FAQs
The financial planning process shouldn’t feel intimidating. Here, you’ll find answers to the questions we get asked most often about who we are and how we work.
Where are meetings held?
You can meet with us at our head office in Nenagh, Co. Tipperary, or via Microsoft Teams.
Do you offer independent financial advice?
Yes. We operate on a non-restricted basis, so we can consider a wide range of providers and products across the market. Any recommendation is made in line with your circumstances and what you want to achieve.
Are you regulated by the Central Bank of Ireland?
Yes, we are fully regulated by the Central Bank of Ireland. This means our advice and processes must meet the regulator’s standards.
Can I choose between meeting in person or on a video call?
Yes, we can meet in person at our office in Nenagh or online via Microsoft Teams. We will agree on the format that works best for you.
Where are face-to-face meetings held?
Face-to-face meetings are held at our office in Nenagh, Co. Tipperary. If you prefer, we can also meet online.
Do you have parking at your office?
Yes, there is plenty of parking in Nenagh and we cover the parking cost. We will ask for your car registration before your meeting, so everything is arranged.
How long has Chartered Capital been providing financial advice?
We have been trading for more than five years, and our advisers have over 25 years of combined experience in finance. This means you get a modern planning approach backed by deep experience.
Where are you based, and do you work with clients outside your local area?
We are based in Nenagh, Co. Tipperary, and we work with clients across Ireland. Meetings can be held online, so you do not need to be local to work with us.
What qualifications do your advisers have?
All our financial advisers are Qualified Financial Advisers and Certified Financial Planner™ Professionals, and we are also Chartered Accountants. We keep our knowledge up to date, so you receive advice that reflects current rules and standards.
Do you have any client reviews or written/video testimonials, and where can I view them?
Yes, we have client testimonials on our website, as well as Google and Trustpilot reviews. These give you a sense of what it is like to work with us.
What makes your firm different from other financial advisers and planners?
All our financial advisers are also Chartered Accountants, which supports a joined-up view of your finances. We use technology to keep planning and reporting clear and efficient.
What are the key cities, towns, and areas you work with clients in?
We work with clients nationwide across Ireland, and many meetings take place over Microsoft Teams. We also meet clients in person in Nenagh when needed.
How can I book an initial meeting?
Initial meetings are arranged using the “Book An Appointment” button on our homepage. We may ask you to complete a short questionnaire first, so we understand what you want help with.
Do I have to pay for an initial meeting?
No, the initial meeting is at our expense. It helps you decide whether our approach is right for you, with no obligation to proceed.
What do I need to bring to an initial meeting?
We will send you a questionnaire to complete online before the meeting. This helps us focus on what matters to you and use the time well.
What happens in the first meeting?
We will discuss your current position and what you want to achieve by working with us. We will also outline what the next steps typically look like if you decide to proceed.
How long should I allow for an initial meeting?
An online initial meeting usually takes about 45 minutes. If we meet in person, allow up to one hour.
Do I have to sign up to your services at an initial meeting?
No, there is no obligation to proceed at the initial meeting, or at any point. You can take time to decide whether we are the right fit for you.
Do you have a female adviser or planner I can work with?
Yes, you can choose to work with a female financial adviser. We will take your preference into account when arranging support.
What happens if my financial planner is away on holiday?
If your adviser is away, our wider team will be on hand to help with urgent queries. We aim to make sure you still get timely support.
How often will I hear from my financial adviser or planner?
We typically hold one annual progress meeting, and you can contact us during the year if anything changes. You will also receive at least one annual valuation report setting out the value of your pensions and investments.
Do you offer cashflow forecasting/planning as part of your service?
Yes, cashflow forecasting forms part of our planning process, using cashflow planning software. It helps you explore how your finances could develop over time, using assumptions that can change.
What happens if my circumstances change?
If your circumstances change, we will talk through the next steps and update your plan where needed. This helps keep your planning aligned with your goals.
Can you work alongside my accountant or solicitor?
Yes, we regularly work closely with clients’ accountants and solicitors. With your permission, we can share information, so the advice is joined up.
What happens if my adviser leaves the firm?
This is unlikely, but if it happens, we will explain the next steps and make sure you are supported by our wider team. We aim to make any handover as smooth as possible.
Will I be able to see the value of my investments online?
Yes, you will have your own login to the investment platform. This allows you to view valuations and updates online.
Can you advise on personal pensions?
Yes, we specialise in personal pensions. We explain your options and how they fit into your wider plan, based on your circumstances.
Can you help me consolidate multiple pensions?
Yes, we can help you review multiple pensions and consider whether consolidation is appropriate. We will explain potential benefits and drawbacks before you decide.
Can you help me take my pension tax-efficiently?
Yes, we can advise on tax-efficient ways to take pension benefits. Tax treatment depends on your circumstances, and tax rules can change.
Can you help with ethical or sustainable investing?
Yes, we will discuss your ethical or sustainable preferences at the outset and reflect them in the investment approach where suitable options are available. Investments can go down as well as up.
Can you help me invest an inheritance I’ve received?
Yes, we can help you decide what to do with an inheritance, including whether investing is appropriate for your goals and attitude to risk. Investments can go down as well as up.
Can you advise on Final Salary or Defined Benefit transfers?
Yes, we can advise on Final Salary or Defined Benefit transfer options where this is appropriate. We will explain the implications and risks so you can make an informed decision.
Do you offer advice on long-term care or later-life planning?
Yes, later-life and long-term care planning can be covered as part of your overall financial plan. We consider how potential care needs could affect your finances over time.
Can you help with Inheritance Tax planning or estate planning?
Yes, we can discuss estate planning and Inheritance Tax considerations in general terms as part of your wider plan. Tax rules depend on individual circumstances and can change.
Can you advise on investments?
Yes, we can advise on personal or corporate investments. Investments can go down as well as up.
Can you advise on protection such as life insurance, critical illness cover, and income replacement?
Yes, we can advise on protection such as life insurance, critical illness cover, and income replacement. We help you compare options and decide what level of cover, if any, is appropriate for you.
Do you offer a free initial consultation?
Yes, the initial consultation is at our expense. It helps you understand how we work and whether you want to proceed.
How do you charge for financial advice?
Our fees are based on the value of assets under our management and the type of solution selected. We explain all charges clearly before any work is carried out.
What is your minimum fee?
We do not set a minimum fee, but we do check that our service is a good fit for your needs. You will be asked to complete a brief questionnaire so we can assess compatibility.
What do you typically charge for a financial plan?
We focus on long-term client relationships and do not charge extra for a financial plan once you are a client. The plan forms part of the ongoing service you receive.
Do you charge fixed fees or a percentage of my investments?
We charge a percentage of assets under management. We will confirm the fee and how it is applied before you proceed.
Do you get commission?
In some cases, we are paid commission directly by the providers we do business with. We disclose any commission in advance and explain the options for paying for our services where available.
Do you charge VAT?
Fees are usually deducted at source from your pension or investment, and we explain the charging method in advance. If VAT applies, or if an invoice is needed, this will be made clear before any work starts.
How do I know if your fees are competitive?
We explain our fees in advance, including how they affect your investment, and any allocation rates. This helps you compare the total cost of advice, platform, and investments with other options.
How can I find your fees?
Fees depend on the right product solution for you and are fully disclosed before engagement. You will be able to see the charges and how they are calculated before you decide to proceed.
Can you help me retire early?
Yes, we can use financial planning software to model different retirement dates, including early retirement. Projections are based on assumptions and are not guaranteed.
Can you help me plan my retirement?
Yes, helping you plan for retirement is one of our key areas of expertise. We help you understand your pensions and other assets, and how they may support your plans over time.
What type of clients do you typically work with?
We typically work with business owners and senior professionals. We can also help other clients where our service is a good fit.
Do you work with younger clients who are still building wealth?
Yes, we work with people who are still building wealth. We will first confirm whether our service is a good fit for your needs.
Do you work with company directors or self-employed clients?
Yes, we work with company directors and self-employed individuals. We can help you take a joined-up view of business and personal finances.
Do you work with clients approaching retirement or already retired?
Yes, we work with clients who are approaching retirement and those already retired. We can review your position and help you plan your next steps based on your goals.
Can you help clients who have inherited money?
Yes, we can help you decide how to manage an inheritance in line with your goals and attitude to risk. Investments can go down as well as up.
Can you help clients who have sold, or are in the process of selling, a business?
Yes, we specialise in helping business owners who have sold, or are selling, a business. We help you plan what comes next, including how to manage proceeds and risk.
Can you help clients manage their finances after a bereavement?
Yes, we can help you organise and manage your finances after a bereavement, including proceeds from a life insurance policy where relevant. We aim to take things step-by-step and at your pace.
Do you specialise in working with business owners, retirees, or professionals?
Yes, these are client types we work with regularly. Our approach is designed to support complex finances and changing needs over time.
Do you offer financial advice for expats?
In certain circumstances, we can assist expats. What we can do will depend on where you live and the products involved.
Can you help if I already have existing investments or pensions elsewhere?
Yes, we can review pensions and investments held elsewhere as part of your overall planning. We will explain your options and any trade-offs before recommending changes.
Is there a minimum amount of investable assets or income I need to become a client?
We do not publish a single minimum, but we do have criteria to make sure our service is a good fit. You will be asked to complete a short questionnaire so we can confirm whether we can help.
What happens if something goes wrong or I have a complaint?
Complaints are handled in line with our Terms of Business and our complaints procedure. We will explain the process and the next steps clearly if you ever need to raise a concern.
How do you keep my personal data secure?
We keep your personal data secure and handle it in line with our privacy policy. We only use your information to provide our services and meet legal and regulatory obligations.
Are you insured to give financial advice?
Yes, we are insured to provide financial advice, and we are regulated by the Central Bank of Ireland. This helps ensure appropriate protections are in place.
How can I check your Central Bank registration and authorisation?
You can check our registration on the Central Bank of Ireland register. Our reference number is C438086.
Do you have client stories or case studies I can read?
Yes, we share client testimonials on our website. These provide examples of the type of support clients value.
Have you won any awards or accreditations?
Yes, we received the Training & Development award at the County Tipperary Chamber Business Awards 2025. The award recognised our focus on training and development.
Do I have to pay for an initial consultation?
No, the initial consultation is entirely at our expense.
What do I need to do before an initial consultation?
You’ll be sent two questionnaires to fill in online. Your input on these will ensure that our time together is as productive as possible.
How long should I allow for an initial consultation?
Typically, an initial consultation takes approximately one hour.
Do I have to sign up to your services at an initial consultation?
No, there’s no obligation to proceed at this stage, or at any point, if you don’t think we’re the right fit for you.
How can I book an initial meeting?
You can book a time that suits you via our calendar, or contact us to discuss your options.
Are you a tied agent?
No. We operate on a non-restricted basis, meaning we have access to the entire market. As a result, our recommendations are always in your best interests and in line with what suits your circumstances.
Are you regulated?
Yes, we’re regulated and authorised by the Central Bank of Ireland.
Can you advise on final salary / defined benefit transfers?
Yes, we can, and we’d be happy to help you with this.
Do you offer comprehensive financial planning to identify opportunities and risks in my current financial circumstances?
Yes, comprehensive financial planning is our specialty.
Can you help me to extract wealth from my company in a tax-efficient way?
Yes, we specialise in this area.
Who needs financial planning?
Put simply, everyone! Including you! Financial planning is for anyone who wants to improve their financial wellbeing and achieve their life goals.
How can financial planning help my business?
We can help you to minimise tax for both your business and you, personally, while also making sure your hard-earned cash works harder for you.
In Their Own Words
Our Clients Speak
What Clients Say
Not only did Diarmuid help me put together an easily understood investment / retirement plan, but equally importantly for me, he chased up all the loose ends to make sure the plans were executed in a timely manner - not my strong point!
I have known Diarmuid for many years and consider him to be extremely professional and completely trustworthy in all matters financial. He has always provided me with excellent service and advice and has helped me greatly to plan for my retirement. I look forward to working with Diarmuid and his team for many years to come!
Chartered Capital has helped me to plan for my future, and has given me the confidence to go ahead and enjoy the rest of my life. They are very professional, attentive, and patient. They have always been there for both me, and my business, when I needed them most!
Chartered Capital provide me with high quality financial advice. Diarmuid’s experience as a Chartered Accountant is a great addition to the financial planning service that he and his team provides. I would happily recommend Chartered Capital to everyone who needs financial planning help.
The professional services provided by Chartered Capital are second to none. I have been very impressed with the quality of service that they provide and the advice they give. I would highly recommend them to anyone looking for a financial adviser in Ireland.
I was originally referred to Diarmuid by a colleague. Over the years he has given me some great insights and advice in terms of my investment options, planning my imminent return to Ireland, and my future retirement strategy. With his professionalism, knowledge, and experience, I’d have no problem recommending him to a friend or family member.
