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CLIENT BENEFITS

Some of the many benefits of working with MyAdviser are listed below. Most of our new clients come to us after being referred by their friends, colleagues or family who are existing clients. The value we can add to our clients financial lives needs to be experienced and such a high level of referral is a testament to our actual delivery.

If you have any questions about the services offered or whether we can add value to your financial life then feel free to contact us - Click Here. A quick chat over the phone is usually the easiest way to work out if MyAdviser can add value to your finances.

Client Benefits
  Real Independent Advice 
  Fee Based Advice rather than Commission Based 
  Unique Advice Process adds Value 
  List of Discounted Products/Solutions 

 

Real Independent Advice
MyAdviser is an Authorised Advisor which means that we provide advice and information on all the Pension, Investment, Savings, Inheritance and Protection contracts available in Ireland. This includes general advice on direct shares, property portfolio's, maximising the efficiency of any loans or debt and dealing with ways to extract value out of your business in the most tax efficient way possible.

As part of the NFA (Need Focused Advice) we shop the whole market on your behalf. Authorised Advisors (AAs) are the only truly Independent Brokers, unlike Restricted or Multi-Agency Intermediaries who only show you a few providers or worst of all just one providers products (in the case of BOI, AIB & the other banks). Have a look at the table below to see a comparison of the different types of advisors.

Michael Kiernan carries out all the advice work for MyAdviser, and is a Qualified Financial Advisor (QFA) and is a member of the Life Insurance Association, with 22 years experience in Financial Services. Michael also holds an honours BSc, MA and is a member of PIBA (Professional Insurance Brokers Association)

Issue

MyAdviser
Authorised Advisor

Typical Authorised Advisors
Typical Multi-Agency Intermediary
Banks*
Independent Advice
Yes
Yes
No
No
Fee Based Advice
Yes
No
No
No
What products can they advise on?
All types of investment & insurance products
All types of investment & insurance products
Restricted List of products
Only their own products
Haggle free discounts on all products or solutions
Yes
No
No
No

* The two main banks operate in this manner some of the others operate as Authorised Advisors or Multi-Agency Intermediaries.

Fee Based Advice rather than Commission Based
MyAdviser charges fees, which you pay us after the service is provided for all advice work. We do not provide advice or consult with potential clients for free. The advantages for our clients are;

  • our focus is just on their needs rather than selling products.
  • we can afford to offer products/solutions at discount to normal terms - saving you money.

By being fee based for advice work it directly increases our independence. Advice work that is not fee based can end up looking more like selling rather than advising.

Unique Advice Process adds Value
MyAdviser has a unique method of providing independent advice that is very comprehensive, professional and easy to follow. We have clients all over Ireland and our NFA advice service can very successfully be provided over the phone, post and email.

Where face to face meetings are necessary they can be included for a small additional fee. This unique method of providing advice and financial consultancy keeps our clients costs to a minimum, while never compromising on the service provided. By avoiding the normal costs of face to face selling and the large amount of pushy sales calls per sale, we can keep our costs of generating business very low. Basically our clients find us rather than MyAdviser finding them. These savings are passed on to our clients by way of discounts on most product solutions.

List of Discounted Products/Solutions
These products are all available to our clients at discounts to normal market rates. This is because MyAdviser cut's the commission we take both on an initial and ongoing basis. These savings can and have run into the ten's of thousands of euro for our clients over the lifetime of the product.

Lump Sum Pensions
Regular Contribution Pensions
Self-Directed Pensions
Personal Pensions
Personal Pensions
Executive Pensions
Executive Pensions
Group Pensions
Group Pensions
PRSA's
PRSA's
Lump Sum Investments
Buy Out Bonds
Unit Linked Funds
Transfers
Tracker Bonds
AMRF & ARF
With Profit Bonds
Annuities
Guaranteed Funds & Deposits

 

  Michael Kiernan trading as MyAdviser is an Authorised Advisor regulated by the Central Bank of Ireland
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