Trusted Financial advice
Work with a local Qualified Financial Advisor to identify and achieve your financial goals.
Assess your current financial situation.
Grow, Protect and transfer your business assets
We advise on products and services that can help businesses and their owners plan for their future. If you haven’t a business protection plan in place, talk to us today. We will look at your current situation and talk you through the available options. With this information to hand you can then decide what action you need to take.
Clear Concise Professional Advice
We will take time to get to know you, your personal circumstances and your financial goals. We will discuss your options and help you come up with a financial plan. Secondly, we will research products that match your needs from the range of companies we deal with, providing a “fair analysis” of the relevant market.
Cork based financial broker
A Trusted Advisor for over 30 years
Flexible personal service
Our processes are fully digitised which means you can choose to meet with us remotely or in-person. Since Covid a lot of our clients have embraced remote working arrangements and are comfortable discussing their financial plans by video link e.g. Zoom. This allows our clients to arrange their financial review meetings at a time that suits them and with a minimum level of intrusion into their home or working life.
Of course since the easing of Covid restrictions we are free to meet in person again and this remains the most popular option for many clients. Why not contact us to discuss your requirements by arranging a callback. Once we receive your request we will give you a quick phone or video call to find out if the services we provide are the services you require.
why choose us
The Competition Authority found that demand for financial advice was more price sensitive in the broker market than through direct channels. With 1,200 Financial Brokers in Ireland, the six domestic life companies are much more competitive with regard to price, product design, investment performance and service than they would be if they dealt with advisers who are tied only to them.
Real world examples of our work
Case Studies
Lack of regular reviews or even courtesy calls from his bank/pension advisors, found the client attempting to manage the underlying funds himself when witnessing market volatility in March and April 2020 - around the start of the Covid-19 pandemic. The client switched to a low-risk cash fund once he saw his fund values fall in April 2020 (Covid). This move effectively locked in his losses. We reviewed and consolidated his various pension funds and following the completion of an Investment Risk Questionnaire moved the funds into a more appropriate portfolio. The funds have since recovered all of the losses incurred and the client has a greater understanding of his retirement plans and funding the level required to achieve his goal of retiring at age 60.
This client had quite a few paid up pension plans from PAYE employments prior to starting his own business in 2015. We traced all of the pension funds, including a UK fund and transferred them into a number of Personal Retirement Bonds (PRB) as the clients may require access to some of these funds from age 50 onwards to liquidate debt. We also established a company pension plan and established the funding level required by the client to maximise his pension and tax-free lump sum options. In addition we have arranged his life insurance through a pension Term Assurance plan to take advantage of additional tax relief and we protected 75% of his income using an Executive Income Protection which is also tax deductible.
The client was somewhat strapped for cash and was unable to meet the cost of legal advice to obtain a divorce following the breakdown of her marriage. We established that she had preserved benefits in an occupational pension scheme. We transferred these benefits into an Approved Minimum Retirement Fund (AMRF) and drew down 25% of the fund tax-free. The client used this money to pay her legal fees and is now happily divorced
