Life Insurance – Where a person has dependents it is imperative that a plan is in place to provide financially in the event of bereavement. We can provide you with a free assessment to explain what (if anything) your family are entitled to from the state or from your ...CLICK TO READ MORE employer in the event of bereavement. We can then calculate your life insurance needs to ascertain whether you are either under or over insured. We can also assess your current plans to explain what you are covered for and to see if your policy(s) are appropriate and cost competitive. There are many different types of Life Insurance including Level Term, Mortgage Protection, Whole of Life, Pension Term and Life Insurance plans which are specifically designed to cover inheritance tax (section 72). We can identify for you, which is the most suitable for your or your family’s needs.

Specified Illness Cover – Financial hardship as a result of serious illness is unfortunately more common than ever. Making sure that you are protected financially in the event of a serious illness is a prudent financial decision. Specified illness cover can provide you with t ...CLICK TO READ MORE he peace of mind of knowing that in the event of a serious illness you will not have to struggle financially. If you wish to discuss how to protect yourself in the event of a serious illness please feel free to call us and we will be more than happy to assess your needs and to go through your options with you.

Income Protection – Loss of income as a result of an accident or physical or mental illness can have a devastating impact on an individuals or indeed a family’s financial well being. As such we strongly believe that protecting your income has now become a necessity in ...CLICK TO READ MORE most financial plans. Income protection is a very comprehensive type of protection as it will cover you for up to 75% of your pre disability income in the event that you cannot continue to work due to an accident or illness. Again we can explain to you what (if any) your entitlements are from the state or your employer in the event that you were unable to work. We can then ascertain whether or not you or your family could cope financially if you were unable to work due to an accident or an illness. Income Protection has the added benefit of allowing you to offset the cost of your cover against income tax at your marginal rate.

Savings and Investments – Whether you wish to save short term for a family holiday or long term for your children’s education we can provide you with the most suitable options based on your specific needs. Alternatively you may have worked hard to build up a savings pot but ...CLICK TO READ MORE you are worried that you may not be saving it in the right place. We can identify for you (based on your time fame, risk profile and the return you require) whether you are making the right investment decisions. We can also assess your savings to ensure they are properly diversified (making sure all of your eggs are not in the one basket). This we believe is a fundamental part of any good savings or investment plan.

Retirement Planning – Thankfully life expectancy in Ireland has seen a rapid and unprecedented increase in the last 10 years (on average 80.5 years and rising). However the downside of this positive statistic is that the age at which the state pension is paid is rising as ...CLICK TO READ MORE well. By 2021 people will not qualify for the state pension until they reach the age of 67 and by 2028 that will have risen to 68. The maximum rate of State Pension is currently a paltry €230.30 per week and this is unfortunately what most retirees have to look forward to after a lifetime of hard work. Thankfully there are a number of tax efficient options for hardworking people in Ireland to save for a comfortable retirement. Whether you work in the public sector and would like us to explain the benefits of your superannuation scheme or you work in the private sector and would like to identify the most appropriate type of pension for your particular needs, we will be happy to help.

Budgeting – we can assist you with making a budget. There are numerous advantages to having a budget. It gives you peace of mind with your finances and can also help you to avoid debt, prepare for emergencies and save money. ...CLICK TO READ MORE

Health Insurance Tips – while we do not sell Health Insurance we can show you how to review your health insurance to ensure you are getting value for money. We can also explain to you what your current policy covers you for. Health Insurance as you are probably aware is qui ...CLICK TO READ MORE te topical as the cost of it is becoming an ever increasing burden on most family’s finances.

Inheritance Planning Advice – we encourage everyone we meet to make a will. We can give you advice as to why it is important and the advantages of having one. €280,000,000 was paid in Capital Acquisitions Tax in 2012 alone so it is important to make a tax efficient inheritance ...CLICK TO READ MORE plan.