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Corporate Deposits September 2022 For business owners, holding excess capital in the shape of cash or bank deposits has always been a nice problem to have. As the value of traditional monetary assets has fallen in recent years, generating a return on cash reserves has become a lot more challenging. If your company has surplus…

Do you have Income Protection?   Over the years dealing with clients and in general from speaking with friends and family, when this question is asked, I am surprised that the answer can be ‘I don’t know’. Employees often are not sure what their sick pay arrangement is or if they have any long-term cover…

How to give €1m to your family tax free April 2022     Let’s talk about tax for a minute with a brief overview of some of the challenges faced by people who want to transfer wealth to their loved ones. Unfortunately, in Ireland we have a pretty penal tax environment in this regard. Capital…

Financial planning is about more than products April 2022 As a Financial Planner I am in the very fortunate position of meeting a wide variety of people. They all have different backgrounds, experiences and are at different stages along their journeys. I have laughed with clients, and I can honestly say I have cried with…

Helping you identify the life you want   We find that many of our conversations with new clients start with a specific problem. It might be a sudden windfall that you want to invest, getting your retirement plan on a firmer footing or indeed sometimes just making sense of what you have and where you’re…

5 investment themes that stand the test of time     After another very strong year for markets in 2021, with the S&P500 index up over 27% by the middle of December, the attention of investors has rightly turned to what’s likely to happen this year. While most commentators are more cautious about the prospects…

Planning for retirement – it’s never too early and (almost) never too late! December 2021     While the general advice to everyone is to begin contributing to a pension plan as early as possible, the reality is that very many of us seem to put it off until a point where we believe it…