Financial Planning

By putting a Financial Plan in place, you will ensure that you make the most of your hard earned income throughout your working life. And that you make that income work efficiently for you and your family.

A Financial Plan will include protecting both your family and your assets in case of the unexpected happening; Planning for your medium term to longer term requirements and needs.

Ultimately planning for the long term future, putting aside some of your income today to provide for your retirement when you will no longer be earning. When you can reap the rewards of your hard work.

 

Protection

Often when we think of Financial Planning we think of saving and investments. In fact, protecting yourself, your family and your assets forms the very basic first step in putting a Financial Plan together. We offer a full advisory service incorporating each of these areas:

  • Salary Protection
  • Serious Illness Cover / Critical Illness
    Family Protection – Life Insurance and
  • Pension Term Life Insurance

 

 

Pension Planning

Saving for your retirement in today’s Ireland is crucial. There are a vast range of options in terms of what type of pension best suits you:

  • Personal Pension Plan or Retirement
  • Annuity Contract
  • Executive Pension Plan
  • Director’s Pensions
  • Personal Retirement Savings Account (PRSA)
  • Self Directed and Self Administered Pensions
  • Early Access for Pensions
  • Pension Transfers

Post Retirement Planning

You will be faced with a number of options when you reach your retirement age. The option you choose can have a profound effect on the quality of your retirement.

  • Tax Free Lump Sum
  • Taxable Sum
  • Annuities
  • Approved Retirement Funds (ARFs) and
  • Approved Minimum Retirement Funds (AMRFs)
  • State Pension
  • Investment.

Health Insurance

Health Insurance can be very confusing. Which Plan should you take? What will you be covered for?

SmartChoice can guide you through the Health Insurance Market and Find a plan that’s right for you. Remember that once you turn age 34 Community Rating will be applied. This means that your premium will be more expensive for every year that you don’t have Health
Insurance.

Have a question?

If you have any questions about Financial Planning, please do not hesitate to contact us and we will be happy to assist you.