Protection & Prosperity Financial Services Limited

What Protection & Prosperity Financial Services Limited does

Protection & Prosperity Financial Services Limited (PPFS) is a privately held, independent financial advisory firm headquartered at 13 Crowe Street, Dundalk, County Louth, Ireland. Founded by Barry Oliver in 2018 and incorporated in 2020, the firm is regulated by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act 1995 and as an Insurance Intermediary under the Insurance Distribution Regulations 2018 (Central Bank reference C432061; CRO 667559). PPFS serves individual retail clients across the Republic of Ireland and a secondary segment of business owners, focusing on three core service pillars: Protection (life cover, mortgage protection, serious illness cover, income protection, pension term assurance, Section 72 insurance), Pensions and Retirement Planning, and Investment services. The firm operates a relationship-driven, face-to-face advisory model in which the same named adviser remains the client's point of contact across reviews and life stages.

PPFS's service catalogue is built around three core lines plus a portfolio of complimentary no-obligation services — Pension Tracing Service, Personal Pensions Review, Retirement Planning Health Check, and Investment Review — designed to qualify prospects before they engage paid advisory work. The underlying technology stack is intentionally lightweight: the firm subscribes to WealthTrack Client Management Systems, a cloud-based CRM for financial advisers and brokers that powers the PPFS Client Portal, giving existing clients 24/7 access to policy values aggregated from major Irish life offices. The firm has no proprietary technology assets, patents, or AI capabilities.

The business model blends advisory fees (hourly rate, fixed fee per task, or fee structure attached to a financial arrangement) with product-producer commissions received from insurance and investment providers, in line with Central Bank of Ireland Consumer Protection Code disclosure requirements. Five named financial advisers (Barry Oliver, Paddy Keenan, Thomas MacNamee, Dylan Rice, Rory Whelan) are supported by heads of Accounts & HR, Operations & Compliance, Sales & Brokerage Development, a Compliance Specialist, and administration teams. The firm is privately owned and operated by its founding directors without external investors. Marketing and client acquisition rely on community sponsorship (notably a four-year title sponsorship of Louth GAA from January 2026), social media presence, referral generation from long client relationships, and complimentary initial services. PPFS holds a Brokers Ireland affiliation and is a member of the Dundalk Chamber of Commerce (2025).

Name

Protection & Prosperity Financial Services Limited

Legal name

Protection & Prosperity Financial Services Limited

Website

https://ppfs.ie

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

PPFS is a privately held, independent Irish financial advisory firm in Dundalk, providing protection, retirement, and investment planning to individual retail clients and business owners in the Republic of Ireland, regulated by the Central Bank of Ireland as an Investment and Insurance Intermediary.

Ownership category

akta.pro rank

Headquarters

HQ city

Dundalk

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: PPFS charges advisory fees for ongoing financial planning services. Fee structures include hourly rates, fixed fees for specific tasks, and commission-based charging structures attached to financial arrangements — whichever is most appropriate to the client's requirements.
2. Commission / Product Producer Remuneration: PPFS receives commission and other remuneration from product producers (insurance and investment providers) in line with Central Bank of Ireland regulations. The firm discloses these arrangements publicly pursuant to Consumer Protection Code requirements.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Protection & Prosperity Financial Services Limited (PPFS) is an independent Irish financial advisory firm providing long-term, relationship-driven financial planning across three core pillars: Protection (life cover, mortgage protection, serious illness cover, income protection, pension term assurance, Section 72 insurance), Pensions/Retirement Planning, and Investment services. The firm also offers complimentary Pension Tracing, Personal Pensions Review, Retirement Planning Health Check, and Investment Review services, and provides clients 24/7 access to policy values via a WealthTrack-powered Client Portal.

Product overview

PPFS offers an integrated financial services practice built around long-term client relationships and continuous planning. The core offering comprises three main service pillars: Protection (life cover, mortgage protection, serious illness cover, income protection, pension term assurance, Section 72 insurance), Pensions/Retirement Planning, and Investment services. The company operates a WealthTrack-powered Client Portal as the primary digital platform for client access. Complementary to the core services, PPFS provides a suite of free assessment services including Pension Tracing Service, Personal Pensions Review, Retirement Planning Health Check, and Investment Review—all designed to help clients understand their financial position and determine fit before engaging paid advisory services. The company is compensated through hourly rates, fixed fees, or commission structures attached to financial arrangements.

Differentiator

Problem solved

Functional benefit

Products and services

• Protection

Quantifiable outcome

• Over €500,000 contributed to local and international causes, demonstrating community embeddedness.
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• Louth GAAcoreGTM or Marketing Partner · 1 January 2026In January 2026, PPFS announced a four-year title sponsorship agreement with Louth GAA. PPFS shares title sponsorship rights with existing partner STATSports. For 2026–2027, PPFS is the front-of-jersey sponsor on all official Louth GAA training gear for senior, U20, and U17 inter-county squads. For 2028–2029, PPFS takes over as the lead front-of-jersey sponsor on match-day playing jerseys. This is the most prominent marketing partnership for PPFS.
• STATSportscoreGTM or Marketing Partner · 1 January 2025STATSports shares title sponsorship rights with PPFS on Louth GAA jerseys under an innovative shared sponsorship model that provides long-term commercial certainty for Louth GAA while maximising brand exposure for both partners.
• St. Patrick's GFCminorGTM or Marketing Partner · 1 January 2025PPFS is the main club sponsor of St. Patrick's GFC (Lordship), which is the home club of directors Barry Oliver and Paddy Keenan.
• Maria Goretti FoundationminorGTM or Marketing PartnerThe Maria Goretti Foundation is a residential respite care home for children with disabilities based in Lordship, Co. Louth. PPFS has supported the foundation for many years in various capacities.
• WealthTrack Client Management SystemscoreTechnology or IntegrationThe PPFS Client Portal is provided through WealthTrack Client Management Systems, a leading cloud-based CRM for financial advisers and brokers. WealthTrack provides subscription-based access combining client and policy management with sales tracking and reporting, enabling 24/7 client access to policy values from major life offices. PPFS pays a subscription fee for this service.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Acorn Life: Irish life insurance and investment company. Comparable as a competitor focused on the Irish protection and savings market, with overlapping products (life cover, investments) although distributed through a different model.

Broad incumbents

• Goodbody: Irish stockbroking and wealth management firm serving individuals and institutions. Comparable as a wealth-management competitor targeting affluent Irish retail clients for investment and retirement advice, though with a more institutional footprint.
• New Ireland Assurance: Major Irish life assurance and pensions company. Directly comparable as a competitor for life cover and pensions business; relevantly, PPFS hired Thomas MacNamee after 35 years at New Ireland, evidencing direct talent and client overlap.
• Aviva Life & Pensions Ireland: Irish arm of Aviva providing life cover, pensions, and investments through advisers. Comparable because it competes in the same retail protection/pension/investment segments PPFS serves, with multi-channel distribution.
• Irish Life: Largest life and pensions provider in Ireland, offering life cover, pensions, and investment products through tied advisers and directly. Comparable because it competes for the same retail protection, pension, and investment wallet that PPFS serves, but at vastly larger scale and with a proprietary product shelf.
• BCP Asset Management: Irish investment manager and financial adviser serving retail and institutional clients. Comparable as a competitor for investment management and pension advisory mandates in the Irish market, with a broader product set.
• Zurich Life Ireland: Large Irish life and pensions provider distributing through intermediaries and direct channels. Comparable as a competitor for the same protection and retirement products PPFS recommends, with broader product breadth and marketing reach.

Emerging players

• Moneycube: Irish digital wealth manager offering automated and advised investment and pension solutions. Comparable because it targets the same retail Irish investor seeking low-cost pensions/investment advice, representing a digitally-scaled alternative to PPFS's relationship-led model.

Direct peers

• Wealth Options: Independent Irish financial advisory firm offering financial planning, protection, pensions, and investments. Directly comparable as an independent intermediary of similar size competing for the same retail client profile in Ireland.
• Harvest Financial Services: Independent Irish financial broker regulated by the Central Bank of Ireland offering protection, pension, and investment advice. Directly comparable as a similarly-sized independent intermediary competing on impartial advice and personal service.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ppfs_
• Facebookfacebook.com/ProtectionProsperityFinancialServices
• LinkedInlinkedin.com/company/ppfs
• Instagraminstagram.com/protection_and_prosperity

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Protection & Prosperity Financial Services Limited