PUBLIC AND PRIVATE SECTOR FINANCIAL PLANNING LIMITED

Public & Private Financial Planning Ltd is a specialist advisory firm that helps individuals and families turn their financial aspirations into reality. Led by Garreth Kelly, who brings 26 years of experience across investment banking, mortgages and personal financial planning, the team delivers personalised strategies for retirement, protection, savings and investment. Their focus on both public‑sector employees and private‑sector clients means they understand the nuances of state‑pension rules, additional voluntary contributions and business‑owner protection, offering clear guidance that maximises benefits and minimises risk.

The company’s core services include bespoke retirement plans that navigate complex pension legislation, comprehensive family and business protection packages, and a wide selection of investment opportunities managed by leading fund managers. Clients benefit from ongoing portfolio reviews, risk assessments and regular plan adjustments, ensuring their wealth grows in line with changing circumstances. With a 4.9/5 rating from over 600 satisfied customers and a 98 % client‑satisfaction rate, Public & Private Financial Planning has consistently added an average of €52,066 to clients’ retirement funds—demonstrating the tangible impact of their optimised, no‑extra‑cost approach.