Life, Pensions & Investment Fees

Kelly O’Shea Pensions & Financial Services Ltd is remunerated by commission and other payments from product producers or lenders on the completion of business. You may choose to pay in full for our services by means of a fee. Where we receive recurring commission, this forms part of the remuneration for initial advice provided.  We reserve the right to charge additional fees if the number of hours relating to on-going advice/assistance exceeds 10 hrs.


In certain circumstances, it will be necessary to charge a fee for services provided. These are listed below for life, and Standard PRSAs. In other circumstances where fees are chargeable or where you choose to pay in full for our service by fee, we will notify you in writing in advance and agree the scale of fees to be charged if different from fees outlined below.


If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the firm unless an arrangement to the contrary is made.



Life Fees

You may elect to deal with us on a fee basis.


This would normally be up to €120 per hour but is fully negotiable based on the client’s needs and requirements.


Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency, our scale of fees for such cases range from a minimum of €120 per hour to a maximum of €200 per hour. We will notify you in advance and agree the scale of fees to be charged.

For full details re all companies commission details please use this link: