Lifestyle Financial Planners

Lifestyle Financial Planners Providing lifestyle cash flow financial planning, wealth management, pensions and estate planning.

Its never too early too start when it comes to funding your child's education. With costs rising, Lifestyle Financial Pl...
03/08/2026

Its never too early too start when it comes to funding your child's education.
With costs rising, Lifestyle Financial Planners, a family run business in the heart of Ballina, can help with regular Savings Plans to ensure your child's future education is covered.
Call us now on 096 75951 to book your Complimentary Discovery Meeting.





When did you last review your financial plan, if you have one at all?Lifestyle changes, moving jobs, children starting e...
09/07/2026

When did you last review your financial plan, if you have one at all?
Lifestyle changes, moving jobs, children starting education, property and pensions can quickly make an old plan outdated and obsolete.
A Certified Financial Planner™ uses cashflow modelling to stress-test your financial future under real-world “what if” scenarios — retirement age, pension planning, savings and investments, healthcare costs, or tax changes, so you’re not just reacting to change, but ready for it. Call 096 75951 or DM to book your Complimentary Discovery Meeting.





Auto-enrolment has now been running for six months, and for many, particularly those on the standard 20% rate, it's a ge...
06/07/2026

Auto-enrolment has now been running for six months, and for many, particularly those on the standard 20% rate, it's a genuine first step toward retirement saving. For 40% taxpayers, though, the numbers aren’t quite so attractive.
The State top-up is €1 for every €3 the employer/e contributes. €3 in, €1 top-up, €4 total so the State's share is 25% of the total. An employer-sponsored PRSA or occupational scheme, by contrast, gives higher earners relief at their marginal rate. Over time, that gap compounds into a meaningfully better pension pot.
For employers, directors and HR teams, the two-month opt-out window that opened on 1 July may now be the moment to ask, “are we defaulting our higher earners into the baseline scheme, or building something that actually helps attract and retain them?” The cleaner route for many will be setting up a qualifying scheme that exempts higher-rate staff from AE going forward rather than relying on opt-out alone.
For more information, get in touch with us here at Lifestyle Financial Planners.

Why Confidence Falls as Retirement Gets CloserConfidence around money is high during working life, but it often drops sh...
26/05/2026

Why Confidence Falls as Retirement Gets Closer

Confidence around money is high during working life, but it often drops sharply as retirement approaches.

The rationale behind this is the questions become more real, the closer you get to it. When can I retire? How long will my money last? What income will my pension actually provide?

For many, these questions have never been properly answered as the focus has been on building a pension pot, not turning it into a reliable income.

Retirement planning is not just about accumulation, it is about making informed decisions around your various options, at the right time.

If retirement is on the horizon, get in touch with us here at Lifestyle Financial Planners and let’s put some clarity around your numbers. Link to the full article in Bio

Why is it that the closer you get to Retirement, the harder the questions become?Recent research shows that only 10% of ...
23/05/2026

Why is it that the closer you get to Retirement, the harder the questions become?

Recent research shows that only 10% of people aged 55–64 in Ireland feel financially prepared for retirement. That is a stark gap.

Most people manage day-to-day finances well, yet retirement planning is a different challenge entirely. Over time, responsibility has shifted from employers to individuals, but the system has not made the end result, sustainable income, clear enough.

A pension fund is not a plan unless you understand what it will deliver in retirement.

If you are within 5–10 years of retirement, now is the time to put real numbers on your future income.

Speak with a Certified Financial Planner ™ here at Lifestyle Financial Planners and get clarity on what your retirement actually looks like. For the full article, click the link in bio.

Life's Not a Rehearsal — So Why Are So Many Irish Families Winging Their Finances?We plan our holidays down to the last ...
26/04/2026

Life's Not a Rehearsal — So Why Are So Many Irish Families Winging Their Finances?

We plan our holidays down to the last detail, we research cars before we buy them, we read reviews before we book a restaurant.
But our pension, our protection our estate and all the rest of this stuff which we aren’t in a hurry to address quite often falls into "I'll sort it someday."
But someday, more often than not turns out to be quite expensive, from incorrectly structured policies to unclaimed tax reliefs that don’t roll over and a retirement arrived at without a plan which rarely looks like the one you imagined.

After more than forty years of working with Irish families, company directors, business owners, professionals, and those approaching and/or in retirement, I can tell you that the biggest financial regrets are rarely about market returns, they're about the sense of loss of time spent culturing stress from procrastinating putting a properly structured financial plan in place.

A Lifestyle Financial Plan replaces "someday" with a clear, modelled roadmap. One that accounts for your goals, your family, your business, and the life you actually want to live.

You only get one run at this, make it count. Full article here, or
📞 Call 096-75951
📧 [email protected]
🗓️ Reserve your complimentary Discovery Meeting today.

Your Financial Life Has Too Many Moving Parts for One Person to Manage AloneYour pension/s, your mortgage/s, your protec...
23/04/2026

Your Financial Life Has Too Many Moving Parts for One Person to Manage Alone

Your pension/s, your mortgage/s, your protection policies, your tax position, your business interests, your estate and the rest, all managed in isolation.
They interact in ways that can quietly cost you six figures over the course of a lifetime or save you the same amount if handled correctly.
Most people don't realise that the real risk isn't a market crash, it's the slow, invisible erosion of wealth through missed reliefs, poorly sequenced decisions, duplicated policies, and emotional reactions to short-term noise.
A Lifestyle Financial Plan doesn't just organise your finances, it coordinates every moving part into one coherent strategy. Modelled, stress-tested, and adjusted as your life evolves.
We've spent more than four decades helping Irish families and business owners in the West of Ireland and beyond move from financial anxiety to genuine clarity. Not by doing more, but by doing the right things, in the right order, at the right time.
If your financial life feels fragmented, it probably is. Let's change that. Full article here, or

📞 Call 096-75951
📧 [email protected]
🗓️ Reserve your complimentary Discovery Meeting today.

Old Products, Forgotten Money€47 million in dormant funds transfers to the State this year alone. Much of it will never ...
17/04/2026

Old Products, Forgotten Money

€47 million in dormant funds transfers to the State this year alone. Much of it will never be reclaimed and not because the right to claim expires (it doesn't), but because people simply don't know the money exists.

If you’re unsure, check your records for Occupational pension schemes from previous employers, Endowment and with-profits policies from the 80s/90s, State Savings Certificates and Prize Bonds or old bank accounts.
Pensions are a big blind spot, think job change, a company restructure, a scheme wound up and that pension pot quietly disappears from view.

If you think this could apply to you or someone you know, get in touch with us here at Lifestyle Financial Planners to see can we help.
This is for general information purposes only and does not constitute financial advice. Individual circumstances will vary, so you should seek personalised advice before taking any action.

Millions of Euro in Irish savings, investments and pension plans are transferred back to the Irish Government every year...
14/04/2026

Millions of Euro in Irish savings, investments and pension plans are transferred back to the Irish Government every year because people don’t keep of what they have.

Start the conversation by getting in touch to book a Lifestyle Financial Planning session and/or read the full article, both options available by clicking the link in our bio.

Retirement has a number of stages, and only one of them is the “Honeymoon Period” Most people plan for the money side of...
05/04/2026

Retirement has a number of stages, and only one of them is the “Honeymoon Period”

Most people plan for the money side of retirement, far fewer plan for the emotional side.

In reality, retirement is a journey through six stages: from anticipation and anxiety, to the honeymoon phase, through disillusionment, renewal, and finally Rewirement – living life on your terms.

Our new guide, “The 6 Stages of Retirement”, walks you through each stage and shows how good financial planning can support not just your income, but your wellbeing and sense of purpose.

Tap the link in our bio to read the guide.

If you’re wondering which stage you’re in or how prepared you really are, send us a DM to schedule a complimentary Discovery Meeting.

Address

Tone Street
Ballina
F26PX76

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 1pm

Telephone

353 96 75951

Website

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