Face to face meetings are held in our office in John St, Sligo F91 PP3X

There are multiple car parks within a 3-minute walk of our offices, including Adelaide Street car park (F91 R8EF) and Wine Street car park (F91 F89P).

No, we do not charge for either the Learn More Call or the first full meeting, which we call the Discovery meeting. You can see the full process we take you through, from the initial Learn More Call to becoming a client here

Nothing, the Discovery meeting is a chance for us to get to know you better, to get an understanding of what matters most to you and the issue you want to solve. You will also learn more about our service so that you can decide if you would like to work with us.

We get to know you better, get a better understanding of what’s important to you and what you want to achieve. You’ll learn about our service and the process involved and be able to decide if you want to work with us.

Usually, 45 minutes to an hour but we’re not on the clock and are happy to devote as much time as you need to the Discovery meeting.

You do not. There is no pressure from us and you can take as much time as you like to decide.

Click on the Book A Learn More Call button on our website or call us on 071 9155560.

Yes, we are regulated by the Central Bank of Ireland and we only offer clients regulated products that best serve the needs of your Plan. We do not offer unregulated products which can involve substantially more risk.

TIMC Ltd t/a iQ Financial is regulated by The Central Bank of Ireland to give advice in 3 areas.

iQ Financial is authorised as an Investment Business Firm under Section 10 of the Investment Intermediaries Act, 1995 (as amended).

Registered as an insurance, reinsurance or ancillary insurance intermediary under the European Union (Insurance Distribution) Regulations, 2018.

A Service Provider holding appointments from IIA product producers, including intermediaries that may issue appointments, appearing in the register maintained under Section 31 of the Investment Intermediaries Act, 1995 (as amended).

Yes. We are paid commission from third party financial institutions including insurance companies, investment and pension providers.

Our ideal client is a business owner or a couple where one person is a business owner.

We’re based in Sligo and we deal with clients all over Ireland. A large portion of our clients live in Connacht and Leinster.

Following your initial call, we’ll request information from you and book three meetings to dive deeper into your particular situation and goals. We will present your financial plan and share recommendations with you. This usually takes five to six weeks, depending on how quickly you send information back to us.

We do. We are regulated and we offer advice based on the needs of our clients. We’ll work with you (and your life partner) to create a written Personal Financial Plan that clearly sets out your priorities, targets and the best way to achieve them. We charge a fee for this Plan. Once it’s completed, we then advise on which financial products can best help implement it. We’re not tied to any insurance company or investment firm — all recommendations are driven solely by your Personal Financial Plan and what’s best for you. We are not tied to any one insurance company or investment firm and recommend products based on what’s best for our clients

You can. We offer face to face at our office in Sligo or video calls/virtual meetings using zoom.

We celebrated our 20^th year in business in 2025. Our owners Coman and Enda Brady have a combined 65 years’ experience in financial services.

Enda Brady is a Certified Financial Planner™, and his expertise has been instrumental in shaping the services we offer clients.

Yes, you can see Google reviews here and Trustpilot reviews here and we also have client video testimonials on our website here

We specialise in business owners, the self-employed and those at retirement, working with a smaller number of families to provide a higher level of personal service. We focus on you, not your money — helping you make work optional and live the life you want. Our advice goes beyond products, covering tax, pensions, estate and exit planning. We start with a clear, long-term financial plan built around what matters most to you. Only then do we recommend solutions. We are CFP® qualified, fully transparent, use leading financial planning technology, and are committed to long-term relationships, not one-off transactions.

C39946

Sligo, Roscommon, Galway, Dublin, Donegal, Mayo, Leitrim, Westmeath, Meath, Louth, Cavan, Monaghan, Offaly, Longford, Clare, Kildare

We operate as a team and share knowledge on all clients with each other. We have 2 financial planners who try to ensure that they are not away at the same time so that there is always someone here who will be able to help you, no matter what your query is.

We hold annual Future Planning Meetings which are the cornerstone of our long-term relationship with clients. We put no limit on the number of meetings we hold when a client has something they need sorted. Our clients get in touch by phone and email whenever they have a query. We’re in regular contact. We will also be in touch on numerous occasions during the year – 2 investment updates, 4 webinars designed to add value for our clients, monthly newsletters with bespoke articles that should be of interest and ad hoc communications with relevant information as it arises.

We do. We use best in class financial planning software to show you what your financial life looks like today and project what it will look in the years and decades ahead.

Your circumstances will definitely change and we’re here to ensure that we help you adjust your plans as the changes occur. Our Future Planning meetings are a vital part of the process ensuring we understand the changes in a timely manner and tweak your plan if necessary.

Planning efficiently is a team sport and we are delighted to work in tandem with your accountant, solicitor and tax adviser.

With your permission, we’re happy to co-ordinate with any adviser you have to free up your time and ensure the information we have is up to date.

Our 2 advisers own the firm, have been in business for 20 years and have no intention of retiring any time soon. However, in the event of one adviser leaving, we will ensure that your new adviser knows all about you, has met you and will have a long period of working in tandem with your existing adviser to ensure a smooth transition. We will also ensure that your new adviser is capable of maintaining and improving the service and advice you get.

Yes, we’re happy to show you an example at our first meeting to help you understand the benefits you will get from having a solid, well thought out financial plan.

Yes, you will have secure online access to real time information on your investments from the comfort of your own home.

Online portals are provided by third party investment managers so that you have real time access to your investments.

At least once a year and there is no limit to the number of meetings we will have with you as things arise.

No

No

Yes, advising clients on their personal pensions is something we do every day.

Yes

Yes, simplifying your financial structure can have many benefits and consolidating your pensions can help you to keep things simple and make it easier to track your finances.

Yes, advising clients on the optimal way to draw down your pension is something we do every day.

We discuss ethical and sustainable investments with all clients. At present, we do not consider sustainability when choosing investment funds and this is something we review every year.

We can, helping clients invest inheritances and other windfalls is an area where we have a lot of experience.

Yes, we can

Yes, we can

We do as part of our long-term financial planning with clients.

We can and this is an area where we like to work in tandem with your other advisers including your accountant/tax adviser and your solicitor.

Yes, we can advise and arrange insurance products for clients and for their business.

We do.

We charge an annual fee of 1% of the assets we manage on your behalf with a minimum fee of €5,000.

€5,000 per annum

€3,000

Fixed fee for your Financial Plan of €3,000 and 1% pa of the assets we manage on your behalf.

We do not charge VAT

We’re happy to discuss this with you and provide comparable information so you can see how competitive we are.

Higher than some, lower than others, but we believe our value is beyond comparison.

On our website here and by scrolling to the end of the page and clicking on ‘Charges’

We can, this is one of the top priorities we help clients achieve.

Yes, we can, retirement planning is on of our core services.

Business owners and professionals.

Yes

Yes, we work with company directors, self-employed clients, business owners, company directors and professionals.

Yes., we work with both.

Yes. Our help extends to helping you figure out what the money is for, how best to use it and how to invest it wisely.

Yes, we have been involved on many business sales, helping clients to ensure that the sale generates enough money for them personally to allow them to do what’s important to them post sale.

Yes, we have helped clients manage their finances after all types of major life events. We understand the issues that will arise and can help you navigate them with as little stress as possible.

We work with all these people and mainly with business owners and professionals.

Yes, we can.

No minimum investable assets or income. Our annual minimum fee is €5,000.

Yes

If you have a complaint, you can write to or email Coman Brady, Complaints Officer, iQ Financial, 50 John St., Sligo, F91 PP3X. If you’re not satisfied with our response, you can contact the Financial Services and Pensions Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2 (1890 882 090).

We take the security of your personal information very seriously. Access to client data is strictly controlled, ensuring only authorised staff can reach sensitive information. Our IT systems are protected with firewalls, secure website certificates, and up-to-date antivirus software, and we carry cyber insurance to provide an extra layer of protection. We also maintain a robust backup policy and have a comprehensive disaster recovery and business continuity plan, so that in the unlikely event of an incident, we can continue to serve you securely and without interruption.

Yes, we have Professional Indemnity Insurance with nearly €2 million of cover. This is a regulatory requirement to protect clients if there’s ever a question about the advice we give. It specifically covers the advice we provide on activities and products regulated by The Central Bank of Ireland, Revenue, and the Pensions Authority.

Please see https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C39946

Yes, we have clients stories on our website here and we also have client reviews on Google here and on Trustpilot here

We use a combination of tools to ensure we understand how our clients experience our service and where we can improve. On average, every two years, we participate in the Dimensional Fund Advisors Investor Study, a respected survey that gathers feedback from clients on their experiences and expectations. We also monitor client feedback through Google Reviews, Trustpilot, and our formal yearly future planning meetings, where we actively ask for insights on how we can enhance our service.

We are accredited by the All-Ireland Business Foundation and have been shortlisted for awards including Adviser of the Year at the Irish Pension Awards (2024 and 2025) and shortlisted for the Local Enterprise Office (LEO) Excellence Awards in conjunction with Sligo Chamber of Commerce 2025.