James Brooks is the founder of Kaitel. An investment analyst turned founder, he works directly with practising Irish advice firms on the paperwork around the client meeting: fact finds, file notes, suitability letters and follow-ups.
What an Irish statement of suitability has to contain under the Central Bank's rules in force since 24 March 2026, a six-part structure to follow, and how it links back to the fact find and the file behind it.
Who in a small advice practice holds a controlled function, what the firm has to certify and keep, and when. We set out the Central Bank's own wording with its dates, and mark which of the 2025 and 2026 changes touch an adviser at all.
The minimum competency code asks four things of a firm and its advisers: qualification, CPD, record keeping and firm responsibility. We go through each duty, with the Central Bank's wording and dates, and what a small practice needs on file to show it was met.
Which minimum competency code is in force, who it covers, and what the Central Bank found when it looked at firms in 2024. Then a plain list, our reading and not a regulator's checklist, of the records a small Irish practice should be able to put in front of the Central Bank.
We’re opening Kaitel to a small group of Irish advice practices who want a say in what it becomes. Early access, direct influence on what we build next, and preferential terms when we launch.
We review each practice for fit and come back to you personally.