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, and property — 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.
Book a confidential conversation →