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Additional Voluntary Contributions (AVCs)
An AVC is an Additional Voluntary Contribution that you can make in addition to your normal contributions to an occupational
Directors Pension
Imagine taking the pain of setting up a business and then walking away from it empty-handed when you retire? Not a pleasing scenario – certainly not the outcome you want for you when the day comes for you to walk away. You don’t want to see all your effort, struggle.
Pensions For The Self Employed
In Ireland, self-employed individuals are responsible for their own pension provision and the government does not provide a state pension for the self-employed.However, there are several options available.
Occupational Pensions
Are you currently working in a reputable company or employed in the public sector in Ireland? If yes, did you make any plans.
Employee Pensions
Are you employed in the public sector or are working for a reputable company in Ireland? If yes, have you made any plans for your retirement? If not, now is the time to start planning .
Approved Retirement Funds
An Approved Retirement Fund (ARF) is a post-retirement financial product that
allows you to reinvest your pension funds
Mortgages
Public Sector Mortgages
As a public sector employee, you’ve dedicated your career to serving
others. Now it’s your turn to benefit from a mortgage designed to
recognise.
Irish Ex-pat Mortgages
An Ex-Pat Mortgage allows Irish citizens living overseas to purchase
residential properties in Ireland without being physically present. It works
like a regular mortgage.
Buy-to-let Equity Release
Think of it as unlocking the hidden potential in your existing property portfolio. Whether you own one buy-to-let or several, you can release the equity tied up in those properties
Protection
Mortgage Protection
Mortgage protection is life insurance that pays off your mortgage in the event of your death.he sum of money that is insured under a mortgage protection policy
Life Insurance
Life insurance pays out either a lump sum or an income in the event of your death. Life insurance is purchased by individuals who want their family to receive a lump sum of money if they die prematurely.
Serious Illness Cover
Serious illness cover provides a tax-free lump sum if you are diagnosed with a serious illness during the term of the policy.Cancer, Heart, Stroke, Alzheimer’s Disease, Chronic Rheumatoid Arthritis
Public Sector Salary Protection
Salary protection (also known as Income Protection) is an insurance policy that pays a monthly replacement salary/income to policyholders .
Income Protection
Income Protection (also known as Salary Protection) is an insurance policy that pays a monthly replacement Income/income to policyholders who are unable to work due to illness or injury.
Over 50s Funeral Cover
Taking out Life Insurance in your 50s can ensure that a lump sum of money is left to your loved ones when you die to cover the costs of your funerals.
Whole Of Life Insurance
Are you a preoccupied working person who has yet to take action to safeguard your family in the event of your death or disability? That is a terrible oversight!
Public Sector
Public Sector AVCs
AVC’s are a simple and tax-efficient way of saving for your retirement. They are extra contributions made to bump up your main pension entitlements on retirement.
Last Minute AVC
Last Minute AVCs for public sector employees can be a very prudent and clever way of getting access to some extra cash on retirement. If you qualify for the Last Minute AVC,
AVC Personal Retirement Bonds
AVC Personal Retirement bonds are specifically designed for public sector employees who have overfunded their public sector AVCs.
Inheritance Tax
Section 72 Policies
No parent or relative wishes to see their children issued with a hefty Capital Acquisitions Tax (CAT) bill upon their death. The children will be forced to sell the property just to cover the inheritance bill in Ireland.
Section 73 Policy Savings Plan
A Section 73 Policy Savings Plan is a strategic savings plan designed for individuals who want to pass assets, such as property or cash, to loved ones
Small Gift Exemption
Godparents/uncles/aunts setting up savings plans for their godsons/ goddaughters/ nieces / nephews when they are born to accumulate an fund for their third-level/college education fees.
Savings & Investments
College Education Savings
The cost of third-level education in Ireland is no longer a distant concern
— it’s a real financial challenge many families face today.
Lump Sum Investments
Lump sum investing is a powerful strategy where you invest a single large amount, rather than smaller, regular contributions over time. Think
of it as planting a mature tree
Execution Only Investing
It is entirely up to you how much interaction you have with a financial service professional when investing your money.
Capital Protected Investments
Are you an investor looking to protect your money in a low-risk scheme? If so, Capital Protected Investment is the best way to safeguard your capital.
Corporate Investments
Corporate investments in Ireland are investments made by profitable companies in order to Reduce their tax liabilities on profits generated
Regular Saver Investment Plans
You don’t deserve negative growth on your hard-earned savings. But this is bound to happen when you save on bank deposit accounts
Regular Saver Investment Plans
You don’t deserve negative growth on your hard-earned savings. But this is bound to happen when you save on bank deposit accounts and credit union savings accounts. The public Irealnd banks pay almost little or no interest.
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