Be prepared for the unexpected in your business and home life. Ensure you are protected properly. We would recommend that all business owners have income protection in place for the following reasons:
What happens if you cannot work, or worse?
Tailored Protection to Suit Your Life & Goals
Pays you a monthly income if you’re unable to work due to illness or injury.
Lump sum payout to your family in the event of death.
Lump sum payout to you in the event of illness.
Is Protection Right for You?
If you answered yes to any of these, you need a protection plan.
At Guardian Wealth, we understand the unique financial challenges faced by Irish business owners. Whether you’re planning for retirement, protecting your assets, or extracting profits tax-efficiently, our team brings clarity and confidence to every financial decision.
Deep expertise in structuring director pensions, profit extraction, executive protection for business owners and their families.
We help you reduce corporation and personal tax burdens through compliant, strategic planning.
We’re not tied to any provider, so our advice always prioritises your interests.
No jargon – just transparent, goal-oriented advice.
Trusted by hundreds of business owners across Ireland.
Fully authorised by the Central Bank of Ireland, with a commitment to ethical, compliant service.
Jim Doyle brings over 30 years of experience in financial and client advisory services. A qualified Accountant and Financial & Investment Advisor, Jim has built a career grounded in trust, expertise, and a deep commitment to client success.
Before founding his own accountancy practice in 2002, Jim held key accounting roles in multinational companies including Kerry Group and GlaxoSmithKline, both in Ireland and the UK. This diverse background has equipped him with a broad perspective and a practical understanding of both corporate and personal finance.
Jim specialises in tax and pension planning, using his extensive knowledge to deliver tailored, high-quality financial solutions. His approach is client-focused, ensuring that each individual or business receives advice that is both strategic and personal.
A passionate advocate for lifelong learning, Jim is dedicated to staying at the forefront of the financial industry and sharing that knowledge with clients and peers alike.
Outside of work, Jim keeps active playing tennis and proudly supports his three sons in their hurling and Gaelic football championships—interests that reflect his strong connection to community and family.
Qualifications:
Joanne has been with us since 2010. She has over 25 years experience in Customer Relations, Sales and Marketing in the business to business sector. Joanne, having being self employed understands the everyday challenges that business owners face and enjoys talking to several business owners every week to see if we can support them and make their financial situation better.
If you are contacting Guardian Wealth for the first time, chances are Joanne will be the first voice you hear. Joanne is responsible for all of our Marketing activity and also acts as a point of contact for our clients.
Outside of work Joanne enjoys swimming and walking her doggie “Jupi” singing in a community choir and supporting her local hurling team and Wexford Senior Teams. Joanne is passionate about her community and works with Wexford County Council to get funding for projects that benefit the community.
Qualifications:
After so many years working and building up my Pension it was quite daunting when the time came to access my Pension. There were lots of different options available to me and I wanted to make sure I was fully informed. Michael in Guardian Wealth helped me to understand the immediate and long-term implication of the options available to me and guided me through the process. I would have no hesitation recommending Guardian Wealth.
Trying to make a decision between keeping my existing Defined Benefit Scheme or taking a transfer value was not a clear decision for me. I needed to take advice from somebody with experience so was very happy when I reached out to Michael in Guardian Wealth. Once we weighed up the advantages and disadvantages of each option it became clear to me what I needed to do. I would recommend Guardian Wealth to anybody trying to make a similar decision.
I have been receiving advice from Jim Doyle in Guardian Wealth for 3 years. I was advised by a friend to use Guardian Wealth and so I contacted them when the time came to access my pension. Jim has been very good to me and has given me great advice over the years. He keeps in touch to give me updates on my pension and he is always available by phone if I have any questions. I am delighted that I am dealing with Guardian Wealth. They are a professional outfit and very straightforward to deal with.
I contacted Guardian Wealth as I was looking to get advice on how best to transfer my UK Pension back to Ireland. I met with Michael a few days later and he explained the process to me, and we got the documentation completed to enact the transfer. I don’t think it was something that I could have completed myself, so I am more than happy to recommend Guardian Wealth to anybody looking to transfer their UK Pension back to Ireland.
Trying to get my UK Pension transferred to Ireland was a confusing process. I was getting different advice and opinions from different sources. Michael reviewed my circumstances and was able to explain exactly what my options were. He also contacted the UK pension provider to make sure the process went smoothly. I would have no hesitation recommending Guardian Wealth.
Many thanks for all your help in making the transfer so seamless. I have to say I thought you did an excellent job and I am lucky to have landed on your website when I first started looking for someone to help me on this.
I had been researching the possibility of transferring my UK Pension back to Ireland for quite some time. However, it wasn’t clear to me what steps I had to take to get it done. Once I contacted Guardian Wealth Jim was able to explain the process to me, organise the paperwork and deal with my UK Pension provider. I am happy to recommend Guardian Wealth to anybody who needs help with their UK Pension transfer.
Drawing down my Pension was a big financial decision and I was very happy I chose Guardian Wealth. Michael clearly explained my options to me and dealt with my insurance company to make sure it went smoothly. I now meet with Michael every year to make sure my retirement plans are on track. I have no hesitation in recommending Guardian Wealth’
I have experienced the ups and downs of Pension funds over many years. As I got closer to retirement, I needed to get advice regarding the risk profile of my pension funds as I didn’t want to see it fall in value at this stage of my life. Michael was able to provide practical steps to make sure this risk was reduced for me and I am happy that I am on the right road. They are always at the end of a phone & very accommodating to meet at short notice to discuss any queries that we may have. I do recommend Guardian Wealth to anybody worried about their pension.
I had my Pension with my Bank but as the fund grew, I was becoming more and more concerned that I was always dealing with somebody different. I wanted to have a direct line to somebody who could advise me and meet with me as my circumstances changed over time. Michael is my Pension Advisor now and is always at the end of the phone whenever I need him. I am happy to recommend Guardian Wealth.
Trying to map out a personal financial plan is not an easy task. As most business owners know we spend so much of our time making sure our business is successful, we don’t always have the time or the ability to understand what our personal finances will look like 20 or 30 years from now. Michael, in Guardian Wealth, was able to show me what I needed to do now to ensure I was going to be financially independent when I am older. We meet every year to review progress and I am more than happy to recommend him and Guardian Wealth.
Like most business owners I put most of my energy into making sure my business is successful. Very often that leaves little time to stop and look at my bigger picture financial position, and plan for the future. I have been working with Michael in Guardian Wealth for a number of years now and it’s great to know that he has a financial plan in place for me, and meets with me regularly to make sure I am on track. I am happy to recommend Guardian Wealth.
My husband and I contacted Guardian Wealth seeking advice and help with our pensions. I am an ex Aer Lingus employee and I found it very difficult dealing with Mercer. We met with Jim Doyle in Guardian Wealth. He gave us straightforward advice and clearly explained the options available and the process to me. Jim and his team were very efficient and easy to deal with. They dealt directly with Mercer on my behalf and got everything sorted for me. I am more than happy to recommend Guardian Wealth if you are looking for pension advice.
I would like to sincerely thank you and the rest of the team at Guardian Wealth for the professionalism and due diligence in facilitating my pension transfer from the U.K. You yourself & Stefan carried out your duties in an exemplary manner, always returning calls and emails (a rare thing unfortunately these days but one to my mind which sets Guardian Wealth and yourself particularly high in customer relations). I would have absolutely no hesitation in using yourselves again or recommending you to others.
Co-director insurance, also known as corporate co-director insurance, is a type of business protection insurance. It's a life insurance policy designed to provide a lump sum payment to a company upon the death of a co-director. This payout helps the company buy back the deceased director's shares from their estate, maintaining ownership and control within the remaining directors of the Company.
As an employer, you know that running a great business means having a team of great people around you. There may be one or two people who stand out as key people who have extensive knowledge that is considered highly valuable to the company. Taking out Key Person insurance on this person will allow you to compensate for the financial loss or other consequences for the company should the death of that employee occur.
Serious specified illness cover, also know as critical illness cover, is a type of insurance that provides a tax-free lump sum payment if you are diagnosed with a serious illness or condition covered by your policy. Examples of illnesses typically covered would be cancer, heart attack, and strokes. For hard working business owners certainly this is something that should be considered.
Clear Advice. Trusted Experts. Client-First Approach.
Usually, your first contact with us will be a short telephone call or an email with Joanne in client services. This allows us to understand your situation and let you know how we can help you. A quick phone call or email can often be the easiest way to take the stress out of these decisions.
For most of our clients, that initial phone call or email is where they start to get some clarity and agree on the next step with Joanne. Once you are happy, we can help you, Joanne will set up a phone call or video teams call with Jim or Michael to explore your situation in a little more detail. Michael or Jim will give you a quotation for your specific needs.
These are two different types of products that cover health issues. Income protection provides a monthly income if you are unable to work due to illness or injury, while serious illness cover provides you with a one-time lump sum payment upon diagnosis of a specific serious illness covered by the policy.
For income protection, you need to aim to cover approximately 75% of your gross income, minus the state benefits you would receive while out of work. This should help cover your essential living expenses. For serious illness cover, we would typically consider a lump sum based on a multiple of your net annual income.
Tax relief is allowable in most cases at the 12.5% corporation tax rate.
In Ireland, income protection premiums are tax-deductible, reducing the overall cost of coverage. However, any benefits received from an income protection claim are subject to income tax, as they are considered a replacement for lost earnings.
