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At O'Leary Financial Planning we set our clients on a path towards their version of FINANCIAL FREEDOM

O'Leary Financial Planning helps simplify your finances, build wealth, protect your assets, & plan for retirement. We give you the tools to help you take back control of your financial situation, maximise every cent of your hard-earned income & get yourself ahead financially.

16/10/2026

𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿’𝘀 𝗡𝗼𝘁𝗲𝗯𝗼𝗼𝗸

When income grows, so do the possibilities.

❇️ You can save more.
❇️ Invest more.
❇️ Put more towards retirement.

And you can enjoy more of life today.

Good planning helps you understand how those decisions can coexist*.

Because building wealth shouldn't automatically mean postponing everything you're building it for.

𝗢’𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴
Clarity for today. Direction for tomorrow.

*This content is for information only and does not constitute financial advice. Be sure to seek professional guidance before making decisions.

15/10/2026

You get a decent pay rise...

For the first month or two, you notice the difference.

Then everyday life catches up.

The grocery shop costs more. Energy bills have gone up. Insurance costs more. Maybe rising household costs 'soak up' more of the increase than you expected.

Perhaps you start spending a little more too.

A nicer holiday. Eating out more often. Finally replacing the car you’ve been talking about replacing for the last three years.

Nothing particularly extravagant (or reckless).

And before long, the new salary simply feels like your salary.

𝗦𝗼𝘂𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿?

A €500 monthly pay rise adds up to €6,000 of additional gross income over a year.

Yet ask yourself six months later what you decided to do with that increase, and the answer might be surprisingly difficult to pin down.

Some went on higher costs.

Some improved life today.

Some may have found its way into savings.

And some just disappeared into the normal monthly flow of money.

That’s an easy pattern to fall into as your income grows.

So there’s a useful question to consider before the next increase becomes part of '𝘯𝘰𝘳𝘮𝘢𝘭 𝘭𝘪𝘧𝘦':

𝗪𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝗜 𝗴𝗲𝗻𝘂𝗶𝗻𝗲𝗹𝘆 𝗹𝗶𝗸𝗲 𝗵𝗮𝘃𝗶𝗻𝗴 𝗺𝗼𝗿𝗲 𝗺𝗼𝗻𝗲𝘆 𝗰𝗼𝗺𝗶𝗻𝗴 𝗶𝗻 𝘁𝗼 𝗰𝗵𝗮𝗻𝗴𝗲?

Perhaps that answer has something to do with life today. Perhaps there are things you want to make possible later. Most likely, there’s more than one answer.

𝗢’𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴
Clarity for the financial decisions that matter.

[General information only and not personal financial advice.]

14/10/2026

A new season and a new edition of our popular 𝗢𝗟𝗙𝗣 𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿.

We created OLFP Connect to share useful financial planning insights and give our clients and wider community a closer look at the conversations taking place within our team.

This Autumn, we’re covering:

• The investment outlook as we approach 2027
• The pension contribution deadline
• Ireland’s forthcoming Personal Investment Account
• Passing wealth to the next generation
• Our Advisor Spotlight with Mary Burke
• News and updates from OLFP

Read the full 𝗔𝘂𝘁𝘂𝗺𝗻 𝟮𝟬𝟮𝟲 𝗲𝗱𝗶𝘁𝗶𝗼𝗻 via the link in the first comment.

From all of us at 𝗢’𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴, we hope you find something useful inside*.

*Any examples or planning considerations discussed are general in nature. Their suitability will depend on your personal financial circumstances.

13/10/2026

𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿’𝘀 𝗡𝗼𝘁𝗲𝗯𝗼𝗼𝗸

As earnings grow, an interesting financial tension often appears.

You can do more for the future.

But you can also do more with life today.

Upgrade the home.

Travel more.

Enjoy the income you've worked hard to build.

Invest more.

Increase pension contributions.

Reduce debt.

Build greater financial independence.

𝗦𝗼 𝘄𝗵𝗶𝗰𝗵 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗲?

Usually, that's the wrong question.

Good financial planning isn't automatically about pushing every additional euro towards the future.

It's about understanding what the future requires, while deciding what matters to you today.

Because once you have confidence that tomorrow is being funded appropriately, enjoying some of today's success can feel very different.

The objective isn't simply more wealth. It's a life that the wealth supports.

𝗢’𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴
Clarity for today. Direction for tomorrow.

12/10/2026

𝗢𝗟𝗙𝗣 𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿 | 𝗔𝘂𝘁𝘂𝗺𝗻 𝟮𝟬𝟮𝟲 is now available

Our latest edition brings together timely financial updates and practical planning guidance for the months ahead.

We look at the approaching pension contribution deadline, the investment environment heading towards 2027, intergenerational wealth planning and the new Personal Investment Account expected to launch during 2027.

You'll also meet OLFP Director and co-founder 𝗠𝗮𝗿𝘆 𝗕𝘂𝗿𝗸𝗲 in our Advisor Spotlight and catch up on the latest news from the team.

Have a read, and if it prompts a question, we’d be glad to continue the conversation with you. 𝗡𝗼 𝗼𝗽𝘁-𝗶𝗻 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱.

Plan well. Decide well.

𝗢’𝗟𝗲𝗮𝗿𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴

--------------------------------------

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: O’Leary Financial Planning is regulated by the Central Bank of Ireland. This newsletter is intended for Irish residents and general guidance only.

11/10/2026

You left the job 'eight' years ago...

Your pension remained.

Since then, your salary has increased. You’ve bought a home, started investing and built up savings.

That old pension is still part of your financial position, but the life you have since built around it has moved on considerably.

This is how financial lives often develop. Decisions accumulate at different times, under different circumstances and for different reasons.

Every so often, it’s useful to look at the complete picture and ask where it’s all heading.

𝗖𝗮𝗿𝗼𝗹𝗶𝗻𝗲 𝗛𝗮𝗿𝘁𝗶𝗴𝗮𝗻 explores this idea in our latest 𝗢𝗟𝗙𝗣 𝗣𝗘𝗥𝗦𝗣𝗘𝗖𝗧𝗜𝗩𝗘 𝗮𝗿𝘁𝗶𝗰𝗹𝗲, 𝗔𝗿𝗲 𝗬𝗼𝘂𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗧𝗼𝗴𝗲𝘁𝗵𝗲𝗿?

If this rings a bell, we’ve unpacked it more fully in the comments. And if it brings up any questions, you can book a quick chat with 𝗖𝗮𝗿𝗼𝗹𝗶𝗻𝗲 or any one of our professional advisors below.

Take care, O'Leary FP

09/10/2026

𝗕𝗨𝗗𝗚𝗘𝗧 𝟮𝟬𝟮𝟳: 𝗪𝗛𝗔𝗧 𝗖𝗢𝗨𝗟𝗗 𝗜𝗧 𝗠𝗘𝗔𝗡 𝗙𝗢𝗥 𝗬𝗢𝗨𝗥 𝗙𝗜𝗡𝗔𝗡𝗖𝗘𝗦?

Budget 2027 has been announced, bringing several changes worth understanding if you're working, investing, preparing for retirement or thinking about passing wealth to your family.

Here are some of the key developments we're paying particular attention to at O'Leary Financial Planning*.

𝟭. 𝗜𝗻𝗰𝗼𝗺𝗲 𝗧𝗮𝘅
The standard-rate band for single taxpayers will increase from €44,000 to €46,500, while the personal, PAYE and earned income tax credits will each increase by €125.

𝟮. 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅
The standard CGT rate is reducing from 33% to 31%, potentially affecting the tax payable on future investment disposals.

𝟯. 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗘𝘅𝗶𝘁 𝗧𝗮𝘅
The rate is reducing from 38% to 35% from January 2027, an important development for investors holding certain funds and investment products.

𝟰. 𝗡𝗲𝘄 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗔𝗰𝗰𝗼𝘂𝗻𝘁
Launching from July 2027, the new account will allow contributions of up to €12,000 annually, with a 1% annual tax applying only to account value above €50,000.

𝟱. 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗧𝗮𝘅
The Group A threshold for gifts and inheritances from parents to children increases to €420,000, with increases also announced for Groups B and C.

𝟲. 𝗨𝗦𝗖
The upper limit of the 2% USC band increases to €30,300, alongside changes to Income Tax that may improve take-home pay for many workers.

𝗦𝗼, 𝘄𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼 𝘄𝗶𝘁𝗵 𝘁𝗵𝗶𝘀 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻?

Not every Budget measure will affect everyone in the same way. For some, it may be worth reviewing existing investments. For others, the changes could prompt a conversation about retirement funding, tax efficiency or transferring wealth to the next generation.

In our latest 𝗢𝗟𝗙𝗣 𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿 | 𝗔𝘂𝘁𝘂𝗺𝗻 𝟮𝟬𝟮𝟲, we look at the Budget alongside the economic outlook, the new Investment Account and the approaching pension contribution deadline.

We've shared the link to your complimentary copy in the first comment.

O'Leary Financial Planning

*𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘢 𝘣𝘳𝘪𝘦𝘧 𝘴𝘶𝘮𝘮𝘢𝘳𝘺 𝘢𝘯𝘥 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘣𝘢𝘴𝘦𝘥 𝘰𝘯 𝘉𝘶𝘥𝘨𝘦𝘵 2027 𝘢𝘯𝘯𝘰𝘶𝘯𝘤𝘦𝘮𝘦𝘯𝘵𝘴. 𝘐𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘵𝘢𝘹 𝘵𝘳𝘦𝘢𝘵𝘮𝘦𝘯𝘵 𝘥𝘦𝘱𝘦𝘯𝘥𝘴 𝘰𝘯 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴, 𝘢𝘯𝘥 𝘮𝘦𝘢𝘴𝘶𝘳𝘦𝘴 𝘮𝘢𝘺 𝘣𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘨𝘪𝘴𝘭𝘢𝘵𝘪𝘰𝘯. 𝘔𝘰𝘳𝘦 𝘵𝘰 𝘤𝘰𝘮𝘦 𝘪𝘯 𝘤𝘰𝘮𝘪𝘯𝘨 𝘥𝘢𝘺𝘴.

09/10/2026

A question for Financially Focused & Wealth Accumulators who have been steadily building their finances for a while:

𝗛𝗼𝘄 𝗺𝗮𝗻𝘆 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗵𝗮𝘃𝗲 𝘆𝗼𝘂 𝗺𝗮𝗱𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝘁𝗲𝗻 𝘆𝗲𝗮𝗿𝘀 𝘁𝗵𝗮𝘁 𝗵𝗮𝘃𝗲 𝗻𝗲𝘃𝗲𝗿 𝗯𝗲𝗲𝗻 𝗹𝗼𝗼𝗸𝗲𝗱 𝗮𝘁 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿?

Pensions, savings, investments and mortgages often begin at different stages and for different reasons.

Looking at the complete picture can reveal something an individual balance can't: where your financial progress is actually taking you.

It's one of the key ingredients of a well constructed financial plan and the subject of Caroline Hartigan's latest 𝗣𝗘𝗥𝗦𝗣𝗘𝗖𝗧𝗜𝗩𝗘 article, 𝗔𝗿𝗲 𝗬𝗼𝘂𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗧𝗼𝗴𝗲𝘁𝗵𝗲𝗿?

Think you’ve got your financial strategy sorted? This blog might just surprise you. Learn why doing nothing could be your biggest risk in moving into 2027.

👉 Read more in the comments below.

O'Leary Financial Planning team

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

07/10/2026

If someone asked what your pension is worth, you could probably find out fairly quickly.

Same for your savings, investments or mortgage.

You would even probably have a fair idea of the value of your business.

Now try a different question:

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮𝗹𝗹 𝗼𝗳 𝗶𝘁 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗮𝗰𝗵𝗶𝗲𝘃𝗲?

That answer can take a little longer.

As your finances develop, you can end up with several sensible decisions made at different times and for different reasons.

Looking at how they fit together can give you a much better view of the progress you’re making.

Our latest 𝗣𝗘𝗥𝗦𝗣𝗘𝗖𝗧𝗜𝗩𝗘 article, 𝗔𝗿𝗲 𝗬𝗼𝘂𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗧𝗼𝗴𝗲𝘁𝗵𝗲𝗿 is hot off the press. In it, our very own 𝗖𝗮𝗿𝗼𝗹𝗶𝗻𝗲 𝗛𝗮𝗿𝘁𝗶𝗴𝗮𝗻 explores how to give those financial decisions a common direction.

Before you read it, try answering the question above in one sentence.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

05/10/2026

You’re saving.

The pension is growing.

You’re investing.

The mortgage is coming down.

There’s plenty happening.

So here’s the question for this month:

𝗪𝗵𝗲𝗿𝗲 𝗶𝘀 𝗮𝗹𝗹 𝘁𝗵𝗮𝘁 𝗽𝗿𝗼𝗴𝗿𝗲𝘀𝘀 𝘁𝗮𝗸𝗶𝗻𝗴 𝘆𝗼𝘂?

Our new 𝗙𝗿𝗼𝗺 𝘁𝗵𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿’𝘀 𝗡𝗼𝘁𝗲𝗯𝗼𝗼𝗸 theme is 𝗠𝗢𝗠𝗘𝗡𝗧𝗨𝗠.

Over four sketches, we’ll look at direction, choices around money, decisions under pressure and what growing wealth can eventually make possible.

First up: what happens when the different parts of your finances start pulling towards the same destination?

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