FAQ

A Financial Broker provides expert advice on financial products, including pensions, insurance, savings and investments. We work with you to formulate a holistic financial plan, tailoring solutions to your unique financial needs and goals, enabling you to make informed decisions.

At least once a year or after major life events like starting a family, buying a home, getting married or changing jobs.

No, we have access to a wide range of providers in the Irish insurance and investment market to offer the best solutions for you.

We are remunerated by commission from insurance providers. Our remuneration document is available on our website.

The sooner, the better. Starting early allows your pension to grow through compound interest, optimise tax efficiencies and reduce the need for higher contributions later in life.

A general guideline is 10-15% of your salary, increasing as you approach retirement.

Contributions qualify for tax relief at your marginal rate, and pension funds grow tax-free. A portion of your fund can also be accessed tax-free at retirement.

Yes, but you'll need enough savings to cover your living expenses and retirement aspirations. We assess your financial position and help you plan accordingly.

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Life insurance provides a lump sum to beneficiaries if you pass away, while income protection replaces part of your income if you're unable to work due to illness or injury.

It provides a lump sum if you are diagnosed with a serious illness, providing invaluable help covering medical costs, mortgage payments and lost income.

Your cover requirements completely depend on your circumstances, e.g. no. of dependents, salary level, financial commitments, etc. We can work through all of this with you to determine tailored solutions that meet your needs and affordability levels.

It ensures your mortgage is cleared if you pass away during the policy term, preventing a financial burden on your family.

A good rule is 15-20%, divided between short, medium and long term savings and retirement planning.

Regular savings in a long-term investment fund can build a strong education fund. We can advise on the most suitable options.

Investment options include stocks, bonds, property, and funds. We tailor strategies based on your goals and risk tolerance.

Both have benefits. Property offers rental income and potential appreciation, while funds provide diversification and liquidity. We help determine the best fit for you.

Maximizing pension contributions, using Capital Gains Tax exemptions, and structuring investments tax-efficiently can reduce your tax burden. We provide tailored guidance on inheritance tax planning and the efficient structuring of your estate.