Irish Medical Organisation

IMO Financial Services Staff

IMO Financial Services Staff

Nives Paic

General Manager

Nives, a Qualified Financial Adviser, has over 25 years’ experience in the financial services sector and has been with IMO Financial Services since 2014. She is responsible for the strategic and operational development of IMO FS with a view to delivering profitable growth for the business while providing a cost-effective and professional advisory service to clients. Nives has particular expertise in people and change management as well as implementing operational processes taking into consideration regulatory requirements.

Francis McGrath

Sales and Business Development Manager

Francis is a Qualified Financial Adviser, Retirement Planning Adviser as well as Special Investment Adviser. He has 20 years’ experience in the financial services sector and dealt with self-employed individuals as well as private and public sector employees. In the public sector he advised members of various unions focusing on personal financial planning for pension, retirement, investment opportunities and income protection.

Francis will be mainly looking after IMO members located in Dublin and surrounding counties.

Pat Donnelly

Senior Qualified Financial Adviser

Pat has been a Qualified Financial Adviser since 1991 and holds specialist qualifications in both Retirement Planning and Asset Management. He is an active member of both the Institute of Bankers and Life Assurance Association. Prior to joining IMO Financial Services in 2016, Pat held various senior wealth management positions in both the banking and accounting/tax consulting industries. Based in Dungarvan, Co Waterford, Pat is our senior financial adviser looking after IMO members in the southern regions.

Phillip Carroll

Qualified Financial Adviser

Philip is a Qualified Financial Adviser as well as Retirement Planning Adviser. He has been working in the financial services industry since 2007 dealing with all aspects of life, critical illness, income protection and pensions.

Philip is our dedicated Group Scheme Specialist covering hospitals nationwide. He will help hospital employed doctors understand their new sick pay rules and how the IMO group schemes protect their income in all eventualities.

He also manages the mortgage business on behalf of IMOFS for our members

Padraig Scarry

Qualified Financial Adviser


Padraig is a Qualified Financial Adviser since 2003 and also holds the  Retirement Planning Adviser (RPA) Qualification. Padraig  has over 30 years’ experience in the financial services industry. Before joining IMO Financial Services, he worked for over 25 years in the banking sector as a wealth management consultant. 

Padraig has vast experience in personal financial planning. He is also a member of the Institute of Bankers. Living in Galway, Padraig will mainly service IMO members in the west and northern areas.

Audrey O'Connor

Financial Officer & Group Scheme Administrator

Audrey is a Qualified CPA and is an Accredited Product Adviser (APA) Life & Pension, she has worked with IMO FS since 2004.

She works on all aspects of financial accounts for IMO Financial Services as well as administering the five IMO Group Schemes.

Deirdre Meagher

Compliance Officer


Deirdre is a Qualified Financial Adviser (QFA) and is a member of the Institute of Bankers.

Deirdre is also a Licentiate of the Compliance Institute (LCI) and holds The Professional Diploma in Compliance (PDC).

Deirdre has over 25 years’ experience in the financial services sector. In the last number of years, Deirdre has worked in supporting Compliance Management and leading staff training in the compliance requirements relating Insurance, Investments and Banking Sectors.

Before joining IMO Financial Services, she held various senior positions in Life Assurance, Banking, and Insurance Broker industries.

Carol O’Sullivan

Team Leader

Carol has more than 25 years’ experience in the financial services industry, in individual pensions, life, investments and group risk administration as well as compliance.  She is an Accredited Product Adviser and has previously worked with Irish Pensions Trust and JLT Private Wealth.

Carol oversees and supervises the administration section for the processing of new and existing business.  Carol also provides guidance and technical support required to process various life & pension claims via key life offices in Dublin.

Avril Mullen


Avril joined the team in 2019. She has over 10 years’ experience working in administration and financial services. Most of her experience is in pensions and self-directed investments. She is an Accredited Product Adviser and has previously worked with JLT Private Wealth.

She is supporting the team in her role as Life & Pensions Administrator.

Cathal Manning


Cathal joined the IMO Financial Services team in April 2022.  Cathal has recently obtained the Qualified Financial Adviser (QFA) designation and is a member of the LIA. He has experience in administration and financial services working with unions and both private as well as public sector individuals. Cathal is supporting the administration team with mortgage, life, pension, and investment products.

Adam O'Carroll

Junior Administrator

Adam joined IMO Financial Services in 2022 as an apprentice under the LIA Apprenticeship Scheme.  He is an accredited product advisor (APA)  in Life Assurance and Loans. Following completion of the scheme apprentice achieve a BA honours degree awarded from ATU - Atlantic Technological University, Sligo that incorporates the full QFA.


IMO Financial Services Directors

Dr Ray Walley (Chairman)

Dr Brian O'Doherty

James Brophy

Willie Holmes

Mary Hutch

Susan Clyne (Company Secretary)

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