Have us Review your current Life Assurance plans now! It's simple:
Upload your current policy details or a copy of your most recent Benefit Statement.
Our fees are as low as possible, include a full review of your current cover & recommendations to save you money!
We guarantee that we will save you money or we'll refund the fee in full!
Services & Fees
|Life Assurance pricing review||€95||How many people take out protection for a mortgage, loan or family protection with the bank/consultant and have never reviewed the pricing.|
|Pension Review & Projections||€195||How many people know what their pension is worth and how much it will be worth to them in the future. Do they have the best value pension?|
|Investment/Savings Review||€195||Review of what they have and what it will be worth. Do they have the best value product suitable to their needs and risk profile.|
|Full Financial Review||€750||What you have now and what you will need in the future to ensure you & your family’s lifestyle is maintained.|
Our role as your financial planner is to help you gain clarity over your future.
This process uses a variety of skills and knowledge, including:
- Technical knowledge of areas such as tax and pensions
- Investment management
- Coaching skills – to help you better understand your own objectives and your motivations
- Financial forecasting – putting those objectives and motivations into numbers. What could your future look like?
- Applying a rigour – we like to joke that we meet clients at least once a year whether they like it or not!
We understand that most people aren’t always as financially organised as they could be. Often new clients arrive with a bag full of paperwork and unopened envelopes. We help you get clarity on your current financial position so that you are able to make the next step in the financial planning process.
- Helping with a more organised filing system
- Getting set up with the Personal Finance Portal.
Exploring the Possibilities
Now that you are organised and have clarify over your current financial position we then help you imagine what possibilities the future could hold.
By asking you the right questions and using our skills we help you to:
- Visualise where you would like to be at certain stages in your life
- Work with you to set realistic targets
- Plan the financial actions and activity required to achieve these goals
Brainstorm Strategies & Analyse Tactics
We investigate your existing pensions, investments, protection policies, and consider whether these are structured in accordance with the objectives we uncovered.
We’ll also consider their suitability for you, taking into account factors such as your:
- Attitude to risk
- Capacity for loss
- Knowledge and experience in investing
- Current tax position
Demonstrate Recommendations & Prioritise Implementation
Using the information, we have gathered, along with our financial forecasting, we will:
- Compare where you are now with where you want to be
- If needed, amend the objectives to ensure they are realistic
- Provide recommendations for appropriate products and investments, including changes to existing where appropriate
- Incorporate appropriate tax implications
- Put forward a plan which takes you from today to achieving your objectives
Implementation of your Financial Plan
Presenting the proposal is just the tip of the iceberg. Implementing the proposals is undertaken with the same meticulous attention to detail.
Ongoing Monitoring & Review
We believe an Annual Planning Meeting is is arguably the most important meeting we will have with you. At least once a year we sit down with you to update your Financial Master Plan with a year’s worth of reality in order to assess your progress towards the objectives. We’ll hear about any changes which might affect the plan, and review what has been set up and how it is performing.
We believe that financial planning is a dynamic process and in order to meet your life goals you need ongoing coaching and support. It’s not something that you can do once and forget about, as a trusted adviser we need to work together over the long term to ensure that your plan stays on track and we are able to adjust your plan to meet the changing circumstances of your life.
As a client you will receive the following:
Annual review meeting
This is a face to face meeting where we undergo a review of your Financial Life Plan. We will discuss any changes to your circumstances that would affect your plan and make adjustments accordingly. We will revisit your life planning, cashflow modelling and existing situation in detail.
Access to your adviser
You will be able to access your adviser for advice and coaching throughout the year as and when required. However, we will be pro active with you if we feel there is something new you need to know or do.
Progress Report and Action Plan
After each annual review meeting you will receive a revised Financial Life Plan with a progress report for the last 12 months and an action plan for the next 12 months.
We will monitor and advise you on all aspects of your investment strategy to ensure you remain on track.
Online access to your information
You will be provided with a private login that you can use to access your information whenever you require.