Horwath Bastow Charleton Limerick

The Offering: Independent Advice on Investments & Pensions and Full Financial Review and Planning Service

We offer truly independent, fee-based advice, where our only interest is in providing you, the client, with a bespoke, tailor-made investment solution for your specific needs.

What “Independent Investment Advice”, means is that we advise you on how best to structure and manage your:

personal investments,
pensions including self administered pensions and retirement funds,
savings,
life cover, income protection, etc
company investments

to generate the best possible return within your desired risk and time framework.

In addition to providing specific Investments and Pensions advice we also provide a full Financial Review and Planning Service whereby we pull together all of the clients existing Investments, Pensions, Savings, Protection and all other relevant material to produce a review of existing policies, recommendations to retain or to change existing arrangements and a plan for the future – a type of Financial Health Check and Plan.

Our Investments & Pensions service involves advising you on asset allocation and on portfolio construction. We combine our knowledge of direct equity investments with ability to choose the best of the collective funds available. In addition to advising you, we can follow through by actually executing the transactions and managing your wealth either directly via our (i) portfolio management service or via a (ii) manage-the-managers programme.

What is our Portfolio Management Service?

This involves working personally with the client to -

Discuss Investment Strategy to ascertain appetite for risk and to take into account individual’s or corporate’s overall financial needs – a holistic approach to knowing the client
Advise on creating a balanced portfolio with diversified sector and geographic exposure (taking account of currency risk) – asset allocation
Recommend specific stocks for such a portfolio
Recommend specific funds or other collective instruments where appropriate
Create bespoke structured products if appropriate
The construction of the portfolio is on an advisory basis – with all investments being approved by the client – opportunities for a real say in the management of your funds
Best execution of investment strategy – sourcing the most cost effective transaction mechanisms
The ongoing monitoring and management of the portfolio, including recommending new investment ideas, advice on timing of when to take profits and implementing a stop-loss approach if appropriate
Regular interaction with the client regarding the performance of the portfolio
A sounding board for the appraisal of other investment ideas

In summary we help create and then manage and monitor your investments and pensions for you.

This portfolio management service is equally applicable to “Investments” and “Pensions”. For Pensions, in addition to providing independent advice on the investment strategy underlying the pensions and the choice of fund manager for insured pensions (Personal or Executive), we also work with the client to set-up Small Self Administered Pensions (SSAPs) and Approved Retirement Funds (ARFs). We then provide the ongoing advice and management of the SSAP and/or ARF.

What is our Manage-the-Manager service?

Where you already have relationships with a number of providers of investment and retirement benefit services (e.g. stockbrokers, fund managers, pension providers, etc) and are largely happy with these arrangements, but do not have the time or expertise to get the best from them. We act as a manager of those managers pulling together the disparate strategies to create a coherent financial plan. We make sure that the overall asset allocation is appropriate and we ensure that there is no unnecessary overlap or inefficiencies in the services provided to you. We then monitor the performance of each manager against benchmarks to ensure that you get value for money and the optimum management of your wealth. This programme often achieves significant savings on costs for our clients.

Our Credentials

Denis Moloney, Investments Director, is an honours BA Economics graduate from University College Dublin. He is a QFA and has an MBS by research from the University of Limerick, for which he received the 1999 O’Connor Prize for best post-graduate paper in the area of agricultural economics.

Originally from Bodyke in East Clare, Denis started his career with Irish Life Investments Managers in Dublin where he managed various government and corporate bond portfolios. He was a senior member of the “Structured Investments” team developing new investment products including Irish Life’s flagship “Consensus Fund”. In 2006 he became a Fund Manager and was responsible for Irish Life’s €2 billion Irish Equity portfolios. Before joining HBCL Investments & Pensions Denis worked with HC Financial Services in Galway as Investments Manager where he was responsible for the wealth management division and managed a wide range of investment portfolios for high-net-worth and corporate clients.

For further information about HBCL Investments & Pensions please contact:

Denis Moloney
Investments Director
Email: denismoloney@hbcl.ie
Tel: 353-61 310311 extn 4874

HBCL Investments & Pensions Limited is regulated by The Central Bank of Ireland.
Company Directors: Denis Moloney, Liam Hession, Con Quigley
Registered Office: The Red Church, Henry Street, Limerick
Registered in Ireland No: 440388

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