Business Brochure 2023 Walfrid Private Ltd. | All Rights Reserved

Walfrid Private Ltd. | All Rights Reserved

Contents Who We Are .............................................................................................................. 1 Strategic Committee .......................................................................................... 3 Executive Committee ......................................................................................... 4 International Recognition ................................................................................. 6 Compliance ............................................................................................................. 7 Qualifications of the Team ................................................................................. 7 Areas of Expertise ............................................................................................... 8 Industry Knowledge ............................................................................................ 9 Existing Relationships ...................................................................................... 11 Specialities ........................................................................................................... 11 REAP ....................................................................................................................... 12 The Walfrid Private Wealth Management Process .................................... 14 Retirement Options for Pensions .................................................................. 16 Advisory Board .................................................................................................... 17 Publications With Partner Industries ........................................................... 18 Financial Obstacles for Your Members ......................................................... 19 Walfrid Private’s Commitment ....................................................................... 20 Summary ............................................................................................................... 21

Walfrid Private Ltd. | All Rights Reserved

Walfrid Private Ltd. | All Rights Reserved

Who We Are Are Who We About WalfridPrivate Private About Walfrid Walfrid Managementfirm firmbased basedin inBallymount, Ballymount,Dublin Dublin12. 12. We Walfrid Private Private are are aa Wealth wealth management We operate operate nationnationwide. Walfrid Private help Company Directors, Self Employed Business Owners and Entrepreneurs wide. Walfrid Private help Company Directors, self employed business owners and entrepreneurs to reduce costs, reduce taxes and improve business and personal financial performance. reduce costs, reduce taxes and improve business and personal financial performance.

Founded in 2009 by Richard Collins, Walfrid Private became a Limited Company in 2012. Richard has worked in theby financial and wealth industriesinsince Founded in 2009 Richardservices, Collins,accounting Walfrid Private becamemanagement a Limited Company 2012.1998. Richard Throughout histhe career, he has operated at a strategic has workedindustries on asset acquisition has worked in financial services, accounting and level. wealthHe management since 1998. across the globe from Europe, the Middle East and America. Throughout his career, he has operated at a strategic level. He has worked on asset acquisition across the globe from Europe, the Middle East and America. The global financial crisis of 2008 highlighted the need for centralised wealth management systems to Richard. After conducting business internationally, recognised the efficiencies The global financial crisis of 2008 highlighted the needRichard for centralised wealth managementavailable systems by engaging with clients to help them achieve their financial goals. to Richard. After conducting business internationally, Richard recognised the efficiencies available by engaging with clients to help them achieve their financial goals. International wealth management firms bring their clients on a financial journey. Richard decided to bring thesewealth processes back to Ireland to provide clients with this journey. system ofRichard managing International management firms bring their Irish clients on a financial decided wealth. Clients are informed of the processes involved in protecting, developing, extracting to bring these processes back to Ireland to provide Irish clients with this system of managingand retainingClients wealth.areHence the birth Walfrid Private in in 2009. wealth. informed of theofprocesses involved protecting, developing, extracting and retaining wealth. Hence the birth of Walfrid Private. Walfrid Private Ltd. | All Rights Reserved Walfrid Private Ltd. | All1 Rights Reserved Page Page 1

Richard has a vast array of knowledge in wealth development and wealth management stemming Richard a vast array knowledge in wealth management stemming from his has accounting and of taxation background. Hedevelopment has enlisted and thesewealth skillsets when acquiring the from accounting taxationtobackground and has enlisted skillsets whencurrently acquiringis the most his suitably skilledand workforce be employed within Walfridthese Private. The team 30 most skilled workforce to be employed within Walfrid Private. The team currently is 30 strongsuitably and is constantly expanding. strong and is constantly expanding. Since its inception, Walfrid Private has grown exponentially year on year in terms of both client Sinceand its inception, Walfrid Private has grown exponentially year on yearclients in terms of both client base staff numbers. Walfrid Private are proud to be able to represent across numerous base and sectors staff numbers. Walfrid to be able to represent clients acrossEngineering, numerous different including but notPrivate limitedare to proud Medical, Pharmaceutical, Dental, Retail, different including Legal andsectors Veterinary fields.but not limited to medical, pharmaceutical, dental, retail, engineering, legal and veterinary fields. Walfrid Private are strategic partners of some of the leading Associations throughout Ireland. We Walfrid Private sector are proud to beliterature strategic for partners some of the leading Associations have published specific all of of these divisions and have also hostedthroughout numerous Ireland and wepodcasts have published specific literature for allfields of these and have also webinars and to assistsector business owners across these withdivisions their financial planning hosted numerous and podcasts to assist across these fields with their requirements. We webinars plan to expand this value addedbusiness offering owners this year. specific financial planning requirements. We plan to expand this value added offering this year and going forward. By engaging with Walfrid Private, you can be assured that your financial position is secure as we protect the things that matter most to you; By engaging with Walfrid Private, you can be assured that your financial position is in good hands we protect ◦asYour Health the things that matter most to you; ◦ Your Wealth Your Health ◦ Your Income Your Wealth ◦ And most importantly, your Family Your Income And most importantly, your family

Mission Statement Mission Statement To be a world class Wealth wealth management company Management company renowned for for excellence excellence in in renowned client service, wealth protection, client service, wealth protection, accumulation, retention and accumulation, retention and corporate exit strategies for corporate exit strategies for company directors in Ireland. company directors in Ireland. Walfrid Private Ltd. | All Rights Reserved Walfrid Private Ltd. | All Rights Reserved Page 2 Page 2

Strategic Committee Meet the experts in Wealth Management

Richard Collins Richard is founder and MD of Walfrid Private. He has a 10X mindset that has enabled Walfrid Private, an Irish Company to have global reach. He assists Entrepreneurs and Business Owners to solve their key challenges at the crossroads of business, wealth development, wealth management, wealth extraction, family and personal life. Richard has numerous financial qualifications and subscribes to the healthy mindset, healthy lifestyle approach when it comes to business and personal life.

Edward Collins Edward has been a Director at Walfrid Private since inception. Edward has had a vast career with 15 years business ownership / leadership experience. Edward’s educational background has been prominent in helping Walfrid Private’s growth pattern. Edward is Director of Operations.

Becky Callaghan Becky is Financial Planning Team Manager at Walfrid Private and has been with the company for a number of years working her way through the ranks to become an invaluable member of the management staff. Becky’s focus and attention to detail mean that our clients can be assured that the most cost effective and tax efficient solutions are always met for each individuals bespoke situation and circumstances.

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Executive Committee Meet the experts in wealth management

Stephen Holmes Stephen is the Business Development Manager (BDM) for Walfrid Private. Stephen joined Walfrid in September 2016. Having attained his BA in Marketing, he comes with a wealth of experience in business development, marketing and sales and has worked in numerous industries from retail, telecommunications to financial services, primarily in B2B roles. As BDM in Walfrid Private, it is likely that Stephen will be the first point of contact with many clients as he will be in touch with you to discuss how Walfrid Private can add value to your financial affairs. Stephen will discuss with you how developing a relationship with one of Walfrid Private`s brands can best serve both you and your business, not just now but in the future too.

Paul Moran Paul joined the Walfrid Private team in early 2021 and quickly progressed to the Executive Committee after showcasing his desire, knowledge and skills in terms of wealth development for clients. He is currently Executive Team Lead and manages two teams of 6 paraplanners to ensure the highest levels of customer service and experience are achieved. Paul is a highly resourceful, enthusiastic and motivated individual with over 20 years’ experience working in busy deadline driven office environments. He has excellent interpersonal skills and is able to work independently or integrate into a team seamlessly. Pauls skillset incorporates organising, planning and coordinating his team with a keen eye for detail.

Wayne Dunne Wayne is Head of Client Advisory for Walfrid Private. Wayne has 22 years of experience in various wealth management and financial services roles. Wayne joined Walfrid Private in 2020 as a financial paraplanner but quickly impressed with his hunger and desire to offer his advisory skills in a client facing environment. Wayne progressed to being a client advisor in 2021 and has advanced to Head of Client Advisory, heading up a team of Advisors. Wayne has been an invaluable asset to the company and has onboarded numerous clients in various sectors due to his specialist knowledge in Pensions, Retirement Planning and Succession Strategies.

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Val Russell Val has 40 years’ experience in the Life & Pensions industry. Val is one of the longest serving members of the Walfrid Private team. His wealth of financial experience has been an invaluable asset through the years. His previous experience includes Managerial roles in Irish Life plc. He has experience in Business Development and Customer Services. Val has also worked in several Brokerage Firms and is a Qualified Financial Advisor. Currently, Val is the Head of Compliance for Walfrid Private and has headed up numerous operations to ensure Walfrid Private are leaders in meeting all regulatory

Claire Brennan Claire is a hugely experienced financial planner that has been with Walfrid Private since 2013. Claire has held numerous high-ranking roles within the company ranging from Head of Paraplanning, Operations Manager, Manager of Advisory Services and is now head of our in-house Zero Tax Property division. Claire is a key cog in day-to-day operations and can always be relied upon to provide her depth of knowledge to our clients.

Shannon Leonard Shannon joined Walfrid Private as a financial planner in 2021. She has progressed quickly through the ranks to become Portfolio Manager. Shannon’s financial administration background and attention to detail have been invaluable in terms of customer experience and support. Shannon ensures customers are constantly kept abreast of financial updates and is a key component of our client services team. Shannon makes certain that the highest level of service and knowledge is available to our clients at all times and her positive attitude means she can assist our customers with any and all of their queries in the most efficient ways possible.

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International Recognition of Walfrid Private Walfrid Privates team of financial experts are hugely skilled in terms of speaking engagements and have hosted various webinars and discussions throughout the years both nationally and internationally. We have our own in-house seminar room that houses up to 60 guests and we constantly host various financial discussions and seminars for our clients to help disseminate information and knowledge to ensure our customers are always kept up to date with the latest financial updates and developments. The highlight from our speaking engagements is undoubtedly when Richard Collins spoke in front of 13,000 delegates in The Orlando Convention Centre in Florida in October, 2017. Richard spoke on an array of wealth development subjects that included Taxation Planning, Intergenerational Wealth Transfer, Retirement Accounts, Efficient Succession strategies and Estate Planning.

In addition to speaking on financial matters, Walfrid Private are members of the Million Dollar Round Table (MDRT). MDRT is a global, independent association of the world's leading life insurance and financial services professionals from more than 500 companies in 70 nations and territories of which Walfrid Private sit at the Top Table, meaning that they are recognised as being in the top 1% of financial planners globally by MDRT. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. Walfrid Private Ltd. | All Rights Reserved Page 6

Compliance

Compliance

Compliance Walfrid Private is regulated by the Central Bank of Ireland. To ensure all standards and regulations Private is regulated by the Central Bankup of by Ireland. To ensure allhas standards and regulations areWalfrid met, the Compliance Department is headed Val Russell, who over 40 years of experiWalfrid Private is regulated by the Central Bank of Ireland. To ensure all standards and regulations arein met, the Compliance Department is headed up the by Val Russell, who has over 40 years of experience industry. In addition to this, Department is has independently by Niall are the met,financial the Compliance Department is headed up by Val Russell, who over 40 yearsaudited of experience in of thethe financial industry. In addition to this, the Department is independently audited by Niall Crowley Regulatory Compliance Support Services (RCSS) Ltd. ence in financial industry. In addition to this, the Department is independently audited by Niall Crowley ofofRegulatory Services(RCSS) (RCSS)Ltd. Ltd. Crowley RegulatoryCompliance Compliance Support Support Services

Qualifications of the Team

Qualifications of the Team

Walfrid Private team members have completed exams across many disciplines in finance (and other

Walfrid Private team members have completed exams across many disciplines in finance (and other Walfrid have completed exams across many disciplines in finance (and other areas) thatPrivate includeteam (butmembers are not limited to);

areas) that include (but are not limited to); areas) that include (but are not limited to);

• • • • •

• BSc • CIMA BSc • BSc • QFA CIMA • CIMA • QFA • QFA RPA • RPA • RPA APA •

APA

•

PTP

• APA CFP • CFP • • CFP PTP

•

PTP

Walfrid Private Ltd. | All Rights Reserved

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Areas of Expertise Walfrid Private are highly skilled in various sectors and industries. We are specialists in many industries and offer guidance, advice and knowledge in terms of financial planning and wealth development. Due to the vast array of sectors that we cover, Walfrid Private have created sub-brands to allow our industry experts specialise in each area accordingly. As such, numerous in-house brands have been created and can cater to each category appropriately. In addition to that, we have become key partners and wealth management providers to a number of the main associations in these industries and we have written and published numerous books to assist the members of these associations in terms of their financial situations. Our in-house brands include;

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Industry Knowledge I was the owner and operator of two busy pharmacies. My time was always focused on the day-to-day running of the business. Once I decided to sell the business, I realised I needed some guidance on my retirement planning. I saw a huge opportunity to work with Zero Tax Property. From the moment I started working with the Zero Tax Property team, I knew I had made the right decision for my retirement. The team centralised all of my pensions and then walked me through the process, step-by-step, The property was acquired and then refurbished. Tenants were found and now my pension has rental income coming in on a monthly basis - TAX FREE. I would have no hesitation in recommending Zero Tax Property to people who are looking to explore options for their own pensions. Conor Nolan Pharmacist

I am a busy proprietor and the owner of both a Maxol Service Station and a Spar Convenience Store, my experience with Zero Tax Property was incredible. Everything was clearly explained and broken down into the relevant details that I needed to know. The entire journey from start to finish was effortless. The Zero Tax Property team took away all of the headaches usually associated with property purchases and simplified the entire acquisition process, which allowed me to focus on my day-to-day running of the businesses. Now I have passive cash flow coming into my retirement fund every month Tax-Free. I could not recommend Zero Tax Property highly enough. Ronan McDermott Business Owner

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Industry Knowledge

I used my pension to purchase a property with the assistance of Zero Tax Property. I had investigated this process and discussed it with various vendors but I decided to proceed with Walfrid Private. The main reason for this is that all the other vendors said "we will centralise all your pensions into one pot and then advise what you need to do next". Walfrid Private assured me that they would not only centralise my pensions but they would help me with every step in the process, which is exactly what they did. They centralised the funds initally and from there, they sourced the property and got all the necessary parties involved in terms of the acquisition. They then helped me to fund the deal. They organised and arranged everything for me but were constantly in touch to keep me updated. Then in addition to that they dealt with the refurbishment. I did very little as Walfrid Private handled everything on my behalf. Then they created the cash flow from the deal. So, now I find myself to this day getting regular TAX-FREE income every single month from the rent directly to my pension fund. Finally, years from now when I do get to the point I retire, I will have the capital but I will also have the capital appreciation TAX FREE too. This is the best decision I have ever made in relation to my pension and my retirement. Owen Fitzpatrick Author, Speaker, Consultant

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Existing Relationships

Specialities Due to the deep and wide-ranging expertise Walfrid Private’s team have, across multidisciplinary areas of finance, we are able to offer clients a scope of speciality services and knowledge. These include but are not limited to;

• Association Member economies of scale • Cost effective and tax efficient life and pension schemes • Member education • Member business plans • Wealth development • Wealth protection • Wealth accumulation • Wealth extraction • Wealth retention • Legacy control • Business succession • Intergenerational wealth transfer • Industry specific wealth management publications & literature • Fee-for-service advice • Retirement Relief • Entrepreneurial Relief • Capital preservation • Zero Tax Property

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REAP Clients hire Walfrid Private for our skillset and our Centralised Wealth Management Service known as REAP. It is linear in fashion but no one step is more important than the other and it creates a road-map. It brings our clients on their wealth management journey. REAP stands for the Retention, Extraction, Accumulation, Protection of wealth.

STEP 04

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RETENTION Your children’s financial independence

• Section72 • Legacy control • Family partnerships • Power of guardianship

STEP 03 • Retirement relief • Entrepreneur relief • Business relief

EXTRACTION Your financial independence

STEP 02 • Multiple streams of passive income • Government backed income • Holding companies • Retirement accounts

ACCUMULATION Your financial independence

STEP 01 PROTECTION Your financial independence

• Personal protection • Balance sheet protection • Risk control

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Protection

Protection is the foundation and building blocks of any successful wealth management plan. It encompasses a number of key insurance policies for both the individual and the business. It ensures the client is not over-insured or under-insured for their particular (current) circumstances, whilst crucially also ensuring that any applicable tax reliefs are being availed of. In simple terms, it future-proofs the personal and business balance sheets of the client.

Accumulation Accumulation is the second stage of the wealth management process and looks at ways and means of developing more wealth into the personalised plan. This can be done via pensions (both traditional and by potentially using the Zero Tax Property vehicle) and also investments (personal and corporate). We promote self administered pensions for model clarity and transparency via a fee for service advisor.

Extraction Extraction is the third step in the REAP process and this avenue looks at various reliefs that would be potentially open to Company Directors. Various options are open to Directors to look at possibly extracting tax free sums upon disposal of shares. Criteria must be met. This step, crucially, shows that pensions are not the only source of tax free/tax efficient income for business owners. Retirement Relief and Entrepreneurial Relief are two such reliefs that should be considered for all business owners to ensure that the amount of money/or goodwill is kept within the business owners realm and estate and is maximised in the most tax efficient manner. Many people aren’t made aware of certain limitations when it comes to funding pensions. This is due to salesmanship and a focus on pensions in isolation but there are tax free limits that can be claimed once it comes to the drawdown phase of your retirement account and these limitations should be discussed with your financial advisor prior to and during the funding stage of your pension. Quite often, we find that it is not what people are doing that is incorrect, it is the way they are currently doing it. Often, it makes sense for a business owner to forfeit pension contributions in order to extract capital tax free via retirement or entrepreneurial relief.

Retention Retention is the final step and this crucial stage looks at how each step of the journey is structured to minimise any tax leakage and ensure that any financial outpouring is minimised. This step also incorporates areas such as legacy control, estate planning and succession strategies to ensure that should anything happen to the parents, that the family and estate are protected in an efficient manner. It means that intergenerational wealth transfer can happen without dreaded “death taxes”. It promotes the financial independence of your children and grand children. Walfrid Private Ltd. | All Rights Reserved Page 13

The Walfrid Private Wealth Management Process Walfrid Private get to know their clients in order to create a bespoke wealth management journey. A 7 step wealth management process is followed to achieve F.I.R.E. (Financial Independence to Retire Early) or obtain the work optional stage of their career.

STEP 3: The Wealth Management Plan™ The REAP Wealth Management System

STEP 1: The Familiarisation Focus™

Retention Extraction

Educational Seminars give both knowledge and information to attendees in a relaxed and entertaining environment.

Accumulation Protection The Wealth Management Plan™ details the protection, development and retention of wealth through a Centralised Wealth Management Process.

Client and Association Referrals are similar in content to our educational seminars but are more discreet as they are held on a one to one basis.

The Recommendation Navigator™ relates to your objectives and it details alternatives open to you to meet your goals and remove your worries and concerns. It recommends specific solutions and provides recommended implementation strategies.

The Familiarisation Meeting follows on from the above. It gives us an opportunity to discover what is happening in your world, our world and THE world. The Discovery Planner is completed prior to the Discovery Meeting™. It clarifies your thoughts, plans and objectives for the coming years.

STEP 2: The Discovery Process™ The Letter of Authority™ enables us to gather current and accurate data as part of our compliance file. We only collate data to report to you, we do not become an agent. The Discovery Meeting™ is a crucial part of our process. We communicate our research findings and discuss further your goals, concerns and how we can help you through goal based financial planning. The Financial Focus™ documents the agreed points from the Discovery Meeting as we commence a Centralised Wealth Management Process.

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This 7-step process is; 1) The Familiarisation Focus 2) The Discovery Process 3) The Wealth Management Plan (incorporating R.E.A.P.) 4) The Implementation Process 5) The Reflection Snapshot 6) The Walfrid Private Family Client 7) The Welcome Meeting STEP 7: The Welcome Meeting™ The Welcome Meeting™ is where Walfrid’s team of experienced financial advisors will provide you with the guidance and resources you need to make informed decisions about your finances. We will discuss our services, answer any questions you may have, and provide you with the tools and resources to help you achieve success. We look forward to working with you!

Optional: The Planning Meeting™ The Planning Meeting™ is an optional meeting to discuss, review and amend your Wealth Management Plan prior to commencement of The Implementation Process™

STEP 6: The Walfrid Family Client™ STEP 4: The Implementation Process™

The Family Client™ is designed as a proactive relationship with you and, where appropriate, your

The Implementation Process™ is a series of meetings to implement recommendations within the Wealth Management Plan. As a fee-for-service wealth management firm we agree our fees prior to commencing implementation of pension and investment advice.

family. Your investments and assets are managed using the Advanced Investment Strategy™. Never again will you or your family need to worry about your

STEP 5: The Reflection Snapshot™ The Reflection Snapshot™ is a series of periodic reflections that keep you informed of the progress. This happens with monthly model portfolio performance updates, quarterly investment reports and annual face-to-face reflections. Our Financial Planning team consistently monitors the plan in the background. Each Client has a portfolio manager as a point of contact.

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money.

Retirement Options for Pensions Zero Tax Property (ZTP) is a tax efficient part of retirement planning and is an initiative very popular with business owners across Ireland. In essence, ZTP means you can potentially use your pension to purchase property and lease it back to the State via local authorities and pay 0% tax on the rental income and growth. As an Asset Backed, Government Backed investment, it should be at least considered as an opportunity as it offers the possibility of getting your pension working for you rather than vice versa. Income is also possible from the private rental market. At Walfrid Private, we; Find the Deal Fund the Deal Manage the Deal Structure the Deal Cashflow the Deal Our Investment Process: 1. Psychometric Risk Profiling Techniques 2. Tactical Asset Allocation 3. Rebalancing of Portfolios 4. Replacement of Non-Performing Funds 5. Forward Planning Meetings

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Advisory Board Tony Gordon Tony is a past President of the Million Dollar Round Table (the first non American to do so). Tony has a career spanning over 5 decades in the financial services industry through many roles including being a past President of the L.I.A. (now known as The Personal Finance Society) which is the U.K.’s Association of Financial Advisors. Tony also served 8 years on the Board of the U.K.’s Financial Services Regulator, representing advisors. Tony is also a celebrated speaker and author. Although now retired (from his own business), Tony still finds time to mentor other Financial Advisors and is a dedicated mentor to Walfrid Private’s business advisory team. Tom Gannon Tom is a very well known Irish Serial Entrepreneur and Business person. Tom began life marketing various worldwide institutions including Red Bull but soon wanted to create his own legacy and branding. Tom (with his business partner) created and built Fulfil Nutrition into a multi-million euro business before being eventually sold off. From there, Toms appetite to create successful brands came to the fore again and he co-founded the hugely successful Cali Cali brand of snack foods. Tom is also a Director of NutriQuick and sits on many company boards as an Advisory Member. Tom also works as a consultant across numerous disciplines and his knowledge and expertise in these fields have been an invaluable source of guidance to the Walfrid Private team through the years.

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Publications With Partner Industries Publications With Other Industries

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Financial Obstacles for Your Members All business owners face various challenges on a daily basis and it should be noted that these challenges often have to be met head on. When it comes to mitigating financial risk, Walfrid Private can be of assistance. We help our clients to develop and manage wealth throughout their working careers and beyond. Just some of the financial challenges that business owners face are; • • • • • • • • • • • •

IORPS II Directive Master Trusts Employee benefits Death-in-Service Annuity Traps ARF Bomb-out Inheritance Planning Business Continuity Planning Succession Planning Keyperson Insurance Shareholder Protection Risk Mitigation

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You have the problem we have the solution to future proof both your personal and business balance sheet.

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Walfrid Private’s Commitment Walfrid Private have become the preferred wealth management partner to a number of different Associations and Representative Bodies in various fields and disciplines and this happened for a number of reasons. Once we are Partners of a particular sector, we become specialists in that sector. We learn about all the specific industry issues and problems from a financial viewpoint, we correlate, we plan, we engage and we overcome. We tailer financial plans specifically to that Groups Members and we challenge each bespoke situation to find the best solution and structure for that circumstance. Therefore, our commitment to any Association we partner with is; • Long term outlooks • Long term relationships • Monthly/Quarterly webinars for members • Slow on-boarding process • Robust investment process • Sponsorship of awards and events • Dedicated Association contact • Book(s) published for that industry and distributed at our expense to members • Create long term tax efficient income streams to accerlerate financial indepence.

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Summary I have a question for you; Do you have a Financial Life Plan that provides you and your family with clarity and certainty? If not, read on... Our approach to financial planning is refreshingly different, extremely effective, and yet very simple: We listen. Most of our clients are successful entrepreneurs and senior business executives - energetic, busy people who value having a 'Trusted Advisor' relationship - a ‘co pilot’ who helps them cut through the complexity in their life and ensures their interests are protected at all times. Our track record speaks volumes; national recognition, international recognition and outstanding client testimonials. We have developed a unique strategy that we call 'FutureMap', which wraps around our REAP Wealth Management System. It is a hugely engaging, process to plan exactly what you need to do to ensure that you have complete certainty around meeting all of your personal, professional and financial goals. It is a sort of personal family blueprint, a lifestyle and financial 'roadmap' underpinned by an Advanced Investment Strategy to investing. Life is short and we all have things we want to do and that we want to achieve - our process helps pull all the 'variables' together and give you the best possible opportunity to accomplish your goals and at the same time look after those closest to you. Everyone should have their own FutureMap - contact Walfrid Private to build yours. Contact Us: Telephone: 00353 1 458 4327 Email: [email protected] Website: www.walfridprivate.ie Post: Walfrid Private Ltd, 1 Parkway House, Western Parkway Business Park, Ballymount, Dublin 12, Ireland. Eircode: D12 R5FC Walfrid Private Ltd. is regulated by the Central Bank of Ireland. The above information does not constitute financial advice. Please contact Walfrid Private or your own Qualified Financial Advisor to discuss your own personal circumstances. Walfrid Private Ltd. | All Rights Reserved Page 21

Walfrid Private Ltd. | All Rights Reserved

Walfrid Private Ltd. | All Rights Reserved

Walfrid Private Ltd, 1 Parkway House, Western Parkway Business Park, Ballymount, Dublin 12, Ireland. D12 R5FC 00353 1 458 4327 | [email protected] | www.walfridprivate.ie Walfrid Private Ltd. is regulated by the Central Bank of Ireland.