Welcome To Dempsey Financial Solutions
Dempsey Financial Solutions is based in Oranmore Galway, Ireland, and is led by founder Padraic Dempsey, who brings over 25 years of experience in banking, financial planning, and debt restructuring.
Padraic established the Galway office of Financial Engineering under the Independent Trustee Group in 2006 and later in 2008 founded Dempsey Financial Solution, specialising in advising clients on corporate structures and the strategic use of self-administered pension vehicles to build, protect, and efficiently manage wealth.
Rory Dempsey now heads up the financial planning side of the business. At our core, we are financial planners — with wealth management built around the plans we create. We believe that a concrete financial plan, supported by the right structures, tools, and investment strategies, is the most effective way for clients to achieve financial freedom and realise their long-term goals.
Financial Questions Explained
Your Pension, How Much Is Enough?
For some people €300k is more than enough, for others €1m simply is not enough. Everyone has different aspirations aspirations for retirement we all need to run the numbers for ourselves. Fill in the short fact, find and let’s see what your number is?
Family Security, Will my family be ok should something happen to me?
A family plan is like identifying the risks to your family Financial Freedom and taking steps to ensure that their future is secured no matter what happens to you.
Protection policies are the safety net of any financial plan – they ensure that income, family, and assets are safeguarded if life takes an unexpected turn. Without them, even the best-laid financial plans can quickly unravel.
How can I be financially free?
When the income generated from your debt free assets can recreate your lifestyle without the necessity to work, then you are financially free. If you are still on that journey then the best tool to help you reach your target is to invest through a self administered pension fund where all income is tax free and no CGT tax is payable.
We use an array of tools such as self-admnistered pensions, EIIS investing, and implementation of tax efficiencies to help you achieve financial freedom.
Am I saving enough for my retirement?
The answer is probably not! Let us run the numbers and put a bespoke plan together for you. Its a lot quicker and simpler than you might think.
OUR INVESTMENTS
Low Risk, Steady Return; Primary Care Centres
At Dempsey Financial, one of our core areas of focus is raising capital for asset-backed investments that deliver reliable, long-term returns for our clients. A prime example is our work on the development of Primary Care Centres, such as the Moycullen project.
These projects are structured using a combination of client loan notes and senior bank debt, which together fund the construction and completion of the centres. What makes them particularly attractive is their stability: each centre is let on a 25-year lease to the HSE, effectively making them the gold standard in asset-backed investing.
With the security of a government-backed tenant and steady income streams, Primary Care Centre investments provide investors with a low-risk, slow-and-steady return — the kind of opportunity that stands out in today’s low-interest rate environment.
Steady 5% - 6% Return; Corrib Business Park
For over 12 years, Dempsey Financial has been managing and developing Corrib Business Park, a major retail and commercial hub located along the N59 in County Galway. The park is anchored by established truck centres and retail tenants, offering investors a steady 5–6% return over the long term.
In our most recent raise, we refinanced the park entirely with investor capital, removing bank debt altogether. Investors came in as senior lenders with first charge security on the property, giving them direct access to a secure, asset-backed return.
As part of our active management strategy, we have enhanced the tenant mix and improved the site. Heavy machinery operators were replaced with more community-focused and leisure-based tenants, including a paddle centre with a plan to install a gym with sauna and recovery facilities. These improvements have strengthened the long-term sustainability of the park and broadened its appeal.
Attractive Income Streams; OranTown Centre
Dempsey Financial facilitated the purchase of OranTown Centre, a thriving shopping destination in Oranmore, County Galway, through senior investor loan financing. Over the past decade, the centre has proven to be a standout performer for our clients.
Rental income has grown by over 30% in the last 10 years and continues on a strong upward trajectory, driven by demand from both national and local tenants. This has provided our equity investors with very strong returns, underpinned by the security of a well-located, established retail asset.
At Dempsey Financial, we are proud to have delivered this opportunity to our clients and to continue actively managing investments like OranTown Centre that combine stability, growth, and attractive income streams.
Introducing Financial Planning
We Can Help Anyone With Their Financial Plan…
We can help everyone to create a Financial Plan and become more tax efficient through the use of our bespoke Voyant Financial Software.
Many of our clients tend to come from the medical professions or are SME owners as they have more flexibility in their planning options.
TESTIMONIALS
Financial Planning For Life