Specialised Financial Planning
At Fenero Financial Advisors, we help contractors, self-employed professionals, freelancers and business owners plan with more confidence around financial planning, protection, retirement and mortgages.
Talk to our friendly experts today.
Who we are
Fenero Financial Advisors (a proud subsidiary of the multi-award-winning, Fenero Tax & Accounting) is Ireland’s specialist financial partner for contractors, freelancers, self-employed professionals and entrepreneurs.
When it comes to uneven income, shifting contracts, and the pressure of planning while busy delivering, we get it and we get you. That’s why our guidance is simple and smart, built around long-term financial stability, comprehensive protection, and flexible retirement strategies that keep your money working as hard as you do.
Whether you’re just starting out as self-employed or a seasoned veteran, if you want clarity, confidence, and specialist planning that's as flexible as you, you’re in the right place.
Who we help
You earn well and want to make the most of it. Between contract cycles, tax planning, lender rules, and long-term security, there is more to managing your finances than just a good day rate.
We help put structure around your income so it works for you now and in the future.
We help with
- Tax-aware financial planning
- Cashflow and reserve planning
- Mortgage and borrowing preparation
- Income and family protection
- Pension consolidation and retirement planning
You run your own show and carry the responsibility that comes with it. When your business, income and personal life are closely linked, every financial decision matters.
We help you create clarity and structure so today’s demands don’t undermine tomorrow’s security.
We help with
- Clear financial planning and budgeting
- Life and family protection
- Retirement and pension planning
- Long-term wealth building
- Planning your exit
You value flexibility and independence. When income can vary and admin never really stops, building long-term financial stability calls for simple, adaptable planning.
We help turn variable earnings into steady progress.
We help with
- Flexible pension and savings strategies
- Income and illness protection
- Cashflow and reserve planning
- Mortgage and borrowing preparation
- Straightforward financial planning
You’re building something bigger than income. Your business, family wealth and long-term exit plans are closely connected.
We help put structure around both your personal and business finances, so growth today supports security and options tomorrow.
We help with
- Business and shareholder protection
- Profit extraction and pension strategy
- Succession and exit planning
- Personal and corporate tax-aware planning
- Estate and inheritance planning
You earn well and want to make the most of it. Between contract cycles, tax planning, lender rules, and long-term security, there is more to managing your finances than just a good day rate.
We help put structure around your income so it works for you now and in the future.
We help with
- Tax-aware financial planning
- Cashflow and reserve planning
- Mortgage and borrowing preparation
- Income and family protection
- Pension consolidation and retirement planning
You run your own show and carry the responsibility that comes with it. When your business, income and personal life are closely linked, every financial decision matters.
We help you create clarity and structure so today’s demands don’t undermine tomorrow’s security.
We help with
- Clear financial planning and budgeting
- Life and family protection
- Retirement and pension planning
- Long-term wealth building
- Planning your exit
You value flexibility and independence. When income can vary and admin never really stops, building long-term financial stability calls for simple, adaptable planning.
We help turn variable earnings into steady progress.
We help with
- Flexible pension and savings strategies
- Income and illness protection
- Cashflow and reserve planning
- Mortgage and borrowing preparation
- Straightforward financial planning
You’re building something bigger than income. Your business, family wealth and long-term exit plans are closely connected.
We help put structure around both your personal and business finances, so growth today supports security and options tomorrow.
We help with
- Business and shareholder protection
- Profit extraction and pension strategy
- Succession and exit planning
- Personal and corporate tax-aware planning
- Estate and inheritance planning
How we help
Financial Planning
Financial planning helps you turn today’s income into a clearer long-term plan. When you work for yourself, putting structure around income, savings and future goals can make decision-making easier.
Why it matters
- Income can change from one period to the next
- You may need to fund your own safety net
- Lenders often want evidence of consistency
- Long-term goals need planning, not just a good income
How we help
- Cashflow and reserve planning
- Tax-aware financial planning
- Mortgage and borrowing preparation
- Long-term financial planning built around your goals
- Your sustainability preferences are also taken into account, where relevant.
Protection
Protection helps put a personal safety net around you, your family and finances. When you work for yourself, cover can play an important role in maintaining financial stability if life changes unexpectedly.
Why it matters
- Your earnings could stop if you can’t work
- Household bills and commitments do not pause
- Serious illness can bring added costs
- Business risks can become financial risks
How we help
- Income Protection: Designed to provide income if you are unable to work due to illness or injury
- Life Insurance: Providing a lump sum to support your family if you pass away
- Serious Illness Cover: A tax-free lump sum paid on diagnosis of a covered illness
- Mortgage Protection: Ensuring your mortgage is cleared in the event of your death
- Business Protection: Safeguarding your company against the loss of key people.
Retirement
Retirement planning helps you use today’s earnings to build future financial security. It can help you save in a structured, tax-efficient way and make better use of the options available to you.
Why it matters
- The State Pension may not be enough on its own
- Pension contributions can be tax-efficient
- Irregular income often needs flexible planning
- Retirement decisions are easier when planned early
How we help
- Smart Pensions: Converting business surplus into tax-efficient retirement funding
- Choosing the right pension structure
- Pension consolidation
- Planning how retirement benefits may be taken
Warning: The value of your investment may go down as well as up. Past performance is not a reliable guide to the future performance.
Certain exclusions and limitations apply. Cover is subject to underwriting.
Note: Tax relief is subject to limits and may change in the future.
Tax & Accounting
Working for yourself is easier with the right structure for tax, payroll, and Revenue admin. Our parent company, Fenero Tax & Accounting, has supported contractors and self-employed professionals for over 17 years.
Why it matters
- Tax deadlines still apply
- Payroll and Revenue admin need to stay accurate
- Good records help reduce stress
- Clear support saves time
How we help
- Tax and payroll support
- Revenue admin and compliance support
- Expense guidance and record-keeping support
- Dedicated account manager
- 24/7 online platform access
Warning: The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.
Financially prepared for your future?
When income and opportunities can change quickly, a clear financial plan can help you make more confident decisions and build long-term security.
Financial planning: turn strong earnings into a clear long-term strategy- Protection: put appropriate cover in place as life and work evolve
- Pensions: build retirement savings in a tax-efficient way
- Investment and wealth planning: structure long-term assets around your goals
Let’s put a plan in place that supports your ambitions and adapts as your career develops.
