Gerard is an award-winning Qualified Financial Adviser. Having worked in the industry since 1992, Gerard has gained experience in all areas of financial planning.
In 2010, Gerard set up Pension Freedom. He did so out of frustration. Frustration with the Financial Industry and its focus on sales to the detriment of their clients.

Gerard reminds us that life is not a rehearsal. Consequently, he wants his clients to receive advice and service without the pressure to buy products or to amend existing policies, for Gerard to receive payment.

Gerard is a leading adviser in Pensions and Investments. Life can be too short. Focusing on saving for retirement, to the detriment of life today, can be a mistake. There has to be a balance.

In 2013, Gerard was chosen for an Irish Pensions award. The first-ever awarded to an Independent Financial Adviser. The judges remarked that Gerard delivers exceptional service to his clients while displaying a true understanding of all their needs.

Gerard has retired many times with his clients. He has seen the good, the bad and the ugly. He believes that money, while important, is just a tool to allow his clients to achieve their dreams. Retirement planning is more about your dreams then it is about your finances. A successful retirement happens when you retire to something, not from something.

David began his career in Finance in 2007 and has gained experience and knowledge across multiple areas of retail banking and as a Financial Advisor.
He began in retail banking, progressing to retail deposits before making the move as a Portfolio Manager for defaulted loan accounts for both personal and business customers, gaining valuable insight into complex financial situations and client support during challenging circumstances.
In 2012, David joined KBC Bank as a Mortgage Arrears Restructuring Advisor. Working through difficult economic conditions gave him first-hand experience of the pressures facing borrowers which further strengthened his commitment to delivering practical, solutions-focused advice.
Believing he could make a greater impact by offering advice truly aligned with clients’ best interests, he moved into a Financial Advisor role. He initially worked as a tied agent with New Ireland Assurance, where he observed that much of the industry emphasis was placed on sales and commission structures — sometimes at the expense of fully independent advice. Motivated by a desire to provide transparent, client-first financial planning, David joined award-winning Financial Advisor Gerard Keogh at Pension Freedom, where the focus is on independent, ethical, and tailored financial guidance.