Financial Planning is everything that happens once a plan is set in motion. The art comes from the weaving through the obstacles life throws at you while still achieving your goals.
Building wealth outside your pension requires smart decisions and consistent execution. We help you structure investment portfolios that align with your goals, risk tolerance, and time horizon—whether you're investing for a house deposit, children's education, or long-term wealth creation. From tax-efficiency investment vehicles to diversified strategies that balance growth and protection, we cut through the noise to focus on what actually works for your situation. Regular reviews ensure your investments stay on track as your life and the markets evolve.
Your pension is likely your largest financial asset, yet it's often the most neglected. We work with business owners and professionals to maximise pension contributions, optimise tax relief, and ensure your retirement funding is working as hard as you are. Whether you're self-employed, running a company, or employed with additional capacity to contribute, we identify opportunities to build substantial retirement wealth efficiency. We also review existing pensions to ensure they're competitive, well-structured, and actually aligned with your retirement plans.
Wealth management goes beyond picking investments—it's about coordinating all the moving parts of your financial life. We take a holistic view of your assets, liabilities, income, and goals to create an integrated strategy that makes sense. This includes investment management, tax planning, estate considerations, and cashflow structuring. For business owners, we bridge the gap between personal and business finances to optimize both. The result is clarity, control, and confidence that your wealth is working efficiency across every area of your life.
The right protection ensures that your plans don't fall apart when life throws you a curveball. We assess your exposure across income protection, life cover, serious illness insurance, and business protection to ensure you and your family are genuinely covered—not over-insured or under-protected. This isn't about selling policies; it's about identifying gaps, eliminating unnecessary costs, and structuring protection that actually pays out when needed. For business owners, we also address key person insurance and partnership protection to safeguard the business you've built.
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Richard Riordan is the Managing Director and Owner of Optik Wealth Solutions, a personally managed advisory firm designed to meet a range of client needs focused on high standards of care, professionalism and personal service.
Richard has over 30 years of experience in the regulated financial services sector, his work is grounded in the belief that meaningful financial advice must be personal, strategic and delivered with care.
Richard holds a Masters in Financial Services (Honours) and was awarded the IOB Gold Medal in 2022 for academic excellence. He is a Certified Financial Planner TM (CFP®), a Qualified Financial Advisor (QFA), a Qualified Pension Trustee and a qualified Associate member of the Irish Institute of Pension Managers.