Financial Advice 

Financial advice given by a professional, authorised financial advisor will help you make decisions about products and actions that will impact your life for years to come. In most cases, a financial advisor will save you money. It’s the crucial first step in taking control over your financial life.

WHAT COULD BE IN YOUR FINANCIAL PLAN

Path to property ownership

income to wealth ideas

SavING STRATEGIES & annual budget

RETIREMENT PLANNING

Financial Advice is a great way of clearly laying out your financial goals for the current and future years. It will give you a roadmap and guide to follow and support you when you get stuck.

Our financial plans are custom made for each individual or couple. We take your short, medium and longterm goals and create a financial plan that will help you meet them.

Some of the common questions we get for our financial plans are:  

  • How should I save, or invest my money?
  • What are my mortgage options?
  • We’re getting married, let’s look at our finances.
  • Looking after and planning for my retirement.
  • Planning your long-term saving and budgeting

They are sometimes known as a ‘Multi-agency Intermediary’, (read more at the CCPC). For mortgages, insurance products, investments and pensions, make sure that your advisor is authorised by Central Bank.

“By failing to prepare, you are preparing to fail.” Benjamin Franklin

When Should You Get Financial Advice?

When you have a big decision to make, or your life is changing, there’s a lot of information for you to look at before you can make that change.

  • Should you save, or invest your money?
  • What are your mortgage options?
  • Which insurance is right for you?
  • Big life changes, like weddings and starting a family
  • Looking after and planning for your retirement
  • Planning your long-term saving and budgeting
Who Needs Financial Advice?

Everyone. Whether you’re sorting out your Mortgage Protection at the last minute, or you want a full review of your current situation, being able to ask an impartial expert makes a difference.

How Does Financial Advice Work?

When two options look extremely similar, financial advice you can trust will allow you to make the best decision for yourself.

Emma needs life insurance. She’s gotten three quotes, and they all cost roughly the same. How does she choose? She’s tempted to go for the cheapest, because it’s hard to know what the difference is.

This is where financial advice helps.

Emma’s financial advisor knows all these products well, and asks her a few extra questions. Her financial advisor is able to tell her the difference between those insurance policies, and how they affect her.

The choice is still completely up to Emma, and she decides to go for the second cheapest policy, because it gives a funeral payment. Her father died two years ago, and her mother had to take out a credit union loan for the funeral costs. Emma doesn’t want her family to go through that, and the difference in price was minimal.

Being asked a couple of extra questions allowed Emma’s advisor to understand her situation better. Now Emma has a policy that fits her circumstances, due to the financial advice she received.

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