We recently spoke to a client about estate planning. Our client responded that they didn’t plan on having anything left by the time they die. When we questioned how they knew when they were going to die there was an awkward silence. The reality of it is, we all like to think of our death […]
Sometimes, when speaking to clients it is evident that not everyone completely understands what income protection is. Of course, we always recommend speaking to your financial adviser when trying to decide if a financial product is suitable for you or not. We will give a brief overview all about income protection here. What income protection […]
One of our clients, a limited company, had a lot of capital on deposit in 2019. After much consideration and discussions with them, they agreed to invest a portion of this capital into a product suitable for them. In June 2019, this company invested €100,000. In July 2021, this investment was valued at €120,633 gross […]
We could nearly apply all three pieces of advice here to every client that walks through the door. The problem is, nobody wants to hear it! 1. You are not saving enough money We can always save more, the problem is we fill our lives with wants and we struggle to cut down on these […]
It all comes down to good financial habits. If you have poor spending and savings habits, the likelihood of you reaching your financial goals diminish. So what habits should you adopt in order to give yourself the best chance? Think long term, as well as short term When thinking about what you want, avoid the […]
We are seeing a huge increase in clients who have never strayed from deposits previously, looking for an alternative. This is largely due to the little to no return being offered by banks on savings accounts. We have been discussing alternatives with our clients for the past few years. However, it is only within the […]
What is your biggest asset? Your income is by far your biggest asset. Without your income, you stand to put your lifestyle, mortgage repayments, holidays, etc., at risk. Income protection is not an insurance that many people have in place. This is despite the fact that income protection might be the most important insurance we […]
If you have children under 16 (or under 18 in full time education or training), you will be in receipt of Child Benefit. For one child, you will receive €140 per month, for two children €280 per month, for three children €420 per month etc. For more information on the specifics of Child Benefit, you […]
We all know how to look after our physical wellbeing, but have you considered your financial wellbeing? How do you determine your overall financial wellness? Debt Accrual First you must look at your level of debt. Are you constantly relying on overdrafts and credit cards for day to day life? This may be a red […]
We are now one month into the new year, are you all keeping up with your New Years Resolutions? Or maybe you haven’t made any? Now could be a good time to make one. Today I am going to talk about habits, and how much these habits cost us. These habits could be anything like […]
