Strategic Financial Planning & Wealth Management
Your wealth deserves
a proper plan —
not a product pitch.
We start with your life — not your money. Then we engineer a strategy to meet your goals, manage your wealth, and protect it all for the long term. That’s what Engineering Wealth. Enabling Financial Freedom. actually means.
350,000+
YouTube views
CFP™
Certified Financial Planner
20+
Years in Global Finance
CBI
Central Bank Regulated
About Kevin
I've sat on both sides of the table.
I’ve worked for some of the biggest banks and hedge funds in the world — Bridgewater, Bank of New York, Bank of America, CIBC, UniCredit. I’ve managed institutional capital, built risk models, and seen how the financial industry really works from the inside.
That background means I bring a level of investment and risk expertise that most advisors simply don’t have. But I also know that none of it matters if I don’t understand you — where you are in life, what you’re building towards, and what keeps you up at night.
I founded Kevin Elliott Wealth because I believe everyone deserves the kind of strategic thinking that institutional investors take for granted. I build comprehensive financial plans — the Wealth Master Plan™ — and then implement them through regulated advice on pensions, investments, and protection.
- UCD — BSc Econ & Finance
- Imperial College London — MBA
- Certified Financial Planner™
- QFA
- UCD - Financial Planning
"If you were my parents, this is the advice I'd give you."
— That’s the standard I hold myself to with every client.
Who We Work With
Big transitions demand a proper plan.
The best time to get your finances right is when something big is changing. Whether you’re building, transitioning, or protecting what you’ve earned — we help you make confident decisions.
Business Owners
You've built the business.
Now you want it to work for you.
You run your company with discipline — but your personal finances rarely get the same attention. We help you manage personal wealth with the same rigour you apply to your business.
What We Focus On:
- Extracting wealth tax-efficiently from the business
- Director pensions as a core financial planning tool
- Managing personal wealth with the same rigour as company capital
- Exit planning, business sale, and succession strategy
Senior Professionals
You're well paid.
But you don't have a plan.
Good income, a few old pensions, some investments you set up years ago — but no one has ever looked at the whole picture. You want someone to make sense of it all and tell you what to actually do.
What We Focus On:
- Navigating RSUs, stock options & vesting schedules
- Managing liquidity events and sale of company shares
- Reducing tax on equity compensation
- Consolidating pensions from multiple employers
Retirees & Pre-Retirees
Retirement is getting real.
You want to get it right.
Whether you’re five years out or already there, this is the biggest financial transition of your life. How much can you spend? Will it last? What do you draw first? You want clarity — not another brochure.
What We Focus On:
- Building a retirement income strategy that lasts
- ARF structuring and drawdown sequencing
- Stress-testing your plan against market downturns
- Legacy, estate planning, and tax-efficient transfer
Wealth Events
You've come into money.
Now you need a strategy.
A business sale, an inheritance, or savings that have built up to a point where the decisions feel high-stakes. How to invest it, protect it, and make it last — with a trusted partner, not a product pitch.
What We Focus On:
- Business sale or partial exit proceeds
- Inheritance or significant gift
- Managing concentration risk in a single asset
- Structuring investment, tax, and estate plans from scratch
How We Help
We build the strategy. Then we make it happen.
Most advisors do one or the other. We do both — because a plan that sits in a drawer doesn’t change your life.
Your Life First.
Then the Strategy.
We don’t start with your pension balance or your investment portfolio. We start with you — your family, your goals, what you want your life to look like in 5, 10, 20 years.
Only then do we look at your income, assets, and tax position — and engineer a strategy to make it all work. That means answering the questions that actually keep you up at night: Can I afford to retire at 58? How do I get money out of the business? What happens if markets crash right when I stop working? Will my family be OK?
Your Wealth Master Plan™ brings it all together — retirement, tax, pensions, business, estate — stress-tested against real scenarios so you can make decisions with confidence, not anxiety.
- YOUR LIFE
- YOUR GOALS
- YOUR STRATEGY
Implemented. Managed.
Protected.
Once the strategy is clear, we put it into action — the right pension structure, a properly built investment portfolio, protection in place for you and your family. Then we manage it all, quarter by quarter, as your life evolves.
Your capital is invested with discipline — evidence-led, risk-appropriate, and always connected to your plan. We don’t chase trends or sell products. We build portfolios that work over decades.
And we protect the plan. If something happens to you, the strategy doesn’t stop — income protection, life cover, and estate planning make sure your family and your wealth are looked after. We also structure everything to be as tax-efficient as possible, so your money isn’t eroded by avoidable tax.
- ENGINEERED
- MANAGED
- PROTECTED
How We Invest
Institutional thinking. Personal attention.
Your capital from pension, retirement and taxable assets are invested with the same principles; cenetred on your risk tolerance, your risk capacity, and your time horizon.
Your investment strategy isn’t a standalone decision — it’s part of your Wealth Master Plan™. We design portfolios that work in the context of your total financial picture: your pension drawdown timeline, your tax position, your income needs, and your legacy goals.
We use a tiered approach — matching liquidity needs, growth targets, and risk tolerance across different time horizons. Cash you need in 2 years isn’t invested the same way as pension assets you won’t touch for 15.
Sequence risk — the danger of a market downturn at exactly the wrong time — is one of the biggest threats to retirement income. We build strategies specifically designed to manage this, so a bad year in markets doesn’t derail your plan.
We provide advice on a fair and personal analysis basis, selecting from our panel of solution providers to find the right fit for each client — not pushing a single in-house product.
Evidence Over Noise
Decades of data and research inform our approach. We favour diversified, repeatable strategies over prediction and speculation.
Risk Management First
Understanding risk isn’t just a questionnaire — it’s about capacity, tolerance, and timeline. We stress-test portfolios against real scenarios, not theoretical models.
Tax-Aware Implementation
Every investment decision is made with Irish tax rules in mind — pension wrappers, ARF structures, exit tax, and CGT. A good return means nothing if you lose it to inefficient structuring.
Costs Matter
Every euro saved in fees and tax drag is a euro left to compound. We prioritise low-cost, institutional-quality building blocks and disclose all fees clearly.
Discipline Over Emotion
The right portfolio isn’t the one that promises the most — it’s the one you can stick with. Our role is to help you stay invested long enough for it to work.
Discipline Over Emotion
The right portfolio isn’t the one that promises the most — it’s the one you can stick with. Our role is to help you stay invested long enough for it to work.
Our Panel of Solution Providers
- Davy
- Zurich
- Irish Life
- Aviva
- Quilter Cheviot
- Royal London
- New Ireland
- ITC
- Conexim
The Wealth Master Plan™
Engineering Wealth. Enabling Financial Freedom.
That’s not just a tagline. It’s how we work. We start with your life — not your money. Then we engineer a strategy to meet your goals. Then we protect it all so the plan keeps working, no matter what.
Your Life First
You, your family, your needs, your wants, your aspirations. We start here — because your finances should serve your life, not the other way around. Before we look at a single number, we understand what you’re building towards.
Engineer
We take your income, assets, pensions, and tax position and engineer them to meet your life goals — efficiently, strategically, and in a way that actually makes sense. This is your Wealth Master Plan™.
Protect
We put structures in place so the plan doesn’t stop if something happens to you. Income protection, life cover, estate planning — and tax-efficient structuring so your wealth isn’t eroded by avoidable tax.
Our Process
A clear process. No surprises.
From first conversation to ongoing partnership — here’s what working with us actually looks like.
Discovery Call
We start with a no-commitment conversation. We want to understand your situation, your goals, and what’s going on in your life. If we can help, we’ll explain how. If the timing isn’t right, we’ll tell you that too.
This is where we figure out if we can actually add value. Sometimes our honest advice is ‘put your money on deposit and take six months to think.’ That’s fine with us.
Data Gathering & Goals
We do a detailed fact-find — your assets, liabilities, income, family situation, risk profile, and what you want your life to look like. This is the foundation everything else is built on.
We’ll send you a questionnaire and arrange a focused meeting to go through it. The more honest and detailed you are here, the better your plan will be.
Analysis & Modelling
We build detailed cashflow projections and scenario models — stress-testing your financial future under different assumptions. What if markets drop? What if you retire early? What if you sell the business for less than expected?
This is where the value really starts to show. Most people have never seen their entire financial life modelled in one place. It changes how you think about decisions.
Your Wealth Master Plan™
We present a comprehensive strategy document covering your objectives, our recommendations, and a clear action plan. We walk through it together, question by question, until you’re fully confident.
This isn’t a generic document full of jargon. It’s a strategic blueprint covering investments, pensions, tax, protection, and legacy — with a timebound implementation plan.
Implementation & Quarterly Reviews
Once you’re clear and confident, we implement — pensions, investments, protection, all through our regulated panel of providers. Then we meet quarterly to track progress, adjust for life changes, and keep you on course.
We don’t disappear after the plan is delivered. Your Wealth Master Plan™ is a living document. We review, refine, and evolve it as your life changes.
See How We Think
Clear thinking on the topics that matter most — pensions, retirement, and building long-term wealth. No jargon. Just practical insight.
Could Your Tech Company Stock be a Barrier to Financial Freedom?
How Far Behind Is Your Pension (By Age)??
Cut Years Off Your Mortgage with This FREE Tool (Save €40,000+ Interest)
50% Tax Relief on Income in Ireland – Is EIIS Right for You?
This Kills WEALTH
Irish Investors: How to Survive (and Thrive) in a Market Crash
Read How We Think
Frequently Asked Questions
Questions we get asked a lot.
If your question isn’t here, just ask — we’re always happy to chat.
What's the Wealth Master Plan™ and how is it different from normal financial advice?
The Wealth Master Plan™ is a comprehensive financial blueprint — not a product recommendation. It’s a strategic document built on detailed financial modelling that covers every aspect of your financial life: income, investments, pensions, tax, protection, and legacy. It starts with your life and works backwards to the strategy. Unlike traditional advice, we don’t start by selling you a product. We start by understanding where you want to go, then build a plan to get you there. Products come later — if and when they’re needed.
Do you actually manage investments and pensions, or just give advice?
Both. We’re regulated by the Central Bank of Ireland as an Investment Intermediary and Insurance Intermediary. We build the strategy first through the Wealth Master Plan™, then implement it by managing your pensions and investments through our panel of solution providers. Kevin’s background at firms like Bank of America and Bridgewater means the investment management side isn’t an afterthought — it’s a core strength.
How much does it cost?
The Wealth Master Plan™ is a fixed fee engagement. You’ll know the cost upfront before you commit to anything. If we also manage your pensions and investments, a portion of the planning fee is rebated. We’ll always explain the full fee structure clearly before we start — there are no surprises. We’d rather you understand exactly what you’re paying for and why, than find out later something wasn’t disclosed.
What does the process look like and how long does it take?
It starts with a discovery call — no commitment, just a conversation. If we decide to work together, we move into fact-finding and goal setting (months 0–2), then we build your financial model and draft recommendations (month 3). You’ll receive a full walkthrough of your Wealth Master Plan™, followed by quarterly review meetings for the rest of the year. It’s a 12-month engagement designed to give your financial life proper structure and momentum.
I already have a pension and investments with another advisor. Can you still help?
Absolutely. Many of our clients come to us with existing arrangements. The Wealth Master Plan™ reviews everything you already have in place and assesses whether it’s working for you. Sometimes the existing products are fine — they just need to be part of a coordinated strategy. Other times, changes are needed. Either way, we’ll give you an honest assessment and you’ll always make the final decision.
I'm not sure I need a full financial plan. Can I just get advice on one thing?
We understand the temptation, but here’s the thing — financial decisions don’t exist in isolation. Your pension decision affects your tax. Your investment strategy affects your retirement timeline. Your business structure affects your legacy. That’s why we take a holistic approach. It doesn’t mean we need to tackle everything at once, but we need to see the full picture to give you advice we can stand behind.
What happens after the first year?
The Wealth Master Plan™ is a living document. After year one, most clients continue with an ongoing relationship — quarterly reviews, plan updates as life changes, and continued management of investments and pensions. Your life evolves, and your plan should evolve with it. There’s no lock-in — you stay because you’re getting value, not because of a contract.
How are you different from other financial advisors?
Most advisors lead with a product. We lead with a plan. Kevin has worked inside some of the biggest financial institutions in the world, managing institutional capital and building risk models — so the investment management and risk side isn’t bolted on, it’s foundational. We limit the number of clients we work with so we can give proper time, depth, and coordination to each one. This is a strategic partnership, not a transactional relationship.
Get Started
Let's have a conversation.
A discovery call is the first step. It’s a chance for us both to see if there’s a fit — no obligation, no pressure.
Or email us directly at kevin@kevinelliottwealth.ie