Pulifaa was set up in 2023 to address a straightforward problem: most people have a general sense of their finances, but very few have a structured plan that reflects how they actually live. We work with individuals who want to change that - not by following a template, but by building something specific to their situation.
Our work happens remotely, which means you get access to advisors who understand Donegal's local economy - seasonal income patterns, rural cost structures, regional grant availability - without needing to travel or rearrange your schedule.
Each advisor at Pulifaa handles a specific area of personal finance - income planning, debt structuring, savings allocation, or irregular expense management. You work with whoever fits your situation, not whoever happens to be available.
We keep the team small deliberately. Fewer clients per advisor means more time spent actually understanding your numbers, not just reviewing a spreadsheet you filled in yourself.
Ciarán works primarily with clients who have variable or seasonal income - a common pattern across Donegal. He focuses on building budget structures that hold up during quiet months, not just when income is steady.
Tomás handles cases where existing debt is making it difficult to plan ahead. He maps out repayment timelines alongside savings goals, so clients aren't choosing between one or the other.
Most clients arrive with a rough idea of what they earn and spend. The first session is about filling in the gaps - irregular costs, subscriptions that have crept up, income that varies month to month. We don't ask you to estimate; we work through real figures together.
The draft budget isn't a fixed document. It goes through at least one revision session where you can flag anything that doesn't fit how you actually live. A budget that ignores your habits won't last past the first month.
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