Riordan Financial Ltd

Riordan Financial Ltd Riordan Financial is a Financial Brokerage based on the main street in Charleville Co. Cork who prov

In 2025, the average life cover claim paid by Irish Life was €88,942.That is the moment your family relies on the cover ...
01/09/2026

In 2025, the average life cover claim paid by Irish Life was €88,942.

That is the moment your family relies on the cover you put in place. The trouble is, life keeps moving. Marriage, a new baby, a mortgage, a career change, or nearing retirement can all shift what your family would actually need.

A policy set up years ago may no longer match today's life. A quick review puts that right.

Worth a look:

Life and mortgage protection
Serious illness cover
Income protection

Read more: https://riordanfinancial.ie/the-critical-role-of-protection-policy-reviews/

One easy back-to-school win: swap the €12 bought lunch for a packed one under €4 a day. Across the school year that is o...
24/08/2026

One easy back-to-school win: swap the €12 bought lunch for a packed one under €4 a day. Across the school year that is over €1,200 saved per child.



Our latest guide covers four steps to keep the family budget in shape this term: plan, save, borrow smartly, and protect what matters.

Read the full article: https://riordanfinancial.ie/back-to-school-financial-management-4-steps-for-parents/
.or contact Riordan Financial today.

13/08/2026

Men and women in Ireland retire on very different terms.

This year, 36% of men feel financially ready for retirement, against just 25% of women. Not because women care less, but because they are more likely to be carrying the everyday costs that leave little room to plan ahead.

Yet the social side tells the opposite story. Once retired, women pull ahead: 69% feel socially ready, against 62% of men. And 88% say they are happy in retirement, compared with 81% of men.

The one thing that helps everyone? Regular advice. It makes people twice as likely to feel confident about their money and their pension.

Read the full breakdown: https://riordanfinancial.ie/retirement-differences-between-men-and-women

06/08/2026

Adults in Ireland now expect to need €2,958 a month in retirement, yet Standard Life's 2025 research shows only a minority feel financially ready.

The way each generation approaches that gap tells its own story:

Gen Z are engaged early, with 60% saying a pension is essential, but cost of living and education still dominate their priorities.

Millennials feel the mid-life squeeze most, and only 40% are confident they are making the most of their pension.

Gen X are catching up fast, with those focused on maximising a pension rising from 17% in 2023 to 24% in 2025.

Baby Boomers lead on readiness at 47%, though fewer than 2 in 5 know how much they will actually need.

The common thread across every generation is clarity. Knowing what you have, what you will need, and how your income will support the life you want.

That clarity looks different at every life stage, and it is where good advice earns its place.

Read the full breakdown here: https://riordanfinancial.ie/generational-differences-in-retirement-approaches-ireland

23/07/2026

Just 28% of adults in Munster feel financially ready for retirement, the joint lowest of the four regions in Ireland.

Standard Life's 2025 study, Bringing Retirement into Focus, surveyed 5,404 adults nationwide. We have pulled out what it says about Munster, because it is the region we work in every week.

The picture is not one of people who have stopped caring. It is one of people under pressure.

47% of Munster adults name coping with the rising cost of living as a top financial priority, the highest of any region and up sharply from 29% in 2024. Yet the share prioritising their pension has risen each year, from 13% in 2023 to 16% in 2025. The intent is holding. It is capacity that has come under strain.

The clearest divide in the research is not gender, generation or geography. It is financial confidence. 57% of those who feel positive about their finances are looking forward to retirement, against 39% of those who feel anxious about money.

Which is where regular advice shows up in the data. Comparing all adults with those who engage with an adviser regularly:

-Clear on how much they will need in retirement: 33% rising to 51%

-Taking full advantage of tax relief on contributions: 43% rising to 56%

-Feeling positive about their financial position: 34% rising to 58%

Only a third of adults in Ireland can say what they will need to live comfortably. Knowing your number is where it starts.

Read the full breakdown: https://riordanfinancial.ie/retirement-preparedness-and-financial-anxiety-in-munster/

16/07/2026

You insure your car. You insure your home. You insure your life. But most people never insure the asset that pays for all three: their income.

Every retirement plan rests on one quiet assumption, that you keep earning right up to the day you choose to stop. Your pension, your AVCs, your savings targets, all of it depends on a salary arriving each month.

So it is worth asking what happens to that plan if illness or injury stops you working for a year, or three, or five.

Most people assume the State would step in. The 2026 reality is more modest:

-Statutory Sick Pay covers just 5 days a year

-State Illness Benefit pays a maximum of around €254 a week, roughly €13,200 a year, for up to two years

-The self-employed do not qualify for it at all

Income protection is built to fill that gap. It replaces up to 75% of your earnings if you cannot work, and keeps paying until you recover or reach retirement age, so your pension contributions carry on too.

It is also one of the few insurances in Ireland with income tax relief at your marginal rate. For a higher-rate taxpayer, a €100 monthly premium can come down to around €60 after relief.

Saving hard into a pension while leaving that income unprotected is building a house and skipping the foundations.

Read more: https://riordanfinancial.ie/why-every-irish-citizen-should-consider-income-protection

07/07/2026

Half of Irish workers wish they had started planning for retirement earlier. And nearly half now expect to work longer than they hoped, just to fund it.

If you are in your forties or fifties and suspect you are behind, there is a catch-up tool that is more powerful than most people realise. It is called an Additional Voluntary Contribution, an AVC, and the Irish tax system makes it remarkably efficient.

Here is why. Pension contributions get income tax relief at your highest rate. So for a 40% taxpayer, every €100 you put in costs just €60. The rest is effectively covered by the taxman.

And the older you are, the more you can put in. At 50 to 54, you can claim relief on up to 30% of your earnings. From 60, it rises to 40%.

Take a 52-year-old paying an extra €500 a month. After relief, that costs around €300, but the full €500 goes to work in the fund, growing tax-free.

You do not need to have planned perfectly since your twenties. You need a clear picture of the gap and a structured way to close it.

To learn more, read the full article or contact Riordan Financial today:

https://riordanfinancial.ie/catching-up-on-your-pension-how-avcs-close-the-gap-before-you-stop-working/

Best of luck to Team Dave Riordan, taking on the Ring of Kerry Charity Cycle this Saturday in aid of Breakthrough Cancer...
01/07/2026

Best of luck to Team Dave Riordan, taking on the Ring of Kerry Charity Cycle this Saturday in aid of Breakthrough Cancer Research. 🚴

That is 170km around one of Ireland's most iconic routes, all to raise funds for vital cancer research happening right here in Ireland.

Every euro raised goes towards research that helps more people survive cancer. If you would like to get behind the team, you can support their fundraising and learn more about the cause here:

https://breakthroughcancerresearch.ie/event/ringofkerrycharitycycle/
Go n-éirí libh, Team Dave. From us all at Riordan Financial.

Address

Main Street
Charleville
P56FT85

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+3536330608

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