financial planning in ireland by ross curran

Curran Financial Advice

Curran Financial Services are a multi-agency, fee based, financial planning and advisory firm with offices in Dublin city centre and Galway.

The founder, Ross Curran, worked for over 10 years in the Personal Finance and Wealth Management industry before starting Curran Financial Services, and has taken all the experience gained along with some new ideas to this business.

Ross explains his reasons for developing his own business as
follows:

“For too many years the term ‘Financial Advice’ has been used simply to disguise what is a Product Selling Industry. Often, so called advisors, whether based in a local bank branch and looking to up-sell deposit and mortgage customers, or in more high-net worth brokerages focusing on wealth management , rely on selling product to make a salary and this in my mind leads to a conflict of interest.

For truly client-centred planning it is necessary to establish a clear relationship from the beginning, and this can only be done with a transparent declaration of fees. If a client is paying for my services, I no longer need to sell, and this means the advice moves beyond pushing product.

For many years the likes of the accountancy and legal professions have traded on a clear ethical understanding of their role and my goal is to provide the same for my Financial Planning clients.”

Curran Financial Services are first and foremost a Financial Planning Firm, with a clear philosophy on how to best treat their clients. To ensure consistency of service and appropriateness of the relationship, a number of issues must be raised with all potential clients. These are best summarised as a number of key points:

Why do you need Financial Planning?
What are your Goals?
What is your Attitude to Risk?
How much work are you willing to put in?

All clients of Curran Financial Services are asked these questions as part of an initial consultation and only those who are able to answer, or at least interested in finding out, are seen as long term Financial Planning Partners to the firm.

We do of course appreciate that some people have very straightforward requirements, be they single pieces of advice around a particular topic, or the need for a financial product. While we would not expect them to undergo the full interaction of a Planning Client, any initial consultation will still cover ‘fees Vs commission’ and ‘Reasons Why’.

Curran Financial Services is a member of the Professional Insurance Brokers Association (PIBA) and the Life Insurance Association of Ireland (LIA).

Curran Financial Services holds direct agencies with…

New Ireland Assurance
Aviva Life
Zurich Life
Caledonian
Axa Life
Friends First
Independent Trustee Company
Merrion Stockbrokers
Bloxhams
Goldcore Wealth Management
Finance One

Curran Financial Services is bonded with Professional Indemnity Insurance by Lockton Insurances. We are a member of the Investor Compensation Scheme and a funding contributor of the Financial Services Ombudsman