Planning is the key!

Have a plan for the big events in life. When we start our financial advice conversations we usually have an early discussion about financial goals. These are rarely about some random figures such as, “My goal is to have €500,000 in my pension plan when I retire”. Because that means nothing… It’s far more important to know what you want your money to do for you. Instead these conversations tend to be about specific situations or events such as, “I want to retire when I’m 60” or “I want to finance my kids right through college”. Your financial plan is then about generating enough money to enable these events to become a reality.

We will help you plan for these events, from the start of your working career and then right through life. Each of these events will have a fundamental impact on your financial situation, and we will help you anticipate and plan for them. They include,

 A new job: Usually this will result in an income increase (hopefully!) and probably a change in your employee benefits.
 Marriage: A very significant financial change where you and your better half marry your fortunes together. Also now your financial goals and needs substantially change.
 Moving House: A new home usually results in new debt and changed regular expenditure.
 Children: Apart from the obvious immediate costs, your attention will soon turn to increased living costs and future education costs etc.
 Retirement: A significant financial event as the income tap turns off and it’s time to live off savings.
 Death: This could be your own death or the death of your spouse or parent. Each of these events will have a significant financial impact.
 Other events: And then there are lots of other possible events – buying a holiday home, a significant gift for children, the world tour or maybe winning the lotto! Whatever it might be, there will be a significant financial impact.

The point to remember is that every time there’s an event, money moves. Think about it. The key is that you plan for it.

We passionately believe that we are best placed to help you financially manage your way through these transitions. Yes, you will need a solicitor when buying a house, or an accountant when selling your business. But because we focus on your financial picture for all of your life and not just a single point in time, we can help you plan strategically for all of life’s events.

Of course, we will also identify the role and benefits of financial products, such as investments, pensions and protection products. We will put these in place for you where they make sense.

​So, consider the events that are important in your life. And then let us help you achieve them to the full.