The Hidden Cost of Inefficient Processes: How Time Loss Impacts Profit

In many Irish SMEs, inefficiency is not obvious. There is no single event or large expense that signals a problem. Instead, it develops gradually through small delays, repeated tasks and inconsistent processes. Over time, these inefficiencies translate into lost time, reduced productivity and ultimately, lower profitability. Time is one of the most valuable resources in […]

Understanding Your Break-Even Point: A Key Metric Too Many SMEs Ignore

Many Irish SMEs focus heavily on revenue, growth and profitability. While these are important, there is one metric that is often overlooked yet fundamentally important to financial stability, the break-even point. The break-even point is the level of sales required to cover all costs, both fixed and variable. At this point, the business is not […]

The Hidden Cost of Poor Pricing: Why Many Irish SMEs Undervalue Their Work

Many Irish SMEs believe pricing is a commercial decision driven by competition. In reality, it is one of the most important financial decisions a business makes. Pricing determines not only revenue, but also profitability, cash flow and long-term sustainability. The issue is that many businesses consistently undervalue their work. This does not always happen deliberately. […]

Preparing Your Company for Due Diligence: An Exit Readiness Guide

For many Irish SME owners, due diligence is seen as the final step before a sale completes. In reality, it is the stage where deals are tested, reshaped and, in some cases, abandoned altogether. Buyers do not carry out due diligence to confirm what they have been told. They use it to verify, challenge and […]

Earn Outs and Deferred Consideration: Structuring a Smart Business Sale

Earn outs and deferred consideration are often presented as solutions to valuation gaps. In practice, they are compromises. They allow deals to proceed where buyer and seller expectations do not fully align. Understanding the implications is critical. An earn out links part of the sale price to future performance. This can be attractive where there […]

Family Business Succession: Managing Conflict and Protecting Value

Family businesses often carry strengths that other businesses do not. Strong relationships, long-term thinking and a shared sense of purpose can create resilience and stability. However, these same factors can introduce complexity when it comes to succession. The challenge is not simply transferring ownership. It is managing expectations, relationships and control. One of the most […]

When Shareholders Fall Out: Legal and Financial Risks for SMEs

Shareholder disputes rarely begin with major disagreements. More often, they develop gradually through misalignment, unclear expectations and poor communication. By the time the issue becomes visible, the damage is often already underway. For Irish SMEs, the impact can be significant. The immediate effect is usually operational. Decision making slows or stops. Strategic initiatives are delayed. […]

The Tax Implications of Selling Shares in an Irish Company

For many Irish business owners, selling shares in their company is the moment where years of work are finally realised financially. Yet it is also one of the most misunderstood stages of the business lifecycle. The focus is often placed on achieving the highest possible price, but in practice, what matters is the amount retained […]

Selling to a Third Party vs Management Buyout: Key Considerations

When planning an exit, Irish business owners are often faced with a fundamental decision: sell to an external buyer or pursue a management buyout. Both routes can deliver value, but they differ significantly in structure, risk and outcome. A third-party sale typically involves selling to a trade buyer or investor. This route can maximise price, […]

Resolving Shareholder Deadlock: Practical Options for SME Directors

Shareholder deadlock is a common risk in Irish SMEs, particularly where ownership is evenly split or decision making requires unanimous agreement. What often begins as a difference of opinion can quickly escalate into a situation where the business cannot move forward. In 2026, with increased pressure on performance and governance, resolving deadlock efficiently is critical […]

Mernie joined Money Sense as a Director in 2008 and works in the area of administration and compliance.

Mernie is an Economics and French graduate from UCC.

Mernie also has a postgraduate diploma in Computing and has previously worked in the IT industry for a number of years.

Mernie’s IT experience and business acumen are invaluable in organising and managing the office and maintaining strict compliance requirements.

Mobile: 087 8364150

John is a Qualified Financial Advisor (QFA) who has over 40 years of experience working in the Financial Services Industry.

Having previously worked in the Banking Sector for 28 years, John has acquired significant knowledge and experience in all areas of financial planning and advice.

Establishing Money Sense Financial Services has enabled John to use his extensive experience in providing impartial and sound judgement in the pursuit of better Client solutions in the open marketplace.

John is extremely passionate and committed to his work and prides himself on a positive ‘can do’ attitude. He is very dependable and will do everything in his power to assist customers achieve their financial goals.

In his spare time, John is a staunch GAA enthusiast, being currently involved with Dr. Crokes GAA Club as Manager of their Senior Hurling Team.

Originally from Newtownshandrum, John is a proud Cork man but has settled well in his adopted County and is doing everything in his power to promote the small ball game in Kerry.

John is also a member of Killarney Golf Club with a respectable handicap. John gives 100% in every project he undertakes and exudes positive energy and enthusiasm which can be infectious.