Your business built
your wealth.
We help you keep it.
Peak Financial is an independent wealth management firm dedicated exclusively to Irish business owners. Whether you are planning to sell your business in the coming years or looking to protect the wealth tied up inside it, we provide the clarity, strategy, and expertise to secure your financial future.
Most of your wealth is your business. That's a risk most advisers overlook.
For most business owners, the company they have built represents 80%, 90%, even 100% of their personal net worth. It is your greatest asset — and your greatest single point of vulnerability.
Standard financial planning is designed for people who already have liquid, diversified wealth. It does not account for your position: where your income, your capital, and your future are all tied to the same engine.
At Peak Financial, that is exactly the position we specialise in.
We work with two types of business owner.
Our clients are successful, ambitious individuals who have built something of real value. What brings them to us is the recognition that building wealth and protecting it are two very different skills.
Business owners planning to sell
You are considering selling your business in the next two to ten years. The proceeds will likely represent the most significant sum of money you have ever received. The decisions made before, during, and after a sale will determine the financial outcome of your life's work.
We work with you in the years before a sale to build a personal financial plan, structure your affairs tax-efficiently, and ensure that when the moment arrives, you are ready to make it count.
Business owners looking to de-risk
You have no intention of selling — not yet, perhaps not ever. But your personal financial security rests entirely on the performance of one business. A downturn, a health event, a change in the market: any of these could have consequences that go well beyond the boardroom.
We help you systematically build personal wealth outside your business, so that your financial wellbeing is never entirely dependent on any single outcome.
"The gap between a good exit and a bad one is not luck. It is preparation." Peak Financial
Everything your business wealth needs. In one place.
Financial Planning
A personal financial plan built around your business, your timeline, and your life.
Pensions
The most tax-efficient asset most business owners are not using to its full potential.
Investments
Building personal wealth outside your business so your future has more than one foundation.
Protection
Your business depends on you. Your family depends on you. We help ensure it stays that way.
Independent. Specialist. Unconflicted.
As a business owner, you have built your success by surrounding yourself with the right people. When it comes to your personal finances, the same principle applies.
Peak Financial is not a generalist firm that occasionally advises business owners. It is the entirety of what we do. That focus shapes every conversation, every recommendation, and every plan we build.
We understand the business owner's world
We know what it feels like to have everything tied up in something you have built, and the pressure that comes with it.
Independent and unconflicted
No parent company. No products to sell. Our only obligation is to you.
Long-term relationships
We build lasting advisory relationships, not one-off transactions. When your circumstances change, we are already at the table.
Let's start with a conversation.
Our initial conversation is confidential, straightforward, and carries no obligation. We will listen to where you are, share our thinking, and let you decide.
We started Peak Financial because we had seen what happened when business owners had no one in their corner.
Why we do this work.
In financial services, it is easy to talk in abstractions. Returns. Portfolios. Strategies. But behind every plan we build is a person who has spent years — sometimes decades — building something of real value. Who has taken risks that most people would not. Who has made sacrifices that rarely appear on any balance sheet.
The motivation for founding Peak Financial is personal. We have seen, in our own lives, what happens when business owners reach a critical moment — a death, a sale, a health event — without a plan in place.
"It is not the fault of the individual. They simply lacked the guidance of a trusted adviser."
We have also seen the other side. Business exits that were well-planned, well-structured, and delivered everything the owner had worked for. Financial independence. Security for the next generation. The freedom to step back on their own terms.
That outcome is not luck. It is the product of good planning, started early enough, with the right people involved.
"We want to remove the anxiety that so many business owners feel about their personal finances and replace it with a genuine confidence that everything will be okay."
At Peak Financial, we work with business owners at every stage — from the early years of building, through the period of growing personal wealth outside the business, to the point of exit and everything that follows.
We partner closely with our clients' accountants, solicitors, and corporate finance advisers, ensuring that the personal financial plan is always aligned with the broader corporate and tax picture.
Independent. Specialist. Unconflicted.
We work exclusively with business owners
It is the entirety of what we do. That focus means we understand the specific challenges, opportunities, and risks that come with having most of your wealth tied up in a private company.
We are independent
Not tied to any bank, insurer, or product provider. No parent company to answer to. Our advice is based entirely on what is right for our clients — that independence shapes every recommendation we make.
We take a long-term view
We are not in the business of transactions. We build long-term advisory relationships with our clients, providing continuity through every phase of their business and personal life.
A process built around your situation.
Every client relationship begins with a Discovery Meeting — an open, informal conversation where we learn about your business, your personal circumstances, and what you want your wealth to achieve.
There is no cost and no obligation to that initial conversation. We want to earn the right to work with you — not assume it.
Discovery Meeting
An informal chat where we learn about you, your business, and your goals. No cost, no obligation.
Financial Planning Meeting
We present a draft financial plan and recommendations tailored to your specific situation.
Implementation
We put the plan into action — pensions, investments, protection — and handle the complexity for you.
Ongoing Review
At least annual reviews to keep you on track as your business and life evolve.
The highest professional standards.
Peak Financial Ltd is regulated by the Central Bank of Ireland. Our advisers hold qualifications including the Chartered Financial Analyst (CFA) designation, Certified Financial Planner (CFP), Qualified Financial Adviser (QFA), and Chartered Tax Adviser (CTA).
Everything your business wealth needs. In one place.
Our services are built around one reality: for most business owners, the business is the wealth. Our four core service areas work together to give you a complete picture — and a clear path forward.
A financial plan built around your business — and your life after it.
For most business owners, personal financial planning gets pushed down the list. But the decisions you make — or delay — about your personal finances will ultimately determine what your years of work are worth to you personally.
Standard financial planning assumes you have a salary, a pension, and some savings. Business owners rarely fit that profile. Your income may fluctuate. A significant portion of your wealth may be locked inside your company. Your retirement may depend, in whole or in part, on a future sale.
These complexities require a fundamentally different approach — one that understands corporate structures, tax-efficient extraction, pre-sale planning, and what it takes to transition from business owner to financially independent individual.
If you are considering selling
The time to start planning is now — not when the sale is agreed. We work with you well in advance to develop a personal financial plan, understand tax-efficient sale structures, and plan for life after the transaction.
If you plan to stay in your business
We help you quantify the risk of total financial dependence on one business and build a structured plan to accumulate personal wealth outside it — giving you choices, including the option to step back if you choose.
Our Process
Discovery Meeting
An informal conversation — in person, phone, or video. No cost, no obligation.
Financial Planning Meeting
We present a draft plan and recommendations. Still no cost or obligation.
Implementation
We put the plan into action and handle the complexity.
Ongoing Review
Annual reviews — more frequently if life changes. Your plan evolves as you do.
The most powerful wealth-building tool most business owners are not using properly.
A pension is one of the most tax-efficient ways to extract wealth from your company and accumulate it in a protected, personally-owned structure. Used correctly, it is not just a retirement vehicle — it is a cornerstone of your wealth strategy.
If you are a director or owner of a limited company, the rules around pension funding are considerably more generous than those available to employees. Your company can make employer contributions to your pension that are not subject to usual personal limits — and those contributions are a tax-deductible business expense.
"I have been so focused on building the business, I have barely touched my pension."
This is one of the most common things we hear from business owners in their forties and fifties. We help you build a parallel track — personal wealth accumulating independently of your business, in a tax-efficient structure, ready for you regardless of what happens to the company.
Pension structures we advise on
Executive Pension Plan
Typically the most appropriate structure for company directors. Your company makes contributions directly — treated as a tax-deductible business expense. Funding limits can be substantial with the right structuring.
PRSA (Personal Retirement Savings Account)
A flexible structure that can also receive employer contributions. Recent legislative changes have made employer PRSA contributions more attractive for business owners.
Approved Retirement Fund (ARF)
Post-retirement, an ARF keeps your pension fund invested and allows flexible drawdown — a highly effective income structure for business owners post-sale.
Pre-Sale Pension Planning
In the years before a sale, there may be a significant opportunity to increase pension contributions — reducing assets subject to CGT while simultaneously building your retirement fund. The window is finite and time-sensitive.
Building wealth outside your business — so your future has more than one foundation.
Your business is an investment. In many cases, a very good one. But it is a single, illiquid, undiversified investment — and your personal financial security depends entirely on its continued success.
We help business owners build a portfolio of personal wealth that sits alongside their business. Wealth that is diversified, accessible, and independent of any single outcome.
We follow an evidence-based approach to investing — grounded in academic research and market data, not speculation. We do not believe in trying to beat the market. We believe in capturing market returns efficiently, keeping costs low, and staying disciplined through periods of volatility.
Our investment principles
Separating short and long-term capital
We ensure you have clarity on your liquidity requirements before investing anything. This distinction is fundamental to a portfolio you can hold with confidence.
Understanding your risk position
For business owners, investment risk is more nuanced. If your business represents significant concentration, adding more risk personally may not be appropriate — even if your theoretical tolerance is high.
Asset allocation and diversification
Portfolios built across equities, bonds, property, and alternatives — spread across geographies, sectors, and currencies.
Managing costs and taxes
What matters is the return you keep after charges and taxes. We use transparent, tax-efficient structures aligned with Irish tax rules.
Just sold your business?
The period following a sale is one of the most consequential financial moments you will experience. We work with you before, during, and after to ensure proceeds are invested in a structured, tax-efficient way aligned with your long-term goals.
You have spent years building something of value. Protection ensures it stays that way.
As a business owner, your exposure to risk is greater than most people appreciate. Your income, your business, and your personal financial security can all be affected by a single health event or unexpected death.
Unlike an employee, there is no employer-funded sick pay, no death-in-service benefit, and no income continuance scheme to fall back on. If something happens to you, the consequences for your family — and your business — can be severe.
At Peak Financial, protection is never an afterthought. It is a foundational element of every financial plan we build.
Personal Protection
Income Protection
Pays a regular income if you cannot work due to illness or injury — typically up to 75% of your earnings — until you return to work or reach retirement age.
Specified Illness Cover
A tax-free lump sum on diagnosis of a serious illness. For a business owner, this provides financial breathing room to focus on recovery without financial pressure.
Life Insurance
A lump sum for your family in the event of your death. We advise on the most tax-efficient structure, including holding policies in trust.
Business Protection
Keyperson Insurance
Pays the business in the event of the death or serious illness of a key individual. Premiums are often deductible as a business expense where the purpose is to protect revenue.
Shareholder & Co-Director Protection
Ensures surviving owners can purchase a co-owner's share at an agreed price, funded by insurance. Protects both the business and the families involved.
Not sure where to start?
Most business owners come to us knowing that something needs to change — but not yet knowing exactly what. Our initial conversation is the right place to start.
The people behind your plan.
Our team combines deep technical expertise with genuine experience of the business owner's world. We are qualified, independent, and committed to the long-term relationships that make good financial planning possible.
Hugh began his career in 2002 in trading and investment management before moving into financial planning. That grounding in investment markets gives him a perspective most financial planners do not have — an understanding of how money actually behaves over time.
He became a CFA Charterholder in 2006 — one of the most rigorous designations in global finance — and a Qualified Financial Adviser in 2009. He is also the author of Straight Talk on Financial Planning, which reflects his approach: clear, honest, and free of jargon.
Brendan has over two decades of experience in financial services. He holds one of the most comprehensive sets of professional qualifications of any financial adviser in Ireland — combining the CFA designation with the CFP and Chartered Tax Adviser designations.
That combination is rare and genuinely valuable for business owner clients. The intersection of investment management, financial planning, and tax expertise means Brendan sees the full picture — how every element of a client's financial life connects and interacts.
Ready to speak with us?
Our initial conversation is confidential and carries no obligation. We would like to understand your situation and share how we might be able to help.
Let's start with a conversation.
Whether you are thinking about a future sale, looking to reduce your dependence on your business, or simply not sure where to start — we would like to hear about your situation.
Book a confidential conversation.
Select a time that suits you. Meetings can be held in person at our Dublin office, by phone, or by video call.
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Our details
Dublin 2, D02 Y982
Ireland
9:00am – 5:30pm
Peak Financial Ltd is regulated by the Central Bank of Ireland. Registered office: 36 Mount Street Upper, Dublin 2, D02 Y982, Ireland.