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O'Leary Financial Planning

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At O'Leary Financial Planning we set our clients on a path towards their version of FINANCIAL FREEDOM

O'Leary Financial Planning helps simplify your finances, build wealth, protect your assets, & plan for retirement. We give you the tools to help you take back control of your financial situation, maximise every cent of your hard-earned income & get yourself ahead financially.

30/08/2026

You’ve worked hard to build something valuable.

We help you protect it – through risk cover, business continuity, and tax-smart strategies.

27/08/2026

As you may have seen, this month we’ve been covering 𝗵𝗼𝘄 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝘅𝗶𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝗻 𝗜𝗿𝗲𝗹𝗮𝗻𝗱 𝘀𝗵𝗼𝘂𝗹𝗱 𝘀𝘁𝗮𝗿𝘁 𝗹𝗼𝗻𝗴 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗮𝗰𝘁𝘂𝗮𝗹 𝘀𝗮𝗹𝗲.

If something you read or heard this month made you pause, that’s a good sign - it means that you (or someone you know) may be ready for next level help on business transition and tax relief planning.

--------------------------------

Last one for this month, and it is a topic we find is most often out of date…

Your will was probably written before the company was worth what it is now. Possibly before your third child. Possibly before a business partner came in, or left.

Which means the document deciding where your shares go may have been drafted for a business that no longer exists in it's original form*.

That matters more for business owners than most people, because shares carry control - as well as value.

A will that leaves everything equally between children may be handing control of a trading company to somebody who has never worked in it, alongside somebody who is still running it.

Families have (often) fallen out over less..., and the person who could have clarified it is not there to do so.

A reading and review of the current will and estate planning against the current share register takes twenty minutes.

Twenty valuable minutes, and it is the sort of thing that is easy to keep ‘𝘮𝘦𝘢𝘯𝘪𝘯𝘨’ to do.

Contact us today to learn more about our tailored financial, tax and business planning solutions.

𝗖𝗹𝗲𝗼𝗻𝗮 𝗞𝗶𝗻𝗮𝗵𝗮𝗻
Managing Director, O'Leary Financial Planning
091 778678

*𝘐𝘯𝘧𝘰𝘳𝘮𝘦𝘥 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴 𝘳𝘦𝘲𝘶𝘪𝘳𝘦 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘪𝘯𝘱𝘶𝘵. 𝘛𝘩𝘪𝘴 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯, 𝘯𝘰𝘵 𝘢 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯.

25/08/2026

Finally ready to create a comfortable retirement?

Learn how to optimise your pension and boost its value💰.

Let’s commence your journey to a stress-free future!

👉 Book a chat with us today. 𝟬𝟵𝟭 𝟳𝟳𝟴𝟲𝟳𝟴

𝗠𝗮𝗿𝘆 𝗕𝘂𝗿𝗸𝗲 | 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿
O'Leary Financial Planning

23/08/2026

"𝙄 𝙬𝙤𝙪𝙡𝙙 𝙡𝙞𝙠𝙚 𝙩𝙤 𝙩𝙝𝙖𝙣𝙠 𝘾𝙡𝙚𝙤𝙣𝙖 𝙛𝙤𝙧 𝙝𝙚𝙧 𝙖𝙙𝙫𝙞𝙘𝙚 𝙖𝙣𝙙 𝙜𝙪𝙞𝙙𝙖𝙣𝙘𝙚 𝙧𝙚𝙜𝙖𝙧𝙙𝙞𝙣𝙜 𝙢𝙮 𝙥𝙚𝙣𝙨𝙞𝙤𝙣 𝙖𝙣𝙙 𝙨𝙚𝙩𝙩𝙞𝙣𝙜 𝙪𝙥 𝙖 𝙨𝙖𝙫𝙞𝙣𝙜𝙨 𝙥𝙡𝙖𝙣 𝙛𝙤𝙧 𝙢𝙮 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣'𝙨 𝙘𝙤𝙡𝙡𝙚𝙜𝙚 𝙖𝙣𝙙 𝙨𝙩𝙖𝙧𝙩 𝙞𝙣 𝙡𝙞𝙛𝙚. 𝙃𝙚𝙧 𝙠𝙣𝙤𝙬𝙡𝙚𝙙𝙜𝙚 𝙖𝙣𝙙 𝙚𝙭𝙥𝙚𝙧𝙩𝙞𝙨𝙚 𝙖𝙧𝙚 𝙫𝙚𝙧𝙮 𝙢𝙪𝙘𝙝 𝙖𝙥𝙥𝙧𝙚𝙘𝙞𝙖𝙩𝙚𝙙, 𝙖𝙣𝙙 𝙨𝙝𝙚 𝙧𝙚𝙖𝙡𝙡𝙮 𝙜𝙖𝙫𝙚 𝙢𝙚 𝙖𝙣 𝙚𝙭𝙘𝙚𝙡𝙡𝙚𝙣𝙩 𝙥𝙡𝙖𝙩𝙛𝙤𝙧𝙢 𝙩𝙤 𝙨𝙚𝙩 𝙪𝙥 𝙢𝙮 𝙛𝙪𝙩𝙪𝙧𝙚 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙥𝙡𝙖𝙣𝙣𝙞𝙣𝙜." Garry M

Platform is an interesting word to use about financial advice...

Most people come to us thinking they need a ‘product’. A pension, a policy, something to buy. What they usually need first is a 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 they can build on for the next ten, twenty, thirty years.

Garry met with 𝗖𝗹𝗲𝗼𝗻𝗮 𝗞𝗶𝗻𝗮𝗵𝗮𝗻 about his pension and about setting something up for his children's future.

Two separate questions that turned out to be one conversation about what the next couple of decades look like.

The plan we implemented came after that.

If you have been meaning to get your foundations right, twenty-five minutes on the phone and you'll know where you stand.

𝗢'𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴
Working with clients across Ireland

*Testimonial taken from 5 star google review. Individual circumstances differ, and this is general information rather than personal financial advice.

21/08/2026

Is it time to review your insurance policy wording (and pricing)?

Many people find they can improve their level of cover and save money by reassessing their policies and making sure they have the right coverage.

𝗢'𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 offer comprehensive insurance reviews to help you get the best protection. (Review link in comments below)

Don’t miss out on potential savings-check your pricing today!

19/08/2026

[𝗙𝗶𝘃𝗲 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗖𝗵𝗲𝗰𝗸 𝗬𝗲𝗮𝗿𝘀 𝗕𝗲𝗳𝗼𝗿𝗲 𝗬𝗼𝘂 𝗦𝗲𝗹𝗹]

There are five things about your business shareholding and ownership structure that may have been decided years ago, and they can go a long way to determining your tax position when you sell*.

𝗛𝗼𝘄 𝗹𝗼𝗻𝗴 you have held your shares, and whether you've held them continuously.

𝗪𝗵𝗮𝘁 𝗽𝗲𝗿𝗰𝗲𝗻𝘁𝗮𝗴𝗲 of the ordinary shares you own, and how that ownership has changed over time.

What 𝘆𝗼𝘂𝗿 𝗿𝗼𝗹𝗲 𝗶𝘀 𝗼𝗻 𝗽𝗮𝗽𝗲𝗿. Director, employee, or neither.

How much of your 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘁𝗶𝗺𝗲 goes into the business, and what records exist to demonstrate that.

𝗬𝗼𝘂𝗿 𝗮𝗴𝗲 on the day you sell or transfer, because Retirement Relief generally starts at age 55.

Why does all of this matter?

Because Ireland's main CGT reliefs on the disposal of a qualifying business have very specific conditions.

𝗥𝗲𝘃𝗶𝘀𝗲𝗱 𝗘𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿 𝗥𝗲𝗹𝗶𝗲𝗳 can involve three-year ownership and working requirements.

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗥𝗲𝗹𝗶𝗲𝗳 can look back much further. In the case of qualifying company shares, the rules can require 10 years of ownership and 10 years as a working director, including at least five years as a full-time working director.

These aren't things you necessarily ‘fix’ when a buyer is already sitting across the table.

And that's the part many business owners discover too late.

The owners who put themselves in the strongest position tend to start looking at their eventual exit years before anyone makes them an offer.

The good news?

Finding out where you stand doesn't have to be complicated.

Company records. Share register. Employment and director history. Ownership structure. And a diagnosis of what is actually in place today.

Then you know what you're working with, and what may need attention before the eventual sale.

*Remember - tax relief conditions, qualifying periods and limits vary and can change through successive Finance Acts.

Alternatively, if you would rather have someone go through these (and other considerations) with you and show you where you stand, I would be more than happy to help.

Link below.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗳 𝘁𝗵𝗲 𝗳𝗶𝘃𝗲 𝗰𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗮𝗻𝘀𝘄𝗲𝗿 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴 𝘂𝗽?

𝗖𝗮𝗿𝗼𝗹𝗶𝗻𝗲 𝗛𝗮𝗿𝘁𝗶𝗴𝗮𝗻
O'Leary Financial Planning
Working with business owners across Ireland

P.S. - A few minutes of conversation can often uncover real opportunities - let’s find them.

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General commentary only. The availability of CGT reliefs depends on your individual circumstances and the specific conditions applying at the time of disposal. Tax rules, reliefs, qualifying periods and limits can change. Always obtain appropriate professional tax advice and check the current position with Revenue before making decisions about the sale, transfer or restructuring of a business.

17/08/2026

At 𝗢'𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, delivering exceptional financial guidance isn't just about the destination - it's about the journey.

Our website pulls back the curtain on our proven 𝟲-𝘀𝘁𝗲𝗽 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗽𝗿𝗼𝗰𝗲𝘀𝘀, showing exactly how we turn your financial aspirations into reality.

Starting with a friendly discovery call, moving through detailed strategy development, and continuing with ongoing support, each step is designed to build your confidence and clarity.

We've refined this process through decades of experience, ensuring every client receives truly personalised financial guidance.

Visit our website to understand how we assess your needs, develop tailored strategies, and implement solutions that align perfectly with your goals.

Pop over and explore - we're here if you need us.

O’Leary Financial Planning team

15/08/2026

[𝗬𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗻𝘂𝗺𝗯𝗲𝗿 𝗶𝘀 𝗺𝗲𝗮𝘀𝘂𝗿𝗶𝗻𝗴 𝘁𝗵𝗲 𝘄𝗿𝗼𝗻𝗴 𝘁𝗵𝗶𝗻𝗴…]

Your number has gone up, hasn't it.

The figure where you thought you would stop. It was one and a half years, then it was two, and the last time you thought about it properly it was closer to three.

Nothing about your life got more remarkably more expensive in that time.

The business got bigger. And your number moved to match it, because it was never really measuring what you need. It was 𝗺𝗲𝗮𝘀𝘂𝗿𝗶𝗻𝗴 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗶𝘀 𝘄𝗼𝗿𝘁𝗵.

Which is why it keeps moving. You will never arrive at a number that grows every time you have a good year or something affects your market...

Work it out the other way. What you spend, what you want to do, how long you plan to live. That number remains still, because it is about your life rather than your business's valuation.

For most business owners it comes out lower than the one they have been chasing.

Sometimes by years.

Not by euro. By 𝘆𝗲𝗮𝗿𝘀.

If you have never done this exercise properly, it takes an afternoon and - for a business owner - it is the most useful afternoon in the whole retirement / business transition planning process.

𝗪𝗵𝗮𝘁 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗻𝘂𝗺𝗯𝗲𝗿, 𝗮𝗻𝗱 𝘄𝗵𝗲𝗻 𝗱𝗶𝗱 𝘆𝗼𝘂 𝗹𝗮𝘀𝘁 𝘄𝗼𝗿𝗸 𝗶𝘁 𝗼𝘂𝘁?

Cleona Kinahan
O'Leary Financial Planning
Working with business owners across Ireland

13/08/2026

Ever feel like you should be further ahead financially - but don’t know where the gaps are?

It’s not about working harder. It’s about better structure.

Our free guide walks you through 8 smart, practical strategies to help turn things around - and you can start seeing progress in under 90 days.

✔️ Build wealth, not just income
✔️ Reduce your tax burden
✔️ Get your finances working in sync

Download your copy of How to Turn Your Finances Around - In Under 90 Days in comments below.

𝗣𝗹𝗲𝗮𝘀𝗲 𝗻𝗼𝘁𝗲: Tax treatment depends on individual circumstances and may change in the future. We recommend reviewing your plan regularly with a qualified financial advisor.

11/08/2026

Finish this sentence. "𝙊𝙣𝙘𝙚 𝙩𝙝𝙚 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨 𝙨𝙚𝙡𝙡𝙨, 𝙄'𝙡𝙡 𝙛𝙞𝙣𝙖𝙡𝙡𝙮..."

Most owners can do it without pausing.

Here's what tends to be on the list.

A three-day week. The trip that's been rebooked twice. Sorting the pension properly. Saying no to the client who's been difficult since 2019. A better car. Time with a parent who isn't getting younger.

Now go through your list and mark which items need money, and which simply need a 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻.

The three-day week is a decision and a costing exercise.

The pension review is a decision.

Saying no to the difficult client is entirely a decision (and usually a profitable one).

The house, the boat and the early retirement date genuinely need the money.

Most business owners find the second group is shorter than they expected, because while it all sits in your head, everything is waiting on the same thing.

Write your list out this week. Then tell me how many actually need a business buyer.

𝗖𝗹𝗲𝗼𝗻𝗮 𝗞𝗶𝗻𝗮𝗵𝗮𝗻
O'Leary Financial Planning

Address

8 Liosban Business Park, Tuam Road
Galway
H91AK8V

Opening Hours

Monday	9am - 5pm
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Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.olearys.ie/

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