An employee benefits structure that helps you keep your best people.

Expert financial advice on group pensions, auto-enrolment, health, life and income protection — with less admin for you.

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Colleagues working together in a modern office
  • Central Bank regulated
  • 37 years · since 1989
  • Three offices — Limerick, Dublin & Galway
  • Trusted financial advisors
  • Named, qualified advisers (LIA · IOB · III)

Good benefits are one of the cheapest ways to keep good people, and one of the easiest to get wrong. Set up badly they cost more than they should and nobody values them. Set up well they cost less per head than most employers expect and become a real reason to stay. We advise on the whole package, group pensions and auto-enrolment, health, life and income protection, and key-person cover, and we take the admin off your desk. Because we are not tied to any provider, we compare the market and negotiate your renewals rather than accepting the first quote.

What we look after for employers

Group Pensions & Auto-Enrolment Set up the right scheme — or improve the one you have — before auto-enrolment bites. Read more Group Health Cover your team properly, and we negotiate the renewal for you. Read more Group Life & Income Protection A safety net that costs far less per employee than most employers expect. Read more Key Person & Shareholder Protect the business if you lose a director or shareholder. Read more Executive & Director Pensions Tax-efficient pension funding for owner-directors. Read more
Coins in a glass jar, saving for a pension

The 2026 auto-enrolment reality

Auto-enrolment is here. Most employers now need to either set up a scheme or check the one they have measures up. We help you decide quickly — and get it right.

How we work with employers

Scheme review

We look at what you already have, benchmark it against the market, and tell you plainly what to keep, change or drop, whether or not you move it through us.

Employee communications

A benefit only earns loyalty if people understand it. We explain the scheme to your team in plain language, in writing and in person, so it lands.

Annual benefit statements

Each employee gets a clear yearly statement of what they have and what it is worth, which is where the retention value actually shows up.

On-site clinics

We come to you for one-to-one sessions, so staff can ask real questions about their pension and cover without taking a day off.

Request a no-obligation benefits review for your company.

We'll review what you have, tell you what's working, and show you what to improve.

Request a benefits review

David Sheahan Insurance & Investments Ltd t/a BDS Financial is regulated by the Central Bank of Ireland. Reg. no. 115813.