Riordan Financial Ltd

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

Wishing the very best of luck to our very own Shaun Riordan & the Carlow Senior Hurling Team as they contest the Joe McD...
03/06/2026

Wishing the very best of luck to our very own Shaun Riordan & the Carlow Senior Hurling Team as they contest the Joe McDonagh Final this Saturday! 🏐🏆😁🤞

Best wishes to all at competing in this years Gougane Barra Challenge 🚴-from us all at Riordan Financial 😁
29/05/2026

Best wishes to all at competing in this years Gougane Barra Challenge 🚴

-from us all at Riordan Financial 😁

29/05/2026

When people approach retirement, the big questions are usually the same. Will my money last? Can I still provide for my family? Will I actually understand what's happening with my fund?

For many, an Approved Retirement Fund (ARF) is the structure that delivers on all three. Unlike a fixed annuity, an ARF keeps your money invested, gives you flexibility over how you draw it down, and offers the potential for continued growth throughout retirement.

Here's what that has looked like for three Riordan Financial clients:

A self-employed individual retired in 2013 with an initial fund of €190,929. They have since drawn €176,798 in gross income and their fund still stands at €117,955
today.

A company director retired in 2017 with €1,537,743 invested. After drawing €458,999 in income payments, their fund has grown to €1,705,945. An employee retired in 2023 with €574,240. Having drawn €71,850 in income to date, their fund now stands at €628,359.

Each of these clients receives quarterly fund updates and at least one full policy review per year, keeping their strategy aligned as their needs and market conditions evolve.

Past performance is not a guide to future performance. Values can fall as well as rise.

If you are approaching retirement and want to understand what your options look like, read the full case study or get in touch with the team at Riordan Financial for a no-obligation conversation.

Read the full article here:
https://riordanfinancial.ie/what-happens-pension-in-retirement/

19/05/2026

One of the most common financial questions for Irish homeowners with surplus income: is it better to overpay the mortgage or put that money to work elsewhere?

The honest answer is that it depends, but there are some clear principles worth understanding before making the call.

Overpaying your mortgage gives you a guaranteed, tax-free return equal to your interest rate. At current rates, that's not something to dismiss. It also shortens your term, reduces total interest paid, and improves your loan-to-value position.

The investment case is strongest when it comes to pensions. Pension contributions in Ireland attract income tax relief at your marginal rate, meaning a €1,000 contribution costs a higher rate taxpayer just €600. That immediate tax uplift is difficult for a mortgage overpayment to match.

Beyond pensions, the Irish tax treatment of investments is less generous. Exit Tax at 41% and the deemed disposal rule every eight years are important factors to weigh up.

A practical order of priority for most people:

-Emergency fund first

-Maximise pension contributions before directing surplus funds elsewhere

-If your mortgage rate is above 4%, there's a strong case for overpaying alongside investing

-If your rate is low and your pension is on track, broader investment may make sense

The right answer looks different for a 35-year-old with no pension than it does for a 55-year-old with a small mortgage balance. The numbers matter, but so does your personal situation.

We've put together a full breakdown of the key considerations for Irish homeowners.

Read the full article here: https://riordanfinancial.ie/is-it-better-to-pay-off-your-irish-mortgage-or-invest-your-surplus

11/05/2026

If something happened to you tomorrow, would your family know where to find your life insurance policy? Your pension? Your mortgage protection?

For most people, the honest answer is probably not.

There is more than €500 million in unclaimed pension benefits in Ireland. Numerous life assurance policies sit dormant, forgotten, or lost in paperwork. The money doesn't disappear, but tracking it down puts an extra burden on families already dealing with grief or illness.

A Financial Passport solves this. It's a single document that brings all your key financial information together in one place, so your family isn't left searching when it matters most. Policy numbers, pension details, bank accounts, advisor contacts, all of it in one place.

It takes an hour to put together. It could save your family a serious amount of stress.

We've put together a free template you can download and complete at your own pace.

Read more and download it here: https://riordanfinancial.ie/your-family-shouldnt-have-to-search-for-your-financial-details

Wishing you all a great long weekend! (come rain or shine 🤞 🌅 )
01/05/2026

Wishing you all a great long weekend! (come rain or shine 🤞 🌅 )

24/04/2026

Insurance doesn't pay out.

It's one of the most persistent myths in financial planning, and the numbers don't support it.

Irish Life paid out €404.3 million across 7,907 claims in 2025. That's over €7.7 million every single week.

A few figures worth knowing:

-98.7% of life insurance (death benefit) claims were paid
-92.8% of Specified Illness Cover claims were paid
-Nearly 2 in every 3 claims paid were for living benefits, covering serious illness or inability to work

The most common reasons a claim isn't paid come down to non-disclosure at application stage, or the condition not meeting the policy definition. Both are avoidable with the right advice.

If you don't have cover in place, or haven't reviewed what you have recently, now is a good time.

Read the full breakdown here: https://riordanfinancial.ie/insurance-payout-stats-ireland.

Riordan Financial Brokers Ltd trading as Riordan Financial (C30375) is regulated by the Central Bank of Ireland.

02/04/2026

22nd April 2026 is a date every executive pension holder in Ireland needs to have on their radar.

That's when IORP II comes into full effect for every single-member occupational pension scheme in the country. Every scheme must either comply with the new rules or transition to an alternative structure.

Compliance looks straightforward on paper. In practice, it means audited accounts, specialist appointments, written policies and ongoing risk monitoring, with costs running to €5,000 a year at minimum. Most providers have already stopped offering these products under the new regime.

Doing nothing isn't an option either. The Pensions Authority can fine non-compliant scheme holders up to €25,000, and if your trustee resigns, your pension could be left in limbo.

The good news is there are solid alternatives available, including non-standard PRSAs, master trusts, buyout bonds and approved retirement funds. The right choice depends on your circumstances, but the time to act is now.

We've put together a full breakdown of what IORP II means for SSAPS holders and what your options are.

Read the full article here: https://riordanfinancial.ie/is-your-executive-pension-ready-for-iorp-ii

27/03/2026

Life cover is one of those things people always mean to sort out later.
The problem is, "later" can be expensive.

In Ireland, the cost of life cover rises steadily with age:

Start at 25 - around €10/month
Start at 35 - around €16/month
Start at 45 - around €36/month

Over a 25-year policy, that delay could cost thousands more in premiums.
And cost is only part of the story.
As we get older, health issues become more likely. Things like high blood pressure or elevated cholesterol can push premiums higher, or make cover harder to obtain altogether.

That matters. Many Irish households rely on two incomes while carrying a mortgage and other financial commitments. If something happened to a main earner, those bills do not disappear.
When you are young and healthy, substantial cover can often cost less than a few coffees a week.

The hardest part is simply getting started.

Read the full article to find out how much delaying could really cost you 👇
🔗 https://riordanfinancial.ie/the-real-cost-of-delaying-life-cover-in-ireland/

We are once again proud to be sponsoring in association with .To date, St Joseph's has purchased 11 fully wheelchair-a...
16/03/2026

We are once again proud to be sponsoring in association with .

To date, St Joseph's has purchased 11 fully wheelchair-accessible mini-buses and has upgraded its kitchen and other rooms with funds provided by Better Life Cycle.

We want to keep the wheels moving for as long as we can!🚴🚴

Address

Main Street
Charleville
P56FT85

Opening Hours

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

Telephone

+3536330608

Website

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