Personal financial planning, built around the life you actually want.

Expert financial advice on pensions, protection, health cover and investments — from a named adviser who stays with you for the long run.

Book a call See how we work
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  • Central Bank regulated
  • 37 years · since 1989
  • Three offices — Limerick, Dublin & Galway
  • Trusted financial advisors
  • Named, qualified advisers (LIA · IOB · III)

Your finances are not really about products. They are about the life you want: retiring when you choose, knowing your family is looked after if something happens, not overpaying for health cover, and putting money to work instead of watching it lose value on deposit. We start with where you are and where you want to get to, then advise on the pieces that get you there, from a named adviser who stays with you rather than a different voice each time you call.

What can we help you with?

Pensions and retirement
An older couple walking together outdoors
 Whether you are starting a pension, carrying a few old ones from previous jobs, or working out how to draw down what you have built, we help you make the most of it. We compare plans across the market, make sure you are claiming the full tax relief for your age, and set a contribution and fund that match your plans. As retirement nears we plan the drawdown, lump sum, ARF or annuity, so the pot you built actually lasts. Pensions and retirement Protection
A family together at home
 Cover that pays out when it matters, without paying for cover you do not need. Life cover, mortgage protection, serious illness and income protection each do a different job, and the right mix depends on who relies on you and what you owe. We work out what you need, compare the whole market on price and on the policy wording that decides claims, and set it up properly. Protection Health insurance
A person reviewing paperwork at a table
 Most people pay more than they need to at renewal, out of habit. Barbara reviews your cover and shows you exactly where you can save without losing the benefits you value, across Irish Life Health, Laya, Level Health and Vhi. Send us your renewal letter and we do the comparison for you. Health insurance Investments
An adviser and client reviewing investment options
 Expert guidance on putting money to work, whether it is a lump sum from an inheritance or a property sale, a regular monthly amount, or a pension pot to invest through an ARF in retirement. We match the plan to your goals, your timeframe and your comfort with risk, keep charges honest, and build in the right tax treatment from the start. Investments

What a first conversation looks like

No cost, no obligation, no jargon — just four clear steps.

  1. 01

    Discovery call

    A free 20-minute call to understand where you stand and what you want.

  2. 02

    Fact find

    We gather the detail — income, cover, pensions, goals — properly.

  3. 03

    Recommendation

    A written recommendation with clear options, in plain English.

  4. 04

    Implementation & review

    We put it in place and review it with you, year after year.

Not sure who to speak to?

Tell us what's on your mind and we'll point you to the right page.

I'm thinking about retirement Speak to a member of the team about pensions I want to protect my family Speak to a member of the team about protection My health renewal is due Speak to Barbara about health cover

Book a call, or download our Individual Planning Guide.

A 20-minute call costs nothing and clarifies a lot. Prefer to read first? Download the guide.

Book a call

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