Gallivan Financial

What Gallivan Financial does

Gallivan Financial is an independent, privately held Irish financial advisory and wealth management firm headquartered in Killarney, Co. Kerry, founded in 1989 by Tadgh and Annamaria Gallivan. The firm delivers relationship-led advice across five core service areas: Protection (life, income protection, serious illness, mortgage protection, business protection), Retirement Planning (pension initiation, fund growth, post-retirement drawdown and ARF strategies), Investment Opportunities (investment bonds, regular savings plans, fund portfolios, portfolio management, corporate and family investments), Financial Planning (wealth management and inheritance/CAT planning), and Group Pension Schemes & Risk Benefits for corporate employers. Services are delivered face-to-face across five Irish offices (Killarney HQ, Limerick, Blanchardstown, Sandymount, Ballsbridge) using a panel of 11+ Irish and international life, pension, and investment providers, enabling independent product selection.

The firm is regulated by the Central Bank of Ireland as an insurance intermediary and investment intermediary (registration C121072), is a member of Brokers Ireland, and operates on a dual fee-and-commission revenue model: hourly advisory fees of €150–€250 for qualified advisors and €40–€80 for associates/support staff, plus upfront and recurring trail commissions from product providers. Pricing is partially disclosed and clients can elect fee- or commission-based remuneration. GTM is sales-led and relationship-driven, combining direct advisory consultations, a formal referral partnership with accountants/tax advisors/solicitors, content marketing via the company website and social channels, and client testimonials as primary trust signals.

Since May 2023, Gallivan has executed six acquisitions — Vincent Casey Life & Pensions (2023), FJ Hanly & Associates (Limerick, 2024), Mount Street Group (Dublin, 2025), Kelly O'Shea Pensions & Financial Services (Tralee, 2025), Tara Financial Partners (Dublin, 2025), and Doyle Pension & Insurance Management (Dublin, March 2026) — growing AUM from a sub-€100M base to over €1.3 billion and a combined client book exceeding 2,000. The Doyle Pension deal established Gallivan as the largest fully Irish-owned wealth and pensions advisory firm in Ireland, with a stated target of €2 billion AUM. Under Managing Director Fergal Smith and Chairman Xavier Woodward (ex-KPMG M&A, ex-Livingbridge PE), the firm is pursuing a roll-up strategy supported by a 2024 professionalization of finance and operations leadership.

Name

Gallivan Financial

Legal name

Gallivan Financial Limited

Website

https://gallivanfinancial.ie

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Financial Advisory & Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Financial advisory services
• Wealth management
• Pension planning
• Life insurance advice
• Investment advisory

Headquarters

HQ city

Killarney

HQ country

Ireland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others, Supply Chain

Revenue model

1. Advisory Fees: Hourly fee-based charging for financial advisory services. Clients can elect to pay on a fee basis rather than commission. Advisor fees range from €150-€250 per hour depending on service type. Associates and support staff fees range from €40-€80 per hour.
2. Commission from Product Providers: Gallivan Financial receives commission and other payments from insurance and investment product producers on completion of business. They also receive ongoing/recurring commission based on percentage of value of investments or annual premiums for ongoing service provision including regular reviews and continued access to advice.
3. PRSA Advisory Fees: Specific fee structure for Personal Retirement Savings Account advice: €200 per hour for advisors, €60-80 per hour for associates.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gallivan Financial provides independent, fee-based financial advisory and wealth management services to individuals, families, and corporate clients across Ireland. Core offerings span Protection (life insurance, income protection, serious illness cover), Retirement Planning (pensions, PRSAs, ARFs), Investment Opportunities (bonds, funds, portfolio management), Financial Planning (wealth management, inheritance planning), and Group Pension Schemes & Risk Benefits for employers, delivered through qualified advisors across five Irish offices.

Product overview

Gallivan Financial is a financial planning and wealth management firm that offers a unified suite of advisory services rather than a modular software platform. The core offerings span five interconnected areas: Protection (personal, family, and business protection products), Retirement Planning (from pension initiation through growth and post-retirement advice), Investment Opportunities (investment bonds, regular savings plans, funds, portfolio management, and corporate/family investments), Financial Planning (wealth management and inheritance planning), and Group Pension Schemes & Risk Benefits for employers. Services are delivered through qualified financial advisers across multiple Irish offices, with access to a panel of leading life and pension insurers including Aviva, Irish Life, New Ireland Assurance, Royal London, Standard Life, and Zurich. The firm has grown significantly through acquisitions, expanding from its Kerry base to Limerick and Dublin.

Differentiator

Problem solved

Functional benefit

Products and services

• Protection Financial protection services including life cover, income protection, serious illness cover, mortgage protection, and whole of life cover to safeguard individuals and families against unexpected life events. Delivered through qualified financial advisors with access to a panel of leading Irish and international insurers.
• Retirement Planning Comprehensive retirement planning services including pension contribution advice, retirement income and drawdown planning, investment guidance, and protection planning. Covers the full retirement journey from pension initiation through post-retirement income strategies.
• Group Pension Schemes & Risk Benefits Employer-focused services including setup and administration of group pension arrangements, default and optional investment strategies, compliance management, and employee risk benefits such as group life cover, group income protection, and serious illness cover. Helps Irish employers attract talent, support retention, and ensure pension regulation compliance.
• Investment Opportunities Investment advisory services covering investment bonds, regular savings plans, pension investments, diversified fund portfolios, and wealth preservation and growth strategies. Includes equity funds, bond and fixed-income funds, multi-asset funds, and ESG and sustainable funds for diversified portfolio construction.
• Financial Planning Strategic financial planning services including goal-oriented roadmapping, comprehensive wealth strategy, investment and portfolio advice, risk protection, and estate planning. Encompasses wealth management and inheritance planning for high-earning professionals, business owners, and families.

Quantifiable outcome

• Over €1.3 billion in assets under management following latest acquisition
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• AvivacoreOthersInsurance and investment product provider. Gallivan Financial works with Aviva as part of their panel of life, pension and investment providers to deliver financial solutions to clients.
• Irish LifecoreOthersLeading Irish life and pensions provider included in Gallivan Financial's panel of insurance and investment partners.
• New Ireland AssurancecoreOthersMajor Irish life assurance company partnered with Gallivan Financial to provide pension, investment, and protection products.
• Standard LifecoreOthersInternational investment and pensions provider included in Gallivan Financial's provider panel.
• ZurichcoreOthersGlobal insurance provider partnered with Gallivan Financial for life and pensions products.
• Royal LondoncoreOthersUK-based life insurer (Royal London/Caledonian Life) providing products through Gallivan Financial's advisory network.
• Cantor FitzgeraldcoreOthersInvestment services provider included in Gallivan Financial's panel for investment products and services.
• Greenman InvestmentsminorOthersInvestment manager offering ESG-focused and sustainable investment options included in Gallivan Financial's provider network.
• BCP Asset ManagementminorOthersAsset management firm included in Gallivan Financial's panel for investment solutions.
• Quest Retirement SolutionsminorOthersPension solutions provider partnered with Gallivan Financial for retirement planning products.
• Newcourt Retirement Fund ManagerminorOthersRetirement fund management services included in Gallivan Financial's provider network.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Irish Life: Ireland's largest life and pensions provider and part of Great-West Lifeco. Comparable as a primary product provider on Gallivan's panel and as a vertically integrated competitor in pensions, investments, and group schemes across the Irish market.
• New Ireland Assurance: Major Irish life and pensions provider owned by Bank of Ireland. Directly comparable to Gallivan's pension, investment, and protection offerings, and operates its own advisor distribution channel in competition with independent firms.
• Aviva Ireland: One of Ireland's leading life, pension, and investment providers and a panel partner of Gallivan. Comparable provider of pensions, savings, and protection products through tied and independent advisor channels.
• Zurich Life Assurance Ireland: Global insurer with a significant Irish life and pensions business and a Gallivan panel partner. Comparable in life cover, pensions, and investment product offerings distributed through Irish advisors.
• Standard Life (Ireland): International investment and pensions provider active in the Irish market via independent brokers. Comparable to Gallivan's investment and pension advisory services and is on Gallivan's product panel.
• Royal London Ireland: UK-based life insurer with a growing Irish presence (via Caledonian Life) and a Gallivan panel partner. Overlapping in life cover, pensions, and protection distribution to Irish consumers.

Direct peers

• BCP Asset Management: Irish-owned investment and pension advisory firm included on Gallivan's panel. Comparable as an independent Irish wealth advisor offering discretionary portfolio management and pension advisory to individuals and corporates.
• Cornmarket Group Financial Services: Irish financial services firm specializing in public-sector and corporate group schemes. Directly comparable to Gallivan's group pension scheme and risk benefits offering for Irish employers, including public-sector segments Gallivan is less focused on.
• Acorn Life: Independent Irish life and pensions provider with its own advisor distribution network. Comparable mid-sized Irish competitor offering pensions, savings, and protection products through a direct and broker channel.

Regional players

• Wealthcare Independent Financial Advisors: Independent Irish wealth and financial advisory firm offering similar pensions, investments, and protection advice. Comparable as a similarly sized Irish IFA but operating from a different regional footprint, illustrating the fragmented competitive set Gallivan is consolidating.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/gallivanfinancial
• LinkedInlinkedin.com/company/gallivan-financial
• Instagraminstagram.com/gallivan_financial

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gallivan Financial