13 Burgess Court,
Kells, Co. Kilkenny
Mon - Fri: 9:00 - 17:00
Sat & Sun closed

Resolving your Financial Challenges

Impartial Financial Review

If a cup of coffee and wise counsel sounds ok to you then read on, we offer a complimentary second opinion service allowing us to review your current circumstances and provide some helpful pointers. No obligation on either party.

We are here to help, our service is focused on resolving the financial challenges faced by busy individuals, business owners, professional & executives

We do your heavy lifting so that you can get on with doing what you do best.

That’s what we can do for you, by only working with a small list of personal clients enables us to deliver the service & attention you deserve.

Feel free to get in contact with us, click here.

FAQ’s

    1. WHAT IS A FINANCIAL ADVISOR

Firstly, a Financial advisor or financial broker will take time to get to know you, your personal circumstances and your financial goals. They will discuss your options and help you come up with a financial plan. Secondly, they will research products that match your needs from the range of companies they deal with, providing a “fair analysis” of the relevant market.

    1. HOW MUCH DO FINANCIAL ADVISORS COST TO HIRE?

We work on the basis that the first consultant is at our cost, so no charge to you, at this consultation payment options, will be discussed depending on the service you require. Generally, Financial advisors get paid commission from the product providers and there is no extra charge by the product provider.

    1. WHAT DOES A REALISTIC FINANCAL BUDGET LOOK LIKE?

Building a budget or planning your finances is scary. It’s a real moment of honesty—especially when you take the time to sort through your past spending. But do it.
Try work to the rule of 50/20/30.
50% of your money goes to necessary expenses (rent, utilities, car payment),
20% to savings,
and 30 % to flexible spending (groceries, drinks and bites out).

    1. HOW MUCH DEBT IS TOO MUCH DEBT?

It depends. Student loans are one thing, credit card debt is another. When it comes to credit, keep your usage to 30% of income or less. For your debt in general (including car loans, house loans, personal loans), the target number is 20% or less.

Still not sure? Ask yourself these questions to gauge:

      • Are you only make the minimum on your payments?
      • Are you skipping certain bills to pay off others?
      • Are your cards maxed out? Are you living paycheck to paycheck?
    1. HOW SOON DO I NEED TO START SAVING FOR RETIREMENT?

As soon as you can. Pensions are future spending pots and the government help you save, with lots of tax benefits, for your Financial Freedom and your future. If you put €100 into a Pension you get a tax refund or tax relief of €40 (for higher rate tax payer, €20 for lower rate tax payer). Pensions grow tax free and have attractive tax benefits at retirement.

    1. HOW MUCH MONEY SHOULD I HAVE IN AN “EMERGENCY FUND”?

Three to six months of after tax income seems to be the consensus in financial circles. Six months is the ideal, but given that most of us don’t have any emergency savings, you’re ahead of the curve if you make it half that far.