Some questions and comments I regularly hear when I speak with people for the first time are:

• Should I pay more off my mortgage or put more money into my pension?

• Am I saving enough into my pension and what will I get at retirement?

• I am self-employed, can I protect my income if I am unable to work due to illness or injury?

• I have pensions from a previous employment, can I get access to them or what can I do with them?

• I think I have mortgage cover, but I do not know what it does, can you explain it to me?

This is where our cashflow planning tool comes into effect. There is a one-time fee of €500 and it is a simple 3-step process to get you started:

1. You receive a link to a secure portal where you input your personal and financial details on the cashflow planner. This is a comprehensive budget and will take an estimated 30-60 minutes to complete.

2. Once completed, you submit the planner. We review the information provided and prepare recommendations and advice.

3. We present the results of your report along with a follow up written recommendation.

Following this, you decide what step to take next. This process is designed to give you an insight into your current financial situation and to help you focus on what is needed to obtain your retirement or savings goals. Contact us for further information or book an appointment here.

What is included in the process?

• A detailed fact-finding process carried out to help us understand your current financial situation

• Analysis of your current arrangements

• Review of your existing protection requirements and assess if further protection is required

• Specific goal planning to your requirements and personal life circumstances

• Review your retirement wants and needs and what actions are required

• Maximising tax-efficiency in the retirement planning process

• Risk profiling to assess your volatility preference to establish the best suited investment strategy for you

• Full recommendation presentation and follow up report