*****LIFE INSURANCE IN SIMPLE TERMS*** By Philip Cullen Do you need life insurance? The answer to this question depends, ironically, on whether anyone depends on you. For example, if you have children, then yes, you probably do need life insurance – because they depend on you financially. This is the case even if you don’t
Merry Christmas Hello everyone, I would like to take this opportunity to send warm seasonal greetings to all our clients and everyone we worked with or for in 2017. It was an exciting year here helping more people reach their financial goals, planning for the future and working on practical financial plans for our customers.
RISK V’S REWARD We all have different attitudes toward investing risk. Think about how comfortable you are with the possibility of losing money, what your timeframes are and how you emotionally deal with volatile returns. Your attitude to risk can influence your investment strategy as much as your financial circumstances. This is a decision that
The following outlines what we believe are the emotional, financial and practical reasons having a Will in place is a good and sensible idea. No one likes to think about death, or linger on the possibility something bad might happen but emotionally the ongoing strain of burying your head in the sand can have long
In a recent Irish Examiner article cited below the following findings were discovered from a survey carried out by Royal London According to The Irish Examiner and we quote ‘The survey found that 64% of respondents over 55 already have a will in place, compared with only 8% of young adults. One in five of
This week a client contacted us for review of his pension . He is aged 33 of age and currently paying 300pm into a pension with a likely retirement age of 68yrs. My first task was to research his case whereby I found the following issues, firstly his pension was not being reviewed on a
To us all living in the moment and enjoying life seems to be our primary focus, and with good reason. No one should morbidly reflect on the ‘what if’s’ , conjur up disasters that may never happen or worry constantly that something awful will befall us or our family. But like everything in life, balance
Here is one good reason you should be prepared for the future in order to full enjoy the present and your health. Firstly you might commit to taking regular exercise, eating healthy and visiting the doctor for check ups but have you thought about how financial anxiety can affect your health and overall well being.
This week we would like to offer you a whole host of helpful links to articles about pensions that have appeared in national press in previous weeks. We would love you to get in touch if you would like more information and if we can help in anyway at all. Are you thinking of getting
In a recent survey, outlined in The Journal article , the findings showed a significant difference between how men and women think about retirement The article states “WOMEN ARE FAR less likely to be preparing for their retirement than men, according to new research in Irish pensions. While the gender pay gap is an issue