We listen to our clients’ concerns, learn about their lifestyles, and help them make their dreams a reality.
– Jane McAleese, MD Fenrir Financial
Services
Here at Fenrir Financial, we’re driven to make a real impact on each and every one of our clients.
We believe that financial planning changes lives. We will help you to learn, understand and become more confident in your ability to manage your finances.
Financial Planning
Financial Planning
Women’s Wealth
Women’s Wealth
Protection & Insurance
Protection & Insurance
Investing
Investing
Retirement and Pensions
Retirement and Pensions
Legacy & Family Wealth
Legacy & Family Wealth
FAQs
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What services does Fenrir Financial offer?
Financial Planning
Financial planning is the process of creating a comprehensive strategy to manage your finances and achieve your life goals. It involves cash flow analysis, risk management, investment and retirement planning. At its core, financial planning is about making informed decisions to secure your financial future and ensure peace of mind.
Cash Flow Analysis
Cash flow analysis is a vital part of financial planning that examines your income and expenses to understand how money moves in and out of your finances. It helps identify spending patterns, areas where you can save, and opportunities to optimise your budget. We analyse your current and future cash flow, to ensure you have a clear picture of your financial health and can make informed decisions to achieve your financial goals.
Risk Management
Risk management in financial planning focuses on protecting you from unexpected financial setbacks. This involves identifying potential risks—such as health issues, accidents, or death—and ensuring you have the right insurance coverage in place. By proactively managing risks, we help safeguard your financial stability and improve your financial resilience.
Investment Planning
Savings and investment planning in financial planning is about building and protecting your wealth over time. This involves setting aside funds for short-term needs and emergencies while strategically investing for long-term growth. By balancing risk and return, we help ensure your savings and your investments are aligned with your financial goals, providing a secure foundation for your future.
Retirement Planning
Pension planning is the process of preparing for a stable and sufficient income during retirement. It is about securing your financial future. This involves setting up savings and investment strategies to build a robust retirement fund, ensuring you have sufficient assets built up that you can draw upon when you retire. By planning ahead, we protect you from financial uncertainty and help you maintain your desired lifestyle throughout retirement.
Who are Fenrir Financials’ typical clients?
- Female professionals.
- Clients within 10 years of retirement.
- Women going through significant life events (e.g. divorce, recently widowed, career change).
- Typically have pension/investment assets in excess of €500k
- Income in excess of €150k pa
We work particularly well with women and have a deep understanding of their needs and concerns. We also work with clients who are embarking on their financial journey.
What qualifications and experience do your advisors have?
Amongst our team, we have the following qualifications, certifications (e.g., CF®P, CFA, ACII, LCI), and years of experience.
- Qualified financial adviser (QFA)
- Grad Dip in Financial Planning
- CERTIFIED FINANCIAL PLANNER™ professional
- Chartered Insurer, Associates of the Chartered Insurance Institute
- Professional Diploma Compliance
- Msc in Accounting & Finance
- College Interns & new entrants working under supervision whilst studying for QFA qualification
What is the financial planning process?
At Fenrir Financial, we view financial planning as a continuous journey tailored to your unique goals and circumstances. Here’s a brief overview of what this journey entails:
- Discovery: We begin by understanding your financial situation, aspirations, and concerns. We listen to your life story and truly understand what matters to you.
- Goal Setting: Together, we define clear, achievable financial goals. Whether it’s planning for early retirement, funding education, or building wealth to provide you with more lifestyle choices, your goals become the roadmap for our journey.
We’ll work together to understand your goals and ambitions and then start putting a plan in place to achieve them. - Data Gathering: Together, we collect all necessary financial information, including income, expenses, assets, liabilities, employee benefits and protection policies. This comprehensive picture helps us craft a tailored strategy.
- Strategic Planning: We create a detailed plan based on your goals and financial data. This includes risk management, cash flow analysis, investment strategies, retirement planning, and other key elements designed to achieve your objectives.
Your financial plan is dynamic, designed to adapt to changes in your life and the financial landscape. - Implementation: We implement the plan by selecting the appropriate products, setting up accounts, and executing other necessary steps. Our team handles the details, ensuring everything aligns with your strategy and implementing the plan precisely and carefully.
- Monitoring and Review: Regular check-ins and annual planning reviews are essential to track your progress toward your goals. We stay vigilant for any changes in your situation or the financial landscape that might require adjustments.
- Adapting and Evolving: Life is full of changes. As your circumstances and goals evolve, so does your financial plan. We remain flexible and proactive, ready to adjust our strategies to keep you on the path to success.
Fees and Costs
We want you to understand how we get paid for the service we provide. We provide details of our various service level agreements below.
We are fee based and can be remunerated by either fee or commission from product providers or a combination of both.
We have three service level agreements, noted below, as well as a pay as you go option.
Our service level does not include the cost for your initial Financial Plan.
Depending on the assets placed with us, there may be an additional charge for your ongoing review meeting. We’ve outlined our fees below:
- Initial financial plan fee generally ranges from €1,500 – €3.500
- Ongoing Planning review fees minimum €2,000 pa (by fee or commission).
- Pay as you go ad-hoc or project advice – @ €300 per hour
If there are any material changes to our fees and charges you will be contacted in advance. If there are any material changes to third party charges, we will endeavour to notify you to the extent that we have been pre-advised by the third party.
| Who is it right for? | Clients with substantial assets requiring sophisticated financial planning and wealth management. Wants expert advice and may require frequent planning meetings. They want a financial planning partner to look after their needs and the needs of their loved ones. | Clients who have built wealth over the years and is seeking more comprehensive financial planning and clarity around future cashflows. They want a long term relationship with the financial planning partner. | Clients starting their financial journey and wish to put the correct foundations in place within a low-cost structure. They are looking for a financial planning firm to partner with. |
| Advanced Wealth Management Clients | Growth and Stability Clients | Financial Foundation Clients | |
| Maximum Initial Implementation Fee as a % of asset | 1% | 2% | 4% |
| Maximum ongoing client fee as a % of asset | 0.50% | 0.75% | 1.00% |
| Minimum investible assets with Fenrir Financial | €3,000,000 | €1,000,000 | €500,000 |
| Unlimited Access To Fenrir Financial Team | Yes | 2 Planning Review Calls/Meetings per year | 1 Planning review call/Meeting per year |
| Assigned Financial Planner and Client Service Associate | Yes | Yes | Yes |
| Includes Financial Plan | Yes (see under fees & costs above) | Yes (see under fees & costs above) | Yes (see under fees & costs above) |
| Includes Cashflow Modeling | Yes | Yes | Yes |
| Annual Planning Review | Yes | Yes | Yes |
| Basic cashflow analysis and key performing indicators | – | – | Yes |
| Full cashflow analysis, gap analysis and key performing indicators | Yes | Yes | No |
| Issue Planning Tasks and Follow Up Calls to remain on track | Yes | Yes | No |
| Access Planning to Notebook | Yes | Yes | No |
| Assist with all application forms | Yes | Yes | Yes |
| Assist in paperwork required for filling of tax returns | Yes | Yes | Yes |
| Will attend meetings with client’s tax and legal advisors | Yes | Yes | No |
| Introduce children and grandchildren to financial planning | Yes | No | No |
Please note the 2024 fees above will be adjusted in line with inflation.
Insights
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What our clients say about us
Karen Mulligan & Jonathan Moran
November 2022
From our first meeting with Jane we were both put completely at ease. We had tried to manage our finances without any long term goals for a number of years. Our first conversation with Jane really showed us the potential of long term planning and broadening our portfolio. She helped us easily navigate this space (neither of us with any business / finance background) while also allowing us to feel in control of all decisions that were being made. We are so grateful for all her help in creating a bespoke portfolio for our financial goals.
Seán MacRoibeáird
November 2022
We have dealt with Jane and her team for many years and in that time we have found them to be professional, conscientious and knowledgeable. We value the guidance and advice we have received. They have always been approachable and provide a personal service. They have at all times sought to provide guidance and recommendations which match our appetite for risk and our life goals. I would have no hesitation in recommending Fenrir Financial to anyone looking for professional financial planning and advice.
Donal and Linda Walsh
Directors DW Walsh Architects
November 2022
We have been clients of Jane for many years, and we consider the advice and guidance we have received during this time to have had a positive effect on our finances and future outlook. Fenrir Financial has in-depth knowledge of financial products, taxation, and pension options and we rely on them to make informed decisions. Client services, managed by Tammy are, always professional and efficient. We now have a relationship built on trust and would have no hesitation in recommending Fenrir Financial.
Anna Maria Barry
I cannot recommend Jane and Tammy highly enough. They provided me with financial advice, guidance, and most importantly a tailored financial plan. Everything was clearly explained and easy to understand from day one. It was a collaborative approach. Jane delivered a sound financial plan. Tammy coordinated the workflow with a professional flair. I am confident Jane and Tammy of Fenrir Financial, have provided me with a clear pathway to my financial future. I am and for sure will remain a very satisfied client.
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