax on growth
Assessing your existing savings and investment plans with a view to minimising the tax liability on your investment growth.
What you leave with
What will you leave with?
Not a sales pitch. A written report you can take to your accountant, your solicitor, or simply your kitchen table.
- Identified your savings & investment goals and objectives
- A clear understanding of your existing savings & investment products (if any)
- A full understanding of the risks associated with investing your money
- Confirmation of the value of your existing products - and their ability to help you reach your goals
The fee
How much does a review cost? From €800 + VAT.
Transparent, fixed-fee advice - invoiced after we've completed the work. No commission-led product pushing.
Your fee facilitates
- Discussing your overall savings & investment goals and objectives
- Assessing your attitude to investment risk
- Preparing your Savings & Investment Report
- Presenting your Savings & Investment Report to you
Useful tool
Open the calculator
Wondering what college is going to cost?
The Zurich Life Cost of Education Calculator gives you a quick estimate of what to plan for, based on your child's age and the kind of course they may end up on.
Common questions
The things people ask about savings and tax.
Anything not covered here? The 30-minute discovery call is the right place to ask - bring the awkward ones too.
How is interest on savings taxed in Ireland?
Deposit interest is taxed at 33% (DIRT, 2026), deducted by the bank before you see it. Deposits are protected up to €100,000 per person per institution under the Deposit Guarantee Scheme, which is why an emergency fund belongs in a deposit account and why anything above that limit, or that you will not need for five years or more, is worth looking at differently.
How are investment funds taxed?
Gains and income in Irish and EU investment funds and life assurance investment policies are taxed at 38%, down from 41% since 1 January 2026. The tax is charged when you cash in, and every eight years on any growth even if you have not sold (the 'deemed disposal'). Losses on one fund cannot be set against gains on another and there is no annual exemption, which is why the choice between a fund and holding shares directly is a tax question as much as an investment one.
How is Capital Gains Tax charged on shares?
At 33% on the gain, after an annual exemption of €1,270 (2026). Unlike fund exit tax, losses on one holding can be set against gains on another and carried forward, there is no deemed disposal, and dividends are taxed as income instead. For someone investing steadily over many years the difference between the two regimes can be significant, and we model both before recommending a structure.
How much should I keep in cash before investing?
Three to six months of essential outgoings, in an instant-access deposit account, before any money goes into a market-based investment. That fund is what stops a car repair or a gap between jobs turning into expensive borrowing or a forced sale of investments at the wrong time. Money you will need within five years also belongs in deposits or State Savings, whatever the rate. Everything beyond that is what the investment conversation is about.
Figures checked on 5 September 2026 against Citizens Information (DIRT), Budget 2026 summary (exit tax) and Citizens Information (Capital Gains Tax). Rules and rates change each Budget; confirm the current figure before acting on it.
Message Brendan
Organise your Savings & Investments Review.
Tell Brendan roughly what you're saving, where it sits and what it's for. Fixed fee, a written report, no commission-led recommendations - and a reply from Brendan personally, usually within one working day.
- Brendan reads these personally and replies from their own inbox.
- No obligation, and no one will chase you with a sales call.
- Prefer to talk? 052 612 9696
Get the full picture
Your savings & investments, reviewed properly.
Message Brendan to organise your Savings & Investments Review. Fixed fee, written report, no commission-led recommendations - just clear advice on the money you've already worked hard for.