CMCC Financial Solutions

What CMCC Financial Solutions does

CMCC Financial Solutions Limited is an independent, privately held financial advisory firm established in October 2006 by Conor Murray and headquartered in Sandyford, Dublin 18. Operating with a team of 7-8 professionals from a single office, the firm delivers regulated advice across the full personal financial planning lifecycle — first-time buyer, mover, and switcher mortgages; life, mortgage, and income protection insurance; savings and investment planning (1,500+ portfolios created, average monthly contribution €225); pre- and post-retirement pension planning; and corporate offerings spanning business protection, group life/income protection, and company-sponsored pension schemes (50+ schemes, 300+ employee pensions administered). All activity is conducted on a fair analysis basis through a broad panel of Irish product providers including Irish Life, New Ireland, Aviva, Zurich, Standard Life, Royal London Ireland, Bank of Ireland, Haven/AIB, PTSB, and ICS Mortgages.

The firm is regulated by the Central Bank of Ireland as an Insurance Intermediary, Investment Intermediary, and Mortgage Intermediary, is a member of Brokers Ireland (with up to €100,000 per-client compensation cover) and the Investor Compensation Scheme, and holds LIA partner status. Its technology stack comprises off-the-shelf financial planning and portfolio management software plus a set of online calculators and a client portal — there is no proprietary platform or AI/ML capability. Revenue is generated through three streams: tiered flat-fee financial planning (Core from €500, Growth €1,500, Legacy €2,250), an ongoing annual review fee of up to 0.5% of assets under management, product provider commissions on insurance and investment placements, and a €250 mortgage processing fee. The go-to-market is overwhelmingly referral-led, with over 90% of new business sourced from existing client recommendations and a 5-star Google rating reinforcing organic acquisition, supported by an Insights blog, calculators, and newsletter as top-of-funnel content assets.

Name

CMCC Financial Solutions

Legal name

CMCC Financial Solutions Limited

Website

https://cmcc.ie

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

CMCC Financial Solutions is an independent, Dublin-based financial advisory firm offering regulated advice on mortgages, protection, savings, investments, and pensions to individuals and SMEs across Ireland through a 7-8 person team.

Ownership category

akta.pro rank

Headquarters

HQ city

Sandyford

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financial Planning Fees: CMCC charges flat-fee financial planning fees across three tiers: Core (starting from €500), Growth (€1,500), and Legacy (€2,250). An ongoing annual review fee of up to 0.5% of assets under management is charged. Fees are for advice only and do not include implementation or annual reviews.
2. Commission on Insurance and Investment Products: The firm earns commission from product providers (life assurance, pensions, investments) on completion of business. Commission may be offset against advisory fees where applicable. Ongoing remuneration is received as a percentage of funds under management annually.
3. Mortgage Processing Fee: A once-off, non-refundable mortgage processing fee of €250 is charged upon receipt of an Approval In Principle. This fee applies to first-time buyer, moving home, and switcher mortgage applications.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

CMCC Financial Solutions is an independent financial advisory firm delivering advice-based financial planning across mortgages, savings and investments, income and life protection, pensions, and business/employee benefits. The firm provides tailored plans for individuals (first-time buyers, home movers, switchers, savers, retirees, and protection seekers) and for businesses (owners, directors, and employers), offering access to multiple Irish lenders and product providers on a fair analysis basis. Services are delivered through scheduled consultations and ongoing annual reviews from its Sandyford, Dublin office, supported by online calculators and a client login portal.

Product overview

CMCC Financial Solutions is a financial advisory firm offering a comprehensive suite of advice-based financial planning products and services. The core offering includes mortgage advisory services (first-time buyer, moving home, and switcher mortgages) with access to multiple lenders under one roof. Protection products encompass life insurance, income protection, specified illness cover, and business protection solutions. Retirement planning services cover pre-retirement pension planning with up to 40% tax relief, post-retirement income planning, and company-sponsored employee pension scheme administration. The firm also provides savings and investment planning services, and offers tiered financial planning fee structures (Core, Growth, Legacy). Additional tools include online calculators for savings, life cover, pension funding, and tax relief. Services are delivered through regulated financial advisers based in Sandyford, Dublin, with a focus on establishing lasting financial relationships through annual review meetings.

Differentiator

Problem solved

Functional benefit

Products and services

• First-Time Mortgages Mortgage advisory service for individuals purchasing their first home, apartment, or self-build property. Provides access to multiple Irish lenders using one set of documents, free initial consultations, guidance on Help to Buy and First Home Scheme eligibility, and end-to-end support from mortgage readiness through Approval in Principle and drawdown.
• Moving Home Mortgages Mortgage advisory service for homeowners moving up the property ladder. Includes scenario analysis of existing commitments, access to multiple lenders, cashback incentive evaluation, and mortgage protection and home insurance coordination.
• Switcher Mortgages Mortgage switching service that compares existing mortgage terms against the wider Irish market to identify better rates, potential savings (illustrated at up to €120/month or €28,800 over a €350,000, 20-year mortgage term), and equity release options for home improvements.
• Savings & Investments Savings and investment advisory service for individuals making regular monthly contributions or investing lump sums. Provides tailored portfolio construction, ongoing management, and annual reviews, with CMCC having created and managed over 1,500 investment portfolios (average €225/month per client).
• Income & Life Protection Personal protection advisory covering mortgage protection, term assurance, pension term assurance, specified illness cover, and income protection. Designed for individuals and families seeking to protect income, mortgage repayments, and loved ones against death, serious illness, or inability to work, with cover available from €10.10 per month subject to underwriting.
• Pensions & Retirement Planning Pre-retirement pension planning service for individuals including self-employed sole-traders, company directors, and employees in non-pensionable employment. Includes tax relief guidance (up to 40% on contributions), investment strategy, retirement goal setting, and ongoing annual reviews.
• Post-Retirement Planning Post-retirement income planning service covering tax-free cash extraction, annuity options, and Approved Retirement Fund (ARF) management for individuals transitioning into or already in retirement.
• Business Protection Business insurance advisory for company owners and directors covering key person insurance, company directors and partnership assurance, and buy-and-sell agreement funding structures designed to ensure business continuity and protect remaining shareholders on death or serious illness of a partner.
• Employee Income & Life Protection Group protection benefits service for employers covering executive pension term assurance, death-in-service benefits (up to 4x salary), and income protection (75% of salary less state benefits). Available to businesses with 1 to 100+ employees as a standalone employee benefits offering.
• Employee Pension Schemes Company-sponsored pension scheme setup and ongoing administration service offering master trust and PRSA options through six pension scheme providers. Includes tax-deductible employer contribution structuring, employee deductions management, and ongoing scheme governance, with CMCC currently managing 50+ pension schemes covering 300+ employee pensions.

Quantifiable outcome

• Mortgage switching can save up to €120/month or €1,440/year or €28,800 over the mortgage term on a €350,000 mortgage over 20 years (3.75% vs 4.40% variable rate)
• +4 more outcomes

Named customers9 records

Segments9 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• New Ireland AssurancecoreOthersNew Ireland Assurance is one of Ireland's leading life insurance and pension providers. CMCC works with New Ireland as part of its panel of product providers for life assurance, pensions, and investment products offered on a fair analysis basis.
• AvivacoreOthersAviva is a major insurance provider in the Irish market. CMCC offers Aviva's home insurance (on a limited analysis basis) and life insurance products through its advisory services.
• Standard LifecoreOthersStandard Life is a prominent pension and investment provider in Ireland. CMCC includes Standard Life in its panel for pension, savings, and investment product recommendations on a fair analysis basis.
• Irish LifecoreOthersIrish Life is one of Ireland's largest life and pensions companies. CMCC works with Irish Life as part of its provider network for life assurance, income protection, and pension products.
• ZurichcoreOthersZurich is a leading global insurer operating in Ireland. CMCC partners with Zurich for life assurance, specified illness cover, income protection, and pension products, and references Zurich's pension calculator on its website.
• Haven MortgagescoreOthersHaven Mortgages (a subsidiary of AIB) is a mortgage lender in Ireland. CMCC includes Haven in its panel of mortgage lenders for first-time buyers, home movers, and switchers, and references its green rate mortgage offerings.
• Bank of IrelandcoreOthersBank of Ireland is one of Ireland's largest retail banks and mortgage lenders. CMCC includes Bank of Ireland among its panel of lenders accessed through its mortgage intermediary services.
• Permanent TSB (ptsb)coreOthersPermanent TSB is an Irish retail bank and mortgage provider. CMCC includes PTSB in its panel of mortgage lenders for residential mortgage applications.
• ICS MortgagescoreOthersICS Mortgages is a specialist mortgage lender operating in Ireland. CMCC includes ICS Mortgages in its panel of lenders accessed through its fair analysis mortgage intermediary services.
• Royal London IrelandminorOthersRoyal London Ireland is a life insurance and pension provider. CMCC includes Royal London Ireland among its product provider network for insurance-based investment products.
• Cantor FitzgeraldminorOthersCantor Fitzgerald is a financial services firm. CMCC includes Cantor Fitzgerald in its provider network for investment and financial products on a fair analysis basis.
• Life Insurance Association (LIA)coreOthersCMCC is a proud LIA Partner. The Life Insurance Association is Ireland's professional body for financial advisers. This partnership provides CMCC's advisers access to professional development, certifications (QFA), and industry resources.
• Brokers IrelandcoreOthersCMCC Financial Solutions is a member of Brokers Ireland, the representative body for insurance and financial brokers in Ireland. The firm is also covered by the Brokers Ireland Clients' Compensation and Membership Benefits Scheme (BIC) up to €100,000 per client.

Scale indicators10 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• Acorn Life: Irish life insurance and investment advisory firm operating in the same market as CMCC. Comparable because both target Irish consumers and small businesses with life cover, savings, and pension products through a regulated intermediary model.
• Brewin Dolphin Ireland: UK-headquartered wealth management and financial advisory firm with an Irish presence. Comparable because it serves similar high-net-worth individuals and business owners with discretionary portfolio management, pensions, and financial planning advice.

Emerging players

• Moneycube: Ireland-based digital wealth management and pension advisory platform. Comparable because it targets the same Irish retail and pre-retiree segments as CMCC with savings, investment, and pension offerings, though delivered through a robo-advisor model rather than face-to-face advice.

Broad incumbents

• Irish Life: Ireland's largest life and pensions company. Comparable because it provides the underlying life, pension, and investment products that CMCC distributes, and competes for the same end-clients through its own tied advisory and direct channels.
• Aviva Ireland: Major Irish life and general insurance provider. Comparable because it offers life cover, pensions, and investment products through CMCC's panel and through its own direct and broker channels, overlapping substantially in target market.
• Zurich Life Ireland: Major Irish life assurance and pension provider. Comparable because it supplies products distributed by CMCC (life assurance, specified illness, income protection, pensions) and competes for the same corporate group scheme business.
• New Ireland Assurance: Irish life and pension provider (Bank of Ireland Group). Comparable because it is one of CMCC's core product partners for life assurance, pensions, and investments, while also serving Irish consumers and businesses directly.
• Standard Life: Major pension and investment provider active in Ireland. Comparable because it is on CMCC's panel for pension, savings, and investment recommendations, while also distributing through its own adviser and workplace channels targeting the same customers.

Others

• Bonkers.ie: Irish price comparison and consumer finance platform. Comparable because it touches the same customer journey — mortgages, life cover, pensions, and savings comparison — and is an indirect competitor and potential client-acquisition channel for advisory firms like CMCC.
• Bank of Ireland (Mortgages): One of Ireland's largest retail banks and a core mortgage lender on CMCC's panel. Comparable because Bank of Ireland both supplies mortgages that CMCC brokers and offers its own direct mortgage and wealth advisory channel competing for the same first-time buyer and mover segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/CMCC_Fin_Sol
• Facebookfacebook.com/CMCC-Financial-Solutions-773401149484485
• LinkedInlinkedin.com/company/cmcc-financial-solutions

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CMCC Financial Solutions