Our Services

Your business needs will change throughout your journey. Your priorities in relation to your business financial plan will change accordingly. From initial set up all the way through to when you exit, a carefully thought out financial plan will help you to achieve success throughout.

We can arrange mortgages for Principle Private Residences / Residential Property Investment and Commercial Property Investment. Our consultants can assist you to identify the right property and the most

efficient way to buy your target property and the best value mortgage terms available.

Smart Choice Consultants have vast experience with Pension Scheme funding and advice. We offer a full advisory service regardless of the individual circumstances. We have agreements in place with the vast majority of pension providers in the Irish Market. We regularly advise the Self Employed, Company Directors, Senior Executives as well as company employees.

Employer’s obligations and options in terms of funding pensions for employees will change profoundly from Jan 2024 with the introduction of the new compulsory State Auto Enrolment Scheme (AE) . It is critical that all employers of any size appraise themselves of the implications of the new AE scheme and the most effective options available to employers to fulfil their Statutory legal obligations in this regard.

We offer advice on the range of self-administered pension options. In certain circumstances, clients may require a self-directed investment option as part of the pension scheme. This is usually to enable them to invest in a more sophisticated type of an investment fund or a single specific asset. The more experienced the investor and the more a self-administered scheme may make sense. Our consultants been advising clients and managing the different types of self-administered pension schemes available in Ireland for over 25 years. They have in depth knowledge of the type of pension schemes available to you.

New mortgage, re-mortgages, loans to purchase both residential and commercial properties.

Research indicates that the total cost of employee turnover is about 150% of an employee’s salary. So how you can retain staff more effectively. Providing Staff Benefits is the number one factor that creates staff loyalty in a highly tax efficient and cost effect manner. Talk to us today about a range of cost effective benefits for your employees including. Death in Service, Income Protection, Serious Illness and Retirement Benefits.

SmartChoice Financial Brokers offer a corporate advisory service to the HR Executives and the Board of Directors of all our company clients. Corporate Advice is one of the most important parts of running a business, whether it is a large multinational corporation or a small business entering the market. It is easy to put provisions in place, but without careful consideration of the potential pitfalls major issues can arise in relation to BIK liabilities and capital tax liabilities that are easily avoidable. Solutions come in the form of Co-Shareholders Insurance, Keyman Insurance, Group Pension and Staff Risk benefits and Executive Planning. Increasingly Corporate Investment vis a vis money on deposit at zero to low interest rates is becoming more common and advice is also provided in this area.

Age of accessing pension assets can vary and can be as early as age 50 – depending on the client circumstances.

The retirement itself is of paramount importance. We can offer advice on when a client should retire, or whether they should wait. Do they need to retire? What retirement options are available to them and which of these they should choose.

Many businesses are unaware of the need to protect their Shareholders and/or Key Person in the business. Shareholder cover is of paramount importance when setting up in business.

At Smart Choice we don’t just sell products. Instead, we take a holistic approach to investment planning and advice. We will look at our client’s overall wealth, their circumstances both in their business and in their family lives, and we get them to identify what it is that they wish to achieve. Because of impartiality and our years of experience we can often find the ideal solution for them to achieve their goals, put an appropriate plan in place for them. We are committed then to regularly reviewing our clients’ circumstances in order to ensure that they remain on track to

achieve their goals.