We are living through unprecedented times, that will be remembered by us all for ever. Our focus is on staying healthy and flattening the Covid-19 curve. We are worried about our own health and that of our loved ones, particularly the elderly who are cocooned in their own homes. Some of you have seen your […]
It is all about you Financial planning is a relatively straight forward concept. It is about ensuring that YOU have the income and resources to meet the expense of the lifestyle YOU want to live. Therefore, a financial plan should be devised, implemented, reviewed and adapted based specifically on YOUR lifestyle goals. How to Choose […]
“Why should I bother putting a financial plan in place. Sure, with so much going on life is busy enough. And, to be honest, I wouldn’t know where to start. With HSE pensions, investments, property, private pensions not to mention day to day living expenses it’s just too complicated and would take too much time. […]
We’re in the midst of the holiday season and whether you are holidaying at home or abroad it’s time to kick back, relax (if the kids will let you) and really enjoy yourself. In a quiet moment your thoughts, just as they did a year ago, will drift to “What If?” What if life was […]
Working with clients over the years I have found an array of reactions when the subject of goal setting is raised. At one extreme you have clients who it instantly appeals to and who look forward to the organisation associated with goal setting. On the hand you have clients who baulk at any suggestion of […]
While most people have some protection benefits in place it is probably true to say that they have approached protection, in the main, in a piece meal manner. This means that their protection arrangements are most likely not fit for purpose. For example can you honestly say that you are: Correctly insured – i.e. not […]
While many view financial planning as a process it is worth examining its’ wider and deeper benefits and how they can positively impact on your life. Imagine being in a position where instead of using energy worrying and speculating about your future finances you have the reassurance of knowing that you have a long term, […]
One of the central planks of successful financial planning is the ability to make sound decisions. An essential element to enable this is a thorough understanding of your current financial situation and how it might look in the future. The frequently heard complaint “I can’t see the wood for the trees” suggests that most people […]
Parkinson’s Law states that “work expands so as to fill the time available for its completion” a law which I can succumb to when completing the, supposedly, simplest of DIY jobs. This law also extends into financial planning and is known as Parkinson’s Second Law. This states that expenditure rises to meet income. I have […]
In The Sunday Times (16/08/2015) Mark Channing explores the costs of raising children. From childcare, school and college fees right through to assisting with a house deposit for adult children. Our own Barry Mooney provides practical advice on the steps that should be taken to plan for these costs and the importance of considering the […]
