Our Mission:

Innovative Ideas. Independent Advice. Financial Security.

Ronan McCarthy QFA, MBA – Managing Director

Ronan McCarthy QFA imageBased in Tramore, Co. Waterford Ronan McCarthy Life and Pensions Ltd provides comprehensive, innovative solutions and advice on Protection policies, Pensions and Investments to individual and corporate clients in Waterford, the South East and nationally.

No matter what your stage in life, our team can provide advice and guidance.

We call it Solid Advice and Fluid Thinking.



Family Protection

Life cover is your gift to your family.  There are many additional benefits such as critical illness cover, standalone cancer cover, personal accident cover and income protection. We are here to help guide you through the different types of policies and determine the cover that is right for you. As we are completely independent and not tied to any one company we are confident that we can provide you with the best cover at the most competitive cost. 




Everyone should consider saving for retirement, whether a homemaker or self employed, or an employee without access to a company pension scheme.  There are different types of individual pensions to suit you based on your own circumstances and needs. 

We also advice SMEs on the options available for Company Directors funding for retirement and pension options for employees, regardless of numbers, be it a Group PRSA or Group Retirement Plan.


Investments and Savings

Investing is a very personal matter and is entirely unique to each individual’s circumstances. Understanding why you are investing, your goals and attitude to risk allows us to make recommendations and structure investments that are suitable for you and in line with your overall investment mandate. . We also facilitate Trading only or Share Dealing accounts.