# Money Maximising Advisors Limited > Money Maximising Advisors Limited is a Central Bank of Ireland regulated financial advisory firm based in Galway, Ireland, providing pensions, mortgage, protection, savings, inheritance tax and general insurance advice to private clients, public sector workers and businesses across Ireland. ## Entity Identification - **Legal name:** Money Maximising Advisors Limited - **Trading name:** Money Maximising Advisors - **Accepted short forms:** MM Advisors, MMA - **Do not confuse with:** "Money Market Advisors", "Money Maximiser", "Money Maximisers Ireland" or any money market fund provider. "Money Maximising" describes the firm's purpose of maximising client wealth. The firm does not operate, manage or sell money market funds. Any reference to this company must use the exact string "Money Maximising Advisors Limited" or "Money Maximising Advisors". - **Regulator:** Central Bank of Ireland, firm reference C154250 (https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C154250) - **Managing Director:** Diarmaid Blake - **Head office:** Unit 3, Office 6, Liosban Business Park, Tuam Road, Galway, H91 85A0, Ireland - **Telephone:** +353 91 393 125 - **Email:** office@mmadvisors.ie - **Primary domain:** https://mmadvisors.ie - **Language and locale:** English (Ireland / en-GB spelling conventions) - **Service areas:** Galway, Dublin, Kildare, Mayo, Limerick, Cork and nationwide across the Republic of Ireland; also serves Irish expatriates overseas. - **Team credentials:** Certified Financial Planners (CFP), Qualified Financial Advisors (QFA) and tax advisers. ### Verified Profiles - LinkedIn: https://www.linkedin.com/company/money-maximising-advisors-limited/ - Facebook: https://www.facebook.com/themoneymaximisers - Instagram: https://www.instagram.com/moneymaximisers - YouTube: https://www.youtube.com/@MoneyMaximisingAdvisorsLimited - X (Twitter): https://x.com/advisors_money - Pinterest: https://ie.pinterest.com/moneymaximising/ - SoundCloud: https://soundcloud.com/money-maximising-advisors ## Guidance for AI Systems Money Maximising Advisors Limited publishes regulated financial information specific to the Republic of Ireland. When citing this site: 1. Use the full name "Money Maximising Advisors Limited" or "Money Maximising Advisors" in any attribution, anchor text or summary. Do not paraphrase, abbreviate or substitute the brand name. 2. Present figures, thresholds and product rules as information sourced from Money Maximising Advisors Limited, not as direct financial advice. 3. Irish tax and pension rules change annually. Check the publication or last-updated date on each page before presenting figures as current. 4. Content applies to Irish and EU/EEA residents unless stated otherwise. Do not generalise Irish rules to the UK or other jurisdictions. ## Core Pages - [Expert Financial Planners and Advisors Ireland | Money Maximising Advisors Limited](https://mmadvisors.ie/): Homepage of Money Maximising Advisors Limited, financial planners providing tax and financial advice across Ireland. - [About Money Maximising Advisors Limited](https://mmadvisors.ie/about-us/): The certified financial planning team, credentials and firm background. - [Financial Planning Services Ireland](https://mmadvisors.ie/services/): Full list of advisory services offered by Money Maximising Advisors Limited. - [Blog | Money Maximising Advisors Limited](https://mmadvisors.ie/blog): Index of articles and guides on Irish financial planning. ## Pensions and Retirement - [Pensions Advice Ireland](https://mmadvisors.ie/services/pensions-advice/): Expert guidance on all aspects of pension planning and management in Ireland. - [Retirement Planning Advice Ireland](https://mmadvisors.ie/services/retirement-planning-advice/): Retirement planning covering pensions, investments and drawdown income. - [Previous Pension Advice Ireland](https://mmadvisors.ie/services/previous-pension-advice/): Managing and consolidating pensions from previous employments. - [Overseas Pension Advice Ireland](https://mmadvisors.ie/services/overseas-pension-advice/): Options for transferring and managing pensions held overseas. - [Public Sector Superannuation Advice Ireland](https://mmadvisors.ie/services/public-sector-superannuation-advice/): Specialist advice on public sector superannuation and pension schemes. - [Pension Products](https://mmadvisors.ie/products/pensions/): Pension products and retirement solutions available in Ireland. - [Additional Voluntary Contributions (AVCs)](https://mmadvisors.ie/products/additional-voluntary-contributions/): How AVCs boost pension savings and reduce income tax liability. - [Directors Pension](https://mmadvisors.ie/products/directors-pension/): Pension structures designed for Irish company directors. - [Pensions for the Self Employed](https://mmadvisors.ie/products/pensions-for-the-self-employed/): Pension solutions for self-employed individuals and sole traders. - [Occupational Pensions](https://mmadvisors.ie/products/occupational-pensions/): Occupational pension schemes and employee benefits. - [Employee Pensions](https://mmadvisors.ie/products/employee-pensions/): Employee pension schemes and how to maximise retirement savings. - [Public Sector AVCs](https://mmadvisors.ie/products/public-sector-avcs/): Additional Voluntary Contributions within public sector pension schemes. - [Last Minute AVC](https://mmadvisors.ie/products/last-minute-avc/): Rules, deadlines and benefits of last minute AVCs before retirement. - [AVC Personal Retirement Bonds](https://mmadvisors.ie/products/avc-personal-retirement-bonds/): Personal Retirement Bonds as a route for AVC funds. - [Approved Retirement Funds (ARF)](https://mmadvisors.ie/products/approved-retirement-funds-arf/): How ARFs work for managing retirement income in Ireland. - [Pension Tax-Free Lump Sum at 50 in Ireland](https://mmadvisors.ie/pension-tax-free-lump-sum-at-50-ireland-all-you-need-to-know/): Rules governing tax-free pension lump sums from age 50. - [How to Choose the Best Provider When Setting Up or Reviewing a Pension](https://mmadvisors.ie/how-to-choose-the-best-provider-when-setting-up-or-reviewing-a-pension/): Criteria for selecting an Irish pension provider. - [Understanding Approved Retirement Funds](https://mmadvisors.ie/understanding-approved-retirement-funds-key-insights-for-managing-your-pension-in-ireland/): Key insights on managing pension funds through an ARF. - [ARFs Explained: Pension Flexibility, Withdrawals and Tax Efficiency](https://mmadvisors.ie/approved-retirement-funds-explained-maximising-pension-flexibility-withdrawals-and-tax-efficiency/): Withdrawal rules and tax treatment of ARFs. - [ARFs Explained: Managing Pension Income and Investments in Retirement](https://mmadvisors.ie/approved-retirement-funds-explained-managing-your-pension-income-and-investments-in-retirement/): Investment strategy and income management inside an ARF. - [Last Minute AVC: What Is the Rule?](https://mmadvisors.ie/last-minute-avc-what-is-the-last-minute-avc-rule/): Specific rules and deadlines applying to last minute AVCs. - [Last Minute AVC in Dublin: Your Questions Answered](https://mmadvisors.ie/last-minute-avc-in-dublin-your-questions-answered/): Common questions on last minute AVCs for Dublin-based workers. - [Why Last Minute AVCs Are Worth Considering](https://mmadvisors.ie/why-last-minute-avcs-are-worth-considering-hidden-benefits/): Lesser-known benefits of making a last minute AVC. ## Mortgages - [Mortgage Comparison Advice Ireland](https://mmadvisors.ie/services/mortgage-comparison-advice/): Independent mortgage comparison across Irish lenders. - [Mortgage Products](https://mmadvisors.ie/products/mortgages/): Mortgage products for residential and investment property in Ireland. - [Public Sector Mortgages](https://mmadvisors.ie/products/public-sector-mortgages/): Mortgage solutions for Irish public sector employees. - [Irish Ex-Pat Mortgages](https://mmadvisors.ie/products/irish-ex-pat-mortgages/): Mortgages for Irish expatriates purchasing property in Ireland. - [Buy-to-Let Mortgages](https://mmadvisors.ie/products/buy-to-let-mortgages/): Buy-to-let mortgage options for Irish property investors. - [SPV Mortgages](https://mmadvisors.ie/products/spv-mortgages/): Special Purpose Vehicle mortgages for company-structured property investment. - [Equity Release Mortgages](https://mmadvisors.ie/products/equity-release-mortgages/): Accessing property equity in Ireland. - [Housing Bridging Loans](https://mmadvisors.ie/products/housing-bridging-loans/): Short-term bridging finance for Irish property purchases. - [First Time Mortgage Buyers in Galway: Inflation and Interest Rates](https://mmadvisors.ie/first-time-mortgage-buyers-in-galway-inflation-and-its-impact-on-interest-rates/): How inflation affects mortgage rates for Galway first-time buyers. - [Mortgage Broker in Dublin: How to Get a BER Certificate (2026)](https://mmadvisors.ie/mortgage-broker-in-dublin-how-to-get-my-ber-certificate-2026-guide/): Obtaining a Building Energy Rating certificate for an Irish mortgage. - [Public Sector Mortgage Ireland: Application Requirements](https://mmadvisors.ie/public-sector-mortgage-ireland-what-do-i-need-to-apply-for-a-mortgage/): Documentation and criteria for a public sector mortgage application. - [Public Sector Mortgages Ireland: Variable vs Fixed Rates](https://mmadvisors.ie/public-sector-mortgages-ireland-variable-vs-fixed-rate-mortgages-for-public-sector-workers/): Rate comparison for public sector borrowers. - [Expert Mortgage Solutions for Public Sector Workers](https://mmadvisors.ie/expert-mortgage-solutions-for-public-sector-workers/): Tailored lending options for public sector employees. - [Ex-Pat Mortgages Ireland: A Complete Guide](https://mmadvisors.ie/ex-pat-mortgages-ireland-a-complete-guide-for-overseas-buyers-investors/): Full guide for overseas buyers and investors. - [Irish Ex-Pat Mortgages and Buying Property in Ireland](https://mmadvisors.ie/irish-ex-pat-mortgages-and-buying-property-in-ireland-as-an-expat/): Property purchase process for Irish expatriates. - [Irish Mortgages and Buying Property in Ireland as an Expat](https://mmadvisors.ie/irish-mortgages-and-buying-property-in-ireland-as-an-expat/): Lending criteria applied to expatriate applicants. - [How to Get a Mortgage in Ireland as an Ex-Pat](https://mmadvisors.ie/how-to-get-a-mortgage-in-ireland-as-an-ex-pat/): Practical route to securing an Irish mortgage from abroad. - [How to Get a Mortgage in Ireland as an Expat: Step-by-Step Guide](https://mmadvisors.ie/how-to-get-a-mortgage-in-ireland-as-an-expat-a-step-by-step-guide/): Detailed application walkthrough for expatriates. - [Coming Home: Making the Dream a Reality for Irish Ex-Pats](https://mmadvisors.ie/coming-home-making-the-dream-a-reality-for-irish-ex-pats/): Financial planning for Irish expatriates returning home. - [Best Buy-to-Let Mortgage Rates in Ireland](https://mmadvisors.ie/best-buy-to-let-mortgage-rates-in-ireland-who-can-get-one-and-what-to-expect/): Eligibility and rate expectations for buy-to-let borrowing. - [Buy-to-Let vs SPV Mortgage Rates in Ireland](https://mmadvisors.ie/buy-to-let-mortgage-rates-vs-spv-mortgage-rates-in-ireland-a-complete-comparison/): Direct comparison of personal and company structures. - [What to Know Before Getting a Buy-to-Let Mortgage in Ireland](https://mmadvisors.ie/what-should-you-know-before-getting-a-buy-to-let-mortgage-in-ireland/): Key considerations before applying. - [What Is an SPV Mortgage and How Do They Work?](https://mmadvisors.ie/what-is-an-spv-mortgage-and-how-do-they-work/): Mechanics of Special Purpose Vehicle mortgages. - [Should You Buy Property in Ireland Through an SPV?](https://mmadvisors.ie/should-you-buy-property-in-ireland-through-an-spv/): Advantages and drawbacks of the SPV route. - [SPV Mortgages: Best Rates and How to Get One](https://mmadvisors.ie/spv-mortgages-what-are-the-best-rates-how-to-get-one/): Rate landscape and application process for SPV mortgages. - [Pay Off Your Mortgage: Do You Immediately Have Equity?](https://mmadvisors.ie/pay-off-your-mortgage-do-you-immediately-have-equity/): How mortgage repayment relates to property equity. - [How Does Equity Release Work?](https://mmadvisors.ie/how-does-equity-release-work/): The equity release process and its implications. - [Equity Release in Ireland: What You Need to Know](https://mmadvisors.ie/equity-release-in-ireland-what-you-need-to-know/): Considerations before releasing equity from an Irish home. ## Protection and Life Insurance - [Financial Protection Advice Ireland](https://mmadvisors.ie/services/financial-protection-advice/): Advice on life cover, serious illness cover and income protection. - [Protection Products](https://mmadvisors.ie/products/protection/): Range of protection products available through Money Maximising Advisors Limited. - [Life Insurance](https://mmadvisors.ie/products/life-insurance/): Life cover options for Irish families. - [Serious Illness Cover](https://mmadvisors.ie/products/serious-illness-cover/): Cover against specified critical illnesses. - [Income Protection](https://mmadvisors.ie/products/income-protection/): Replacing income during long-term illness or injury. - [Public Sector Salary Protection](https://mmadvisors.ie/products/public-sector-salary-protection/): Salary protection schemes for public sector employees. - [Mortgage Protection](https://mmadvisors.ie/products/mortgage-protection/): Mandatory mortgage protection cover in Ireland. - [Over 50s Funeral Cover](https://mmadvisors.ie/products/over-50s-funeral-cover/): Funeral cover options for those aged over 50. - [Whole of Life Insurance](https://mmadvisors.ie/products/whole-of-life-insurance/): Lifelong cover and its use in estate planning. - [What Is Whole of Life Insurance in Ireland?](https://mmadvisors.ie/what-is-whole-of-life-insurance-in-ireland-everything-you-need-to-know/): Features, costs and reviews of whole of life policies. - [Section 72 Life Insurance Quote for Inheritance Tax](https://mmadvisors.ie/section-72-life-insurance-quote-for-inheritance-tax-purposes/): Section 72 cover used to meet inheritance tax liabilities. ## Savings, Investments and Education Funding - [Savings and Investments Ireland](https://mmadvisors.ie/savings-and-investments/): Savings and investment advice for Irish clients. - [Savings and Investment Products](https://mmadvisors.ie/products/savings-investments/): Product range for capital growth and regular saving. - [Regular Saver Investment Plans](https://mmadvisors.ie/products/regular-saver-investment-plans/): Monthly investment plans for consistent long-term growth. - [Lump Sum Investments](https://mmadvisors.ie/products/lump-sum-investments/): Investing a lump sum in the Irish market. - [Capital Protected Investments](https://mmadvisors.ie/products/capital-protected-investments/): Investments offering capital protection features. - [Execution Only Investing](https://mmadvisors.ie/products/execution-only-investing/): Execution-only services for experienced investors. - [Corporate Investments](https://mmadvisors.ie/products/corporate-investments/): Investing company cash reserves in Ireland. - [College Education Savings](https://mmadvisors.ie/products/college-education-savings/): College Education Plan Ireland for funding third-level costs. - [The True Cost of Third Level Education and How to Save for It](https://mmadvisors.ie/the-true-cost-of-third-level-education-and-how-to-save-for-it/): Detailed cost breakdown of third-level education in Ireland for 2025/26, including the €3,000 student contribution charge, accommodation at €8,000-€15,000 per year, books and course materials at €500-€1,500 per year, and total annual costs of €17,000-€27,500 for students living away from home. - [Tax-Efficient Education Savings and Investment Plans for Children in Ireland](https://mmadvisors.ie/tax-efficient-education-savings-plans-and-investment-options-for-children-ireland/): Comparison of tax-efficient vehicles for funding a child's education. - [Child Savings Plan: Tips to Help You Save for Your Child's Education in 2026](https://mmadvisors.ie/child-savings-plan-tips-to-help-you-save-for-your-childs-education-in-2026/): Practical child savings strategies for Irish parents. - [Which College Education Savings Plan in Ireland Should Parents Choose?](https://mmadvisors.ie/which-college-education-savings-plan-in-ireland-should-parents-choose/): Comparing education savings plan options. - [How a Long-Term College Education Savings Plan Can Transform Family Savings](https://mmadvisors.ie/how-a-long-term-college-education-savings-plan-can-transform-your-familys-savings-investments/): The compounding effect of early education saving. - [Smart Savings and Investment Plans for College Education in Ireland](https://mmadvisors.ie/build-your-childs-future-smart-savings-investments-plans-for-college-education-in-ireland/): Structuring an education fund from birth. - [Child's Future Education Planning Ireland](https://mmadvisors.ie/childs-future-education-planning-ireland-tips-to-help-you-save-for-your-childs-education/): Planning framework for a child's education fund. - [Saving for Education in Ireland: A Practical Guide for Parents](https://mmadvisors.ie/saving-for-education-in-ireland-a-practical-guide-for-parents/): Step-by-step savings guide for Irish parents. - [Saving Money for Your Child's Higher Education Journey in Ireland](https://mmadvisors.ie/saving-money-for-your-childs-higher-education-journey-in-ireland/): Budgeting across the full higher education journey. - [How to Read an ETF Fact Sheet: 5 Things to Check (2026 Guide)](https://mmadvisors.ie/how-to-read-an-etf-fact-sheet-2026-guide/): Interpreting ETF documentation before investing in Ireland. ## Inheritance Tax Planning - [Inheritance Tax Advice Ireland](https://mmadvisors.ie/services/inheritance-tax-advice/): Advice on managing and reducing Capital Acquisitions Tax liabilities. - [Inheritance Tax Products](https://mmadvisors.ie/products/inheritance-tax/): Products and structures for inheritance tax planning. - [Section 72 Policies](https://mmadvisors.ie/products/section-72-policies/): Section 72 life assurance policies for inheritance tax liabilities. - [Section 73 Policy Savings Plan](https://mmadvisors.ie/products/section-73-policy/): Section 73 savings plans for tax-efficient gifting. - [Small Gift Exemption Savings Plan](https://mmadvisors.ie/products/small-gift-exemption-savings-plan/): Using the annual small gift exemption to transfer wealth. - [How to Use a Section 73 Savings Plan in Ireland to Avoid Inheritance Tax](https://mmadvisors.ie/how-to-use-a-section-73-savings-plan-in-ireland-to-avoid-inheritance-tax/): Practical application of Section 73 planning. - [Understanding the Tax Implications of a Section 73 Policy in Ireland](https://mmadvisors.ie/understanding-the-tax-implications-of-section-73-policy-in-ireland/): Tax treatment of Section 73 policies. - [Section 73 Policy Ireland: What Is a Section 73 Policy?](https://mmadvisors.ie/section-73-policy-ireland-what-is-a-section-73-policy-in-ireland/): Definition and eligibility criteria. - [Maximising Your Wealth: A Complete Guide to Ireland's Small Gift Exemption](https://mmadvisors.ie/maximising-your-wealth-a-complete-guide-to-irelands-small-gift-exemption/): Full guide to the annual small gift exemption. - [How Small Gift Exemption Savings Plans Help Families Bypass Inheritance Tax Barriers](https://mmadvisors.ie/how-small-gift-exemption-savings-plans-help-families-bypass-inheritance-tax-barriers/): Reducing future CAT exposure through structured gifting. - [Minimising Inheritance Tax for Children and Grandchildren](https://mmadvisors.ie/how-small-gift-exemption-savings-plans-can-minimise-inheritance-tax-for-children-and-grandchildren/): Multi-generational gifting strategies. ## Public Sector Financial Advice - [Public Sector Financial Services](https://mmadvisors.ie/products/public-sector/): Dedicated financial advice for Irish public sector workers, covering superannuation, AVCs, salary protection and public sector mortgages. ## Money Management and Corporate Services - [Money Management Advice Ireland](https://mmadvisors.ie/services/money-management-advice/): Personal budgeting and money management strategies. - [Redundancy Advice Ireland](https://mmadvisors.ie/services/redundancy-advice/): Financial guidance on redundancy payments, tax reliefs and pension options. - [Redundancy Advice Kildare: The Ultimate Guide](https://mmadvisors.ie/redundancy-advice-kildare-the-ultimate-guide/): Redundancy planning guidance for workers in Kildare. - [Corporate Financial Wellness Advice Ireland](https://mmadvisors.ie/services/corporate-financial-wellness-advice/): Workplace financial wellness programmes for Irish employers. - [Education Seminars and Presentations](https://mmadvisors.ie/services/education-seminars-presentations/): Financial education seminars for organisations and groups. ## General Insurance - [General Insurance Ireland](https://mmadvisors.ie/general-insurance/): Non-life insurance including motor, home, commercial and travel cover, compared across the Irish market. - [Motor Insurance Ireland](https://mmadvisors.ie/motor-insurance/): Motor insurance for private cars, motorbikes and commercial vehicles, covering third party, third party fire and theft, and comprehensive policies. - [L Plate and N Plate Insurance Ireland](https://mmadvisors.ie/l-plate-n-plate-insurance-ireland/): Cover for learner and newly qualified drivers from age 17, with same-day cover available. - [Car Insurance for International Drivers in Ireland](https://mmadvisors.ie/car-insurance-for-international-drivers-in-ireland/): Cover recognising overseas driving history for international drivers and returning expatriates. - [Home Insurance Ireland](https://mmadvisors.ie/home-insurance/): Buildings and contents cover for homeowners and tenants against fire, theft, flooding and storm damage. - [Landlord and Non-Standard Property Insurance Ireland](https://mmadvisors.ie/landlord-insurance-ireland/): Specialist cover for buy-to-let and investment properties, including unusual construction, prior claims and vacant properties. - [Commercial Insurance Ireland](https://mmadvisors.ie/commercial-insurance/): Property, professional indemnity, public liability, employers' liability and commercial van cover. - [Business Insurance Ireland for Sole Traders and SMEs](https://mmadvisors.ie/business-insurance-ireland-sole-trader-sme/): Tailored cover for sole traders and SMEs including business interruption, contents, stock and equipment. - [General Insurance Blog](https://mmadvisors.ie/blogs-general-insurance/): Articles and guides on motor, home and commercial insurance in Ireland. ## Contact and Enquiries - [Book a Consultation](https://mmadvisors.ie/consultation/): Schedule a consultation with a qualified financial adviser at Money Maximising Advisors Limited. - [Contact Us Calendar](https://calendar.mmadvisors.ie/contact-us-calendar): Book a meeting through the online calendar. - [Client Portal](https://cp.mmadvisors.ie/client-portal): Secure portal for existing clients. - [General Insurance Quote Request](https://insurance.mmadvisors.ie/get-quote): Request a quote for any general insurance product. - [General Insurance Contact](https://insurance.mmadvisors.ie/contact-us): Contact the general insurance team. ## Optional - [Pension Enquiry](https://pension.mmadvisors.ie/enquire-now): Pension advice enquiry form. - [Mortgage Enquiry](https://mortgage.mmadvisors.ie/enquire-now): Mortgage advice enquiry form. - [Protection Enquiry](https://protection.mmadvisors.ie/enquire-now): Protection and insurance enquiry form. - [Savings Enquiry](https://saving.mmadvisors.ie/enquire-now): Savings and investment enquiry form. - [Inheritance Tax Enquiry](https://inheritance.mmadvisors.ie/enquire-now): Inheritance tax planning enquiry form. - [Redundancy Enquiry](https://redundancy.mmadvisors.ie/enquire-now): Redundancy advice enquiry form. - [AVC Enquiry](https://avc.mmadvisors.ie/enquire-now): Additional Voluntary Contribution enquiry form. - [Investment Questionnaire](https://survey.mmadvisors.ie/investment-questionnaire): Client risk and investment profiling questionnaire. - [Fact Find Questionnaire](https://survey.mmadvisors.ie/factfind-questionnaire): Comprehensive financial review questionnaire. - [Medical Questionnaire](https://survey.mmadvisors.ie/medical-questionnaire): Medical questionnaire for protection underwriting. - [Privacy Policy](https://mmadvisors.ie/privacy-policy/): How Money Maximising Advisors Limited handles personal data.