Personal Financial Review
Income Protection / Disability Income
Will pay you an income until retirement if you are unable to work and suffer a loss of income due to almost any illness or accident. The payment is tax deductible.
We provide a best advice service.
If you would like any more information on this contact Mortgage & Investment Brokers for impartial advice.
Personal Insurance Protection;
Life assurance can cost as little as €15 p.m. Life cover provides an income for your dependents. Illness cover provides protection against debt, mortgages and can provide an income if you’re out of work. Cover for Serious Illness can be added.
Self-employed and some public servants do not qualify for state social welfare benefits. In some cases we obtain tax relief.
Free cover for children up to age 21.
We provide the best advice service.
Specific Critical Illness
This will pay in the event of you getting one of the illnesses listed on the policy and surviving 2 weeks. It can be in addition to, a death benefit.
Insurance May Not Cost as Much as You Expect
We help you determine the amount of protection you require so your dependents will be financially secure. We carry out a review of your existing protection and provide a one page report on the price of all the life assurance companies on the market so you pay the cheapest premium.
Life assurance which provides an income can cost as little as €15 p.m. If you have dependents, the level of benefit should replace your income for a number of years.
We Compare Mortgage Protection and Buildings Insurance
Mortgage Protection ensures that if you were to die during the term of your mortgage, then the outstanding balance on your mortgage would be paid off and your home secured for your family.
There is every chance that you are now paying more than you need to protect your home. A saving of €5 p.m. can save you €3,000 by the end of a 25 year term. Ask about tax relief on your mortgage policy and current discounts.
Mortgage Protection rates have come down as the market has changed in the last few years. We can help you to secure better value cover by reviewing your existing policy and comparing it with the full range of rates and cover available on the market today. Our advice is impartial whereas a bank or going directly to a life company limits your choice.
Estate planning and Inheritance Tax
We can reduce the cost of this imminent bill. The Inheritance tax rate is 33%.
You no longer have to be a millionaire to be liable to inheritance tax. People who are not married or related and inherit more than €16,250 can end up paying tax @ 33% (excluding the family home in very restricted cases).
The tax threshold for an ARF Pensioner who is Single is zero.
A couple aged 65 would have to live beyond 100 to over pay inheritance life insurance.
We provide a best advice service.
Our Review Service
There is every chance that you’re paying more than you need in policy and fund charges. Perhaps the current strategy was set up in the past and things have changed since.
We can compare the costs of your scheme against the current market.
The investment market changes frequently. We can talk you through the steps to make sure you have the best chance of achieving your objectives. We provide a best advice service.
Savings
We can guide you through saving for:
Savings give you options and choices in life. Money can be hard to hold onto and harder to accumulate. Having savings will decide if your children go to university, how comfortable your retirement will be e.t.c.
We have access to the entire range of life companies and investment firms with excellent savings plans offering to grow your fund.
Our process will:
1. Assess your current savings plan and your expectations of these.
2. Look at the strategy you have to achieve your objective.
3. Agree a realistic and tax efficient strategy
4. Search the entire market for the most suitable product with the appropriate investment fund for you
5. Agree a regular review of your fund performance and your objectives
We are authorized by the Central Bank of Ireland to advise on deposits, shares, government bonds, redundancies, pensions and life endowment savings policies.
We provide the best advice service If you would like any more information on this contact Mortgage & Investment Brokers for impartial advice.
Lump Sum Investment Can Include:
We can reduce the cost of this imminent bill. The Inheritance tax rate is 33%.
You no longer have to be a millionaire to be liable to inheritance tax. People who are not married or related and inherit more than €16,250 can end up paying tax @ 33% (excluding the family home in very restricted cases).
The tax threshold for an ARF Pensioner who is Single is zero.
A couple aged 65 would have to live beyond 100 to over pay inheritance life insurance.
We provide a best advice service.
Mortgage & Investment Brokers are regulated by The Central Bank of Ireland which has some protection to depositers in Irish financial institutions. If you would like to compare rates available to depositors and savers on today’s Irish market, based on your individual circumstances, contact us for impartial advice.
We can provide:
Planning your Retirement
It is of paramount importance that you have a professionally designed pension plan, established to safe guard your financial security over and above what the state may provide. This pension plan will have a major impact on you and your partner’s quality of life. We are available to advise on a client’s retirement planning options for both individuals and companies whether they are employees, self-employed, employers or company directors.
Mortgage & Investment Brokers can:
1. Have full access up to 10 pension companies.
2. Can advise you on setting up a retirement plan.
3. Can provide practical impartial advice.
4. Assist in reviewing your pension plan.
5. Provide advice on maximising tax relief.
6. Help you access PR-Retirement Planning.
7. In cases where an individual’s health is impaired, a broker can help claim the client’s pension.
8. Can offer expert, advise through Post Retirement Planning. They also help a client select the appropriate pension option to match the future needs of the individual.
Individual or Work Place Pension
Mortgage & Investment Brokers will:
Self-Employed Pension
Mortgage & Investment Brokers will:
We advise on pre and post retirement planning
We advise on a best advice basis If you would like any more information on this contact Mortgage & Investment Brokers for impartial advice.
Public Service Pension
Even with state pensions there can be shortfalls which reduce entitlements e.g.
Not having full service
Wanting to retire early before 68 if you’re born after 1960 or
If you’re born after 1954 retirement = 67. You may wish to retire before 65.
Some public bodies deduct up to twice the state pension from certain public service grades.
We advise on no or low risk AVCs, pre and post retirement planning.
We advise on a best advice basis.
We identify shortfalls in public service retirement schemes and provide solutions to enhance your retirement.
Self-Directed Pension and Self-Administered Pension
A business owner or a key professional may wish to have a different pension arrangement than normal.
You can have the pension invested in an individual property / shares / bonds.
Many proprietors use pension arrangements to transfer company assets to their name tax efficiently.
We advise on Pre and Post retirement Planning.
We Compare Mortgage Protection and Buildings Insurance
Mortgage Protection ensures that if you were to die during the term of your mortgage, then the outstanding balance on your mortgage would be paid off and your home secured for your family.
There is every chance that you are now paying more than you need to protect your home.
Mortgage Protection rates have come down as the market has changed in the last few years. We can help you to secure better value cover by reviewing your existing policy and comparing it with the full range of rates and cover available on the market today. Our advice is impartial. We provide a best advice service.
Saving to Buy a New Home
We can talk you through;
Pension Warning
Warnings