Terms of Business
Brennan Wealth Group
Effective Date: 15-08-2026
These Terms of Business set out the basis on which Brennan Wealth Group provides financial advice and intermediary services to our clients.
We believe that financial advice should be clear, transparent and focused on your individual circumstances. These Terms explain our regulatory status, the services we provide, how we are remunerated, how we manage conflicts of interest and how you can make a complaint.
About Brennan Wealth Group
Legal Name: Thomas Brennan trading as Brennan Wealth Group
Registered Address: Redgap, Ratcoole, Co. Dublin
Email: [email protected]
Website: https://brennanwealthgroup.com/
Our Services
We provide financial advice and intermediary services in areas including:
- Pension and retirement planning.
- Investment advice.
- Life and mortgage protection.
- Family and business protection.
- Cashflow forecasting.
- Financial planning.
- Existing pension and investment reviews.
- Long-term wealth planning.
- Advice for business owners and company directors.
The specific services available to you will depend on your circumstances and the regulatory permissions applicable to our business.
Our Approach
Our advice begins with understanding your circumstances, financial objectives, investment timeframe, attitude to risk and capacity for loss, where relevant.
We will explain the options available to you and outline the advantages, disadvantages, costs and risks associated with any recommendation.
We aim to communicate in clear and straightforward language so that you can make informed decisions.
Independent Advice
Where Brennan Wealth Group describes a service as independent, that service will be provided in accordance with the applicable regulatory requirements for independent advice, including the requirement for a fair analysis of the relevant market.
The Central Bank of Ireland places specific conditions on the use of the term “independent” by intermediaries.
The firm’s compliance-approved wording should be used here once the exact regulatory status and market analysis arrangements have been confirmed.
Suitability
Before making a personal recommendation, we will obtain information about your circumstances and objectives that is relevant to the service being provided.
This may include information relating to:
- Your financial circumstances.
- Your financial objectives.
- Your investment timeframe.
- Your attitude to investment risk.
- Your capacity to withstand financial loss.
- Your existing financial arrangements.
- Your retirement objectives.
- Your family or business circumstances.
It is important that the information you provide is complete and accurate. If your circumstances change, you should inform us so that we can consider whether your existing arrangements remain appropriate.
Risks
Investments and financial products can involve risk. The value of investments can fall as well as rise and you may receive less than you invest.
Past performance is not a reliable indicator of future performance.
Specific risks will depend on the product or service being considered and will be explained to you before you proceed.
Remuneration and Charges
We will provide you with details of the charges and remuneration applicable to the services we provide.
This may include professional fees, commission, ongoing remuneration or other applicable charges.
A written breakdown of applicable charges will be provided before the relevant financial service is provided.
Conflicts of Interest
We maintain procedures designed to identify, prevent and manage actual or potential conflicts of interest.
Where a conflict cannot be avoided, we will take appropriate steps to ensure that your interests are protected and, where required, disclose the nature of the conflict to you.
Our objective is to ensure that recommendations are made fairly and in accordance with our regulatory obligations.
Product Providers
We may work with a range of life assurance, pension, investment and other financial product providers.
The providers and products available to you will depend on the nature of the service required and the regulatory permissions under which we operate.
Client Information
We will treat information provided by you as confidential and handle personal data in accordance with applicable data protection legislation.
Further information is available in our Privacy Policy and Data Protection Notice.
Complaints
We have a formal complaints handling procedure.
If you are unhappy with any aspect of our service, we encourage you to contact us as soon as possible so that we can investigate and seek to resolve the matter.
Details of our complaints procedure are available on our website.
Changes to These Terms
We may update these Terms of Business from time to time to reflect changes in our business, services or regulatory requirements.
Where a material change affects you, we will provide you with appropriate notice and an updated copy of these Terms.
The Central Bank’s requirements provide for revised Terms of Business to be supplied where material changes are made.
Contact Us
If you have any questions about these Terms of Business, please contact:
Brennan Wealth Group
Email: [email protected]
Address: Redgap, Ratcoole, Co. Dublin