Many Irish Companies have excess cash on their balance sheet and are running strong cashflow surpluses. These Companies may benefit from a Pension Max Funding exercise in order to make a calculate the amount of Cash that can be extracted out of the Company Tax-Free and into the Pension Schemes of the individual Shareholders.

Companies / Partnerships who have more than one Shareholder / Partner often run the risk of this key individual either dying or being unable to work due to illness or injury.

We advise on Keyperson policies in place to ensure that the family members of the individual, the Business itself and the remaining Shareholder(s) / Partner(s) are protected financially in the event of an unfortunate event.

In a low interest rate environment, the levels of fees & charges in Pension, Charity or Investment Portfolios can be unnecessarily excessive.

Those with larger investment amounts can benefit greatly from a forensic review of the total fees & charges imposed on their Portfolios & a subsequent re-negotiation or change of provider to reduce costs.

Individuals or Families with significant wealth face the inevitable challenge of the beneficiaries of their Estate paying Capital Acquisition Tax (CAT) of 33% on asset values above the respective Group Thresholds.

We work with fellow advisors in identifying 3 main CAT Reduction Strategies: Section 72 Whole of Life Policies, Section 73 Savings Policies and Investment accounts to house the Small Gift Exemptions.