Wave 1 employees buy 1–2 products. Wave 2 SME directors buy a full bundle. Change any number — everything updates instantly.
AskPaul Year 5 revenue
—
MMS Year 5 share (15%)
—
Cumulative clients by Y5
—
Blended rev / client
—
⚠
Section 1
Users, funnel & partnership
Set active users per year, funnel rates, and rev-share. Everything cascades from here.
Wave 1 launch
Paul + tech scale
Wave 2 SME launch
SME + Wave 3 start
Colleges, LEOs, national
%
% of net new users per year who request a consultation. Existing users already in the funnel not recounted.
%
Pre-educated MMS leads convert at a higher rate than cold leads.
%
MMS % of all AskPaul commissions generated via MMS leads.
€
The goal the model tracks against — gap shown if not reached.
%
% of active clients and AUM lost each year. Applied to all renewal and trail income.
Section 2
Client profiles — Wave 1 vs Wave 2
Wave 2 SME directors buy a full bundle worth ~4× a Wave 1 employee client.
Wave 1 — Employed / Consumer
Employee profile
Aged 25–40. Pension and life cover are core. Smaller deals, high volume.
—
avg initial commission per client
€
€
€
%
€
%
Wave 2 — SME / Self-Employed
Director / sole trader profile
Business owner buying a full bundle — exec PRSA, key person cover, IP, investments, mortgage.
—
avg initial commission per client
€
€
€
€
€
%
Wave mix per year
% of new clients who are Wave 2 (SME)
Y1 = 0% (consumer only). Grows as the SME module launches in Y2–Y3.
Y1: %Y2: %Y3: %Y4: %Y5: %
Section 3
Commission rates
Verified Irish market rates — conservative end of each range. Edit any rate.
Section 4
5-year summary
Why we're confident in these numbers
Every commission rate in this model is set at the floor of the verified Irish market range — life assurance initial is modelled at 100% where the market pays 130–150%, investment trail at 0.25% where 0.5%+ is standard. MMS leads arrive at AskPaul pre-educated, with a pension gap already calculated and a consultation already requested — which justifies the 30% lead-to-client conversion rate versus the 20–25% industry average for cold leads. The most powerful dynamic in the model is that trail income compounds automatically every year: by Year 5, — of AskPaul's annual revenue is recurring trail that grows without a single new client. And as Wave 2 SME clients come on board — each worth — the initial commission of a Wave 1 employee — even modest penetration through Revolut Business, LEO workshops, and Paul's own SME content materially accelerates the trajectory.
Section 5
Revenue & client charts
All charts update live as you edit any assumption.
Annual revenue — upfront commissions vs recurring trail
Gold = initial commissions each year. Green = compounding trail & renewals. Watch green grow as the client book builds.
Client pipeline
Net new leads generated, new clients converted, and cumulative client book.
Trail income snowball — cumulative AUM
Pension & investment assets compounding year on year (left axis). Dotted line = annual trail income earned (right axis).
Revenue per client — Wave 1 vs Wave 2
Initial commission earned per single client. SME directors generate significantly more revenue per client.
Scenario: What if Wave 2 (SME) never materialises?
Full model revenue vs Wave 1 employee clients only. Wave 2 currently drives — of Year 5 revenue.
Customer lifetime value
LTV per client
Upfront commission + trail + renewals over the average client lifetime (1 ÷ churn rate).
Avg client lifetime
—
= 1 ÷ churn rate
Blended LTV
—
Across W1 + W2 mix
Wave 1 LTV — Employee
—
Pension + life + mortgage
Wave 2 LTV — SME Director
—
Full product bundle
Section 6
Year-by-year breakdown
Select a year to see clients, commissions by product, and MMS revenue share.
Product
W1 clients
W2 clients
Net new commission
Recurring / trail
Total this year
MMS share
MMS Direct Revenue
App subscriptions & sponsorships
Two additional MMS revenue streams independent of the AskPaul rev-share.
MMS is not solely dependent on AskPaul
💙 AskPaul rev-share 15% of all advisory commissions generated via MMS leads. The primary revenue engine — grows as the AskPaul client book compounds.
📲 App subscriptions Users who don't convert to AskPaul clients within 12 months are offered a paid tier at €9.99/mo — budgeting tools, AI coach, tax tracker. These are power users who value the app independently of advice.
🤝 Sponsorships & affiliates Non-competitive category partners — savings accounts (Raisin, Trade Republic), investing platforms (Trading 212), business banking (Revolut Business). Upfront brand visibility fee plus affiliate revenue per referral.
The sponsorship model is designed so that partners are never competitive with AskPaul. Savings accounts, investment platforms, and business banking tools sit alongside — not instead of — financial advice.
App subscriptions
%
Users who don't convert to AskPaul but pay for premium app access.
€/mo
Sponsorships — Year 1
€
Anchor sponsor launch. e.g. Trade Republic, Raisin, Revolut Savings.
Paying subscribers and annual subscription revenue
Sponsorship — brand vs affiliate split
Upfront brand fee (gold) vs affiliate/performance revenue (blue)
MMS cumulative revenue
Running total across all three income streams
Methodology & sources
Where every rate comes from
All rates are set at the conservative end of their verified Irish market range.
Pensions / PRSAs
Initial: 3% of first year annual premium. Verified range 3–7% — we use the floor. Source: Irish Times citing Central Bank data; OneQuote.ie (CBI reg. 459006)
Trail: 0.5% of fund annually. Standard verified Irish rate. Source: OneQuote Financial Brokers
Life Assurance / Protection
Initial: 100% of Year 1 premium. Market rate is 130–150% — we use 100%, conservative. Source: lifeinsurance.ie; mortgages.ie
Renewal: 3% from Year 2. Verified Irish market rate. Source: mortgages.ie commission disclosure
Income Protection
Initial: 100% of Year 1 premium. Wave 2 SME clients only. Source: lion.ie (QFA Nick McGowan)
Renewal: 3% from Year 2. Conservative. Source: mortgages.ie; Irish Insurance documentation
Investments / Wealth
Initial: 2.5% of lump sum. Market range 3.5–5% — we use 2.5%. Source: Irish Times (Oct 2025)
Trail: 0.25% of AUM. Broker's verified share of the ~1% total trail. Source: Irish Times (Oct 2025); BCA Life & Pensions CP116
Mortgages
Broker fee: 0.5% of loan, one-time. Verified range up to 1%. Source: McGuire Financial (CBI regulated)
Overall approach
Every rate is at the conservative end of its verified range. Actual AskPaul revenues should meet or exceed these projections if the pipeline delivers.
All sources publicly available. CBI-regulated firms only. Figures correct as of 2025.