No-one likes paying fees. We get it.
But it’s important you understand how we charge for our services and what impact this has on you.
Your first meeting with us will be at our expense.
You can expect to spend about an hour with us. We’ll ask you lots of questions, and at the end of that meeting we’ll be in a position to tell you if we can help you – odds are we can – and give you a sense of the costs involved.
Our costs will always be explicit, transparent, and disclosed in advance. You’ll get no surprises with Kirwans.
You will normally have a choice between having our charges paid from the investment you make, or paying us an explicit fee. We don’t mind which you choose, and our advice will never be swayed by commissions or incentives from product providers. We work for you, not them.
Without knowing you, it’s hard to say what a typical charge is. So here are a couple of case studies to give you an idea. Both are based on real people, though we’ve removed their names – finance is personal, after all.
Commission basis
“I recently received wide-ranging pension advice over the course of a number of meetings with Kirwans. It covered reviewing my pension arrangements from previous jobs, consolidating them and advising a more relevant investment strategy for what I need. They then put in place a new scheme to suit my new job and retirement goals.”
Read moreFee basis
“I’ve dealt with Kirwans for a number of years now. They insure my house and my business, advise on my pension and investments, as well as my life and illness cover. For all services, Kirwans charge me a fee each year of around €4,500…”
Read moreContact Us
Drop in or call us
8 Marine Road,
Dun Laoghaire,
Co. Dublin.
01 280 1908
info@kirwaninsurance.ie
Commission basis
“I recently received wide-ranging pension advice over the course of a number of meetings with Kirwans. The advice covered reviewing my pension arrangements from previous jobs, consolidating them and advising a more relevant investment strategy for what I need. They then put in place a new scheme to suit my new job and retirement goals.
To cover the cost of advice, implementing the new pension and transacting with the pension company on my behalf, Kirwans were paid commission by way of a small percentage of my pension fund and of any contributions I make. For ongoing advice and management of my pension they receive a small share of the fund management charge each year. The important thing to me was that they showed what they were being paid and how it affected my fund and ongoing charges. They also assured me that I would not be penalised if I stopped making pension contributions or if I wanted to move it at short notice – I have no intention of doing either, but it gave me peace of mind that I maintain complete control over my pension fund.”
Fee basis
“I’ve dealt with Kirwans for a number of years now. They insure my house and my business, advise on my pension and investments, as well as my life and illness cover.
For all services, Kirwans charge me a fee each year of around €4,500. After looking at various fee and commission options with them I felt that paying a retainer suits me best. It keeps costs clean and simple – for example, I know that my pension and investment funds are invested efficiently as my fund management fees are kept to a minimum. There are no additional charges as the advice and service costs are paid separately and I feel I’m getting great value for all the work they do.”