The need for mandatory pensions in Ireland

If you follow this regular advice column you’ll note that there is a heavy bias towards retirement planning. As a Financial Advisor for the construction sector, I meet many members of the sector’s two big schemes, CERS and the Construction…

Are you covered?

With effect from December 2017, self -employed people in Ireland have finally became entitled to long- term sick pay. This is great news for this cohort of people, who typically have been treated unfairly in Ireland, especially when you consider…

Avocado Toast

You may have recently heard of Grant Sabatier, a 31 year old apparently self- made millionaire – who blames avocado toast for the reason millennials can’t save money. Grant’s theory, when read properly actually makes a lot…

Is Life cover important?

I frequently get asked this by clients and friends alike…they go on to say “I have mortgage protection anyway, sure that’s the same thing right?” Yes, and No Mortgage Protection is indeed Life Cover. It will pay off any outstanding…

Are Pensions too complicated?

Well.. No.. and Yes I’ve penned a few jargon busting articles here over the last few years as I’ve assumed (yes, I know what they say about assuming) that it is only the language around Pensions that is complicated. In talking to people…

Life After Career

While the role of the financial adviser is to focus on the money, sometimes the planning phase can raise other issues a client has not previously considered. In the pre-retirement financial planning phase, it is beneficial to take a holistic…

The Housing Crisis, the Rental Crisis and the Pensions Time Bomb!

What do the Housing and Rental Crisis have in common with the Pensions Time bomb? Everything. What is the Pensions Time Bomb I hear you ask? Excluding public sector workers, who have close to full pension coverage, the private sector figure…

Phishing, Cyber Security

When I first heard of Phishing I thought it was referring to the relaxing hobby or sport of catching a fish with a hook or worm.  I was close if you consider that with Phishing, you are the fish and email is the hook or worm.  “Phishing…