Empowered Money

Your financial future deserves expertise you can trust

Too many Irish families struggle with financial uncertainty. At Empowered Money, we transform complexity into clarity, helping you build real wealth and secure your family's future with confidence.

Trusted by 300+ Irish families

Irish family financial security and wealth building

Why Irish families choose Empowered Money

Central Bank regulated

Fully regulated by the Central Bank of Ireland with over 20 years combined experience protecting Irish families' financial interests.

Personal approach

We build lasting relationships, not just sell products. Every client receives tailored advice that fits their unique circumstances and goals.

Proven results

Our clients typically save thousands on unnecessary fees whilst building substantial wealth through our strategic planning approach.

Always available

No phone trees or waiting weeks for responses. Direct access to your advisor when you need guidance most.

Meet your financial guides

The qualified experts who've helped over 300 Irish families achieve financial confidence and build lasting wealth.

Shane O'Toole, Founder & CEO of Empowered Money
Shane O'Toole

Founder & CEO

With over 2 decades in Irish financial services, Shane specialises in retirement planning and investment strategies. He's helped hundreds of families navigate complex financial decisions with confidence.

Tom Kostus, CTO of Empowered Money
Tom Kostus

CTO

Tom combines technical innovation with financial expertise, ensuring our clients benefit from cutting-edge technology whilst receiving personalised service that larger firms simply can't match.

Nikki Byrne, Financial Advisor at Empowered Money
Nikki Byrne

Financial Advisor

Nikki's expertise in retirement planning and investment strategies has helped countless clients optimise their financial position for long-term wealth building and security.

Fiona Hoekstra, Customer Experience Manager
Fiona Hoekstra

Customer Experience Manager

Fiona ensures every client journey is smooth and stress-free. Her dedication to exceptional service means you'll always feel supported throughout your financial planning experience.

Caroline Coyle, Compliance Consultant
Caroline Coyle

Compliance Consultant

Caroline's expertise in financial regulations ensures all our advice meets the highest standards, giving you complete confidence in every recommendation we make.

Andrea Henry testimonial photo

Working with Shane and the team at Empowered Money has been a hugely positive experience.


Shane's clear, strategic financial advice gave me the confidence and ability to take over a year off work, to travel and spend time with family, while continuing to contribute to my pension and maintaining my financial stability.


Thanks to his guidance, I've now reentered the workforce in a strong position, with my long-term goals still fully on track. I'm incredibly grateful for his support, insight, and the peace of mind his expertise has provided.

Andrea Henry

Customer of Empowered Money

Croí Valve logo

As a CFO, I wanted to set up group pension for the team.


Empowered Money put in place a comprehensive staff pension scheme and offer 1-2-1 meetings for each employee to discuss the personal needs.


They made everything easy to understand, handled all the details, and kept me in the loop throughout.


It's great knowing both my future and my employees are fully taken care of. They took all the stress out of pensions – and went above and beyond.

Shauna Clarke

Chief Financial Officer , Croí Valve

Common questions answered

Everything you need to know about working with Ireland's most trusted financial advisors

Still have questions?

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Empowered Money Management Limited is regulated by the Central Bank of Ireland.