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Mortgages – Investments – Protection – Pensions – Savings – Deposits and more

Our promise – Free consultation with no pressure, no bias – just clear concise impartial advise. As a Financial Broker I use my expertise on financial planning matters and will work on your behalf giving you a choice of products and providers from across the market. Our service continues after business with free re

ports and we encourage clients to contact us on all personal financial affairs. Providing long-term guidance:

Research * shows that people with long-term financial advisers typically have higher savings and assets than those who do it themselves, irrespective of income, starting net assets and other factors. A Financial Broker is the perfect fit for such a long-term adviser and can help you to stay on course with your financial planning through all of life’s (and the market’s) ups and downs.

* KPMG Econtech report – Value Proposition of Financial Advisory Networks October 2009

Irish adults don't have a sufficient retirement plan in place New research shows there has been in an increase in the nu...
26/05/2026

Irish adults don't have a sufficient retirement plan in place

New research shows there has been in an increase in the number of Irish adults who do not have a retirement plan in place.
The research from the Consumer and Competition Protection Commission found that one-in-four remain unprepared for retirement, up from one-in-five last year.
A third of pension holders also regret not starting their pension sooner, the CCPC said.
Pension ownership is lowest among 18 to 24-year-olds, while 21% of those aged 45 to 54 have no pension plans in place, which the CCPC describes as worrying.
36% of pension holders said they were unsure of how pensions work, while 46% of those with a pension said they review their annual statement, down from 51% last year.
Of those who do not have a pension in place, affordability and putting it on the long finger were cited as the top barriers.
25% of respondents said they could not afford a pension, down from 30% last year, while 19% admitted they have just not got around to it yet.
Among the 26% of Irish adults with no retirement plan in place, 61% now expect to rely on the State Pension to fund their retirement. The CCPC said this was a noticeable increase from 53% in 2024 and 43% in 2023.
"This growing dependence on the State Pension is accompanied by a sharp decline in expectations around rental income, which dropped from 22% in 2022 to just 9% in 2025, suggesting a significant shift away from property-based retirement strategies and highlights increased vulnerability among those without private pension arrangements," the CCPC added.
Grainne Griffin, Director of Communications at the CCPC, said that this year's research confirms that Ireland’s pensions gap remains a concern, even among those just a decade or two away from retirement.
"With over a quarter of adults still without any retirement plan in place, and others regretting not starting sooner, the message is clear: it’s never too early, or too late, to take action," she stressed.
She also noted that retirement expectations are shifting with only 19% expecting to retire at 65, compared to 25% in 2024, while a similar proportion of men and women, 20% and 21% respectively, now expect to work until age 70 or beyond.
"Financial advice continues to be underused, with 66% of those surveyed stating that they have never spoken to a financial advisor about their retirement plans," she added.

With auto-enrolment now in place, employers and employees have been forced to face important decisions about how best to prepare.
According to Mr Dundon, The Head of Financial Services at SYS Financial, private pension schemes offer more control, flexibility, and tailored benefits for staff recruitment and retention.
Employers can manage costs and administration more effectively, while employees gain greater access to tax relief, choice in investments, contributions, and retirement options.
"It's fantastic that auto enrolment is being brought in, it's going to improve a lot of individuals' retirement outcomes," he said.

"But for employees, from what we've seen, a private pension is the best fit for them. First of all, it avails of more tax relief, so they can get up to 40% tax relief in a private pension, whereas auto enrolment is 25%".

"It doesn't look like there'll be any advice in auto enrolment, so outcomes could be poorer with the lack of advice, and then the flexibility and choice with regards to how they access their benefits, how they invest it, and when they take their benefits as well, is a little bit more restricted in auto enrolment versus a private pension," explained Mr Dundon.

19/05/2026

The earlier you start a pension.. the better!!

Starting a pension as early as possible is crucial – a person starting at age 35 can expect a pension fund about 80 per cent larger than someone starting at age 45
Many people think membership of a pension scheme will guarantee them an adequate income in retirement, but this is rarely the case. Even with the State’s auto-enrolment scheme, low contribution rates mean that pensions may ultimately not be adequate to meet people’s needs after they leave the workplace.
Pensions take-up is historically very low, says Brian Kingston, senior financial planning manager in RBC Brewin Dolphin’s Dublin office. “Not enough people have even started them, let alone are contributing enough,” says Kingston, adding that there should be a “huge education piece” around the importance of pensions.
He appreciates, however, that people have competing needs, such as education, bills and mortgages. “There is a lot of kicking the can down the road – a lot of people tend to delay starting one, and even those who have one are unsure about how much is in their pension pot.”
The best way to look at it is to consider what level of income you will require post-retirement, Kingston says. “The traditional retirement age is 65, although the State pension only kicks in at 66. If you wanted an income of €45,000 a year, you would need a pot of about a million euro.” For a 25-year-old, this would necessitate monthly contributions of about €500, but for a 45-year-old, it is €2,000 – four times as much.
“The best thing is to start it, understand how it works, make your contributions and try to increase them as much as you can,” Kingston advises.
Shane O’Farrell, director of workplace markets, employer solutions at Irish Life, agrees that it isn’t a “one size fits all” situation. “Pension contributions are a direct percentage of salary, so two people on very different salaries may both be paying in 5 per cent but the end result – or the amount of money they finish up with in their fund – will likely be significantly different in pure euro terms.” He also points out that the required income after work will be largely aligned to the income someone has had throughout their working life.
“As a baseline, we recommend that people aim to have at least one third of their salary as an income when they finish working. But for each of us, it really comes down to the kind of life you want to live and how well you’re likely to be set up financially at that stage,” he says, noting it depends on factors such as whether the mortgage will be paid off or if there are other income sources to supplement the pension.
The cliche is a cliche for very good reason – a person starting at age 35 can expect a pension fund about 80 per cent larger than someone starting at age 45. “The earlier you start, the better, and the longer you can save for, the better too,” O’Farrell says.
For those closer to retirement, there may be the – fortunate – issue of too much in the pension pot. While for most people this is not an issue, O’Farrell says, anything above the standard fund threshold (SFT), which is currently €2 million, can be considered to be “too much” because anything in excess of that is subject to a penal excess tax regime.
Kingston agrees. “Being worried about getting too close to the threshold is a nice conversation to be having with people,” he says. “If you are lucky enough to have a pension pot of €2 million, the effective tax rate on anything above the threshold is effectively 59 per cent, so you have to be very careful if you are in the great position of having that threshold problem and how you manage drawdown.”
After years of consistent reduction, the Government has recently decided to increase the SFT quite significantly in the short term, with four annual phased increases of €200,000 resulting in a new limit of €2.8 million which will likely be in place from January 2029. “Anybody who was previously caught by the limit should speak to an adviser about further opportunities they may have,” O’Farrell says.
“This is a positive change and anyone nearing retirement who is likely to be impacted should get advice to understand the new headroom and ensure they navigate the intricacies as best they can, paying particular attention to the timing of their retirement and the impact of any benefits they may already have taken.”

Really good article from our colleagues in Zurich..Retirement isn’t a number - it’s a planRetirement isn’t as simple as ...
11/05/2026

Really good article from our colleagues in Zurich..
Retirement isn’t a number - it’s a plan

Retirement isn’t as simple as calculating 'the magic number'. It's shaped by:
• Personal goals
• Family priorities
• Health and lifestyle
• Market conditions
• Life expectancy
• Your appetite for risk

Retirement is often described as a milestone but it’s a full financial journey. Retirement today lasts 20+ years on average, involves navigating multiple risks, and demands far more than a simple “how much do I need?” calculation.

Every person’s situation is different, which is why a one-size-fits-all approach simply doesn’t work. Here’s what really shapes retirement outcomes, and why good financial planning matters.

1. Lifestyle choices and 'bucket list' goals

Today’s retirees are more active and live longer. Many have big plans for their early retirement years - from travel to new hobbies to helping children or grandchildren.
These goals impact:

• How much income you need
• How long your pension pot must last
• How you should invest leading up to, and throughout, retirement

With many over-55s holding a significant portion of Ireland’s household wealth*, it becomes even more important to make those assets work effectively. That can be through investing in multi-asset funds like the Prisma range from Zurich, choosing a risk level that suits your needs through the Personalised GuidePath strategy, or maintaining a balanced mix of assets in retirement that can support both day-to-day spending and long-term financial security.

2. Legacy and inheritance planning

Legacy planning is a crucial part of retirement - not just for passing on wealth, but for ensuring clarity, minimising stress for loved ones, and doing so in a tax efficient manner.
At a minimum, every individual should have a professionally drafted Will, reviewed after major life events. Beyond that, there are several practical steps that help shape a thoughtful, efficient legacy plan.
Many people use Small Gift Exemption strategies to pass on €3,000 a year tax-free to children or grandchildren, while Zurich’s Child Savings Plans offer a structured way to build long-term value for younger family members. When a larger estate is involved, Section 72 policies can be used to cover inheritance tax, ensuring beneficiaries mitigate the possibility of an unexpected tax bill.
Business owners can use pensions as part of their future exit strategy and can protect their business from their unexpected loss using corporate succession solutions, such as keyperson and co-director insurance to help ensure business continuity and provide liquidity for buyouts or inheritance needs.
While these decisions are deeply personal, the right combination of tools; a Will, efficient gifting strategies, appropriate policies, and simple investment structures – can ensure your legacy passes smoothly, tax-efficiently, and exactly as intended.

3. Income needs change throughout retirement

Retirement isn’t one long, predictable expense pattern. It evolves - in early retirement, spending typically rises as people travel more, upgrade their lifestyle, or complete major projects. Day-to-day spending usually stabilises as routines settle. In later years, healthcare, support services, and medical costs often increase. Because your needs change over time, your income strategy should change too.
A strong retirement plan includes:
• Flexible drawdown: in years where markets are volatile, you can choose to withdraw income from your lower-risk funds, giving your higher growth funds time to recover instead of selling them at a bad time.
• Taking advantage of strong markets: when equity or multi-asset asset funds perform well, you can draw more income from those funds, naturally trimming gains while keeping other assets untouched.
• Maintaining your target risk level: combining flexible withdrawals with your Approved Retirement Fund (ARF)’s rebalancing feature keeps your investments aligned to your goals.
• A well-managed, flexible income plan can help you make the most of your early years, support greater stability in your middle years, and may better prepare you to meet rising costs in the future.

4. Reserve strategies

A rainy-day fund is essential, even in retirement, because unexpected costs don’t stop once you leave the workforce. Home repairs, medical bills, helping children through financial pressures, or even short-term market downturns can all require immediate access to cash. Without readily available liquidity, retirees may be forced to withdraw from their ARF at the wrong time, potentially locking in losses and worsening sequencing risk.
One of the most important, but least understood, retirement risks is sequencing risk. Two investors with the same average annual return can end up with dramatically different outcomes depending on when market losses occur. Early losses in retirement can significantly shorten how long savings last.
A practical approach is to maintain one to two years of planned income in low-risk or cash-based funds, while keeping longer-term assets invested for growth. This structure ensures there’s always a pool of stable assets to draw from when life happens, without disrupting the long-term investment strategy that underpins retirement income.

5. Longevity risk: a 20+ year retirement

As people live longer, longevity risk has become a major factor in retirement planning. A retirement that lasts 25–30 years means your savings must stretch further, so it’s important to consider whether your fund growth can sustainably support your drawdowns over time.
Multi-asset funds such as the Prisma range, combined with strategies such as Personalised GuidePath and ARF Rebalancing or maintaining a short-term cash reserve, can help keep your portfolio aligned with your goals.
Longer retirements also make inflation more impactful, so choosing investments with built-in indexation or inflation-linked growth potential becomes essential. And because medical and care costs typically rise in later life, it’s worth reviewing your Health Insurance cover and setting aside funds for future health needs or using part of your tax-free lump sum to future-proof your home.
Longevity risk isn’t just about living longer - it’s about ensuring your finances can sustain the lifestyle and security you want for as long as you need them.

6. Medical expenses and health-related shocks

Medical needs in retirement can vary widely, and the financial impact can be significant. Long-term care costs, ongoing medical treatments, and sudden health events can reshape a retirement plan overnight. Rising healthcare concerns mean retirees need protective buffers built into their financial strategy - not only to cover immediate expenses, but also to safeguard long-term income sustainability.
A sensible approach is to maintain a dedicated healthcare contingency fund within your ARF or savings, alongside broader emergency reserves.
Layering in guaranteed income: in mid-to-later retirement, you can choose to convert part of your Approved Retirement Fund (ARF) into an annuity to lock in a guaranteed income for life - reducing pressure on your remaining investment portfolio.
It’s also worth reviewing your protection cover: Serious Illness or Cancer Cover can provide a lump sum that helps manage the financial shock of a diagnosis, while those still working should ensure their Income Protection remains in place up to retirement age to protect their earning power before they retire.
Retirees may also choose to use part of their tax-free lump sum to fund health-related home adaptations or private healthcare needs.

Retirement planning is not just having a pension or choosing between an ARF or annuity - it’s a tailored, ongoing advice journey.
With the right structure, tools and advice - from funding to decumulation to legacy you can build a retirement that is personal and can support your financial future.
Retirement isn’t just about numbers - it’s having reassurance, clarity and confidence. Whether you’re early in your career or fast approaching retirement, now is the right time to reflect, plan, and take control of your financial future.

If you have recently changed jobs, or getting itchy feet in your current job, this is important...Changing jobs is an ex...
28/04/2026

If you have recently changed jobs, or getting itchy feet in your current job, this is important...
Changing jobs is an exciting step. Whether it's for better pay, new opportunities, or a fresh start. But in the middle of updating your CV and learning the ropes in a new role, one important detail often gets overlooked:

What happens to your pension?

The good news is that your pension doesn't disappear when you move jobs. But what you do with it can make a significant difference to your long-term financial future.

Your Pension: Not Lost, Just Left Behind

If you've been part of an employer pension scheme, the money you've built up is still yours when you leave. It remains invested until you decide what to do with it.

However, leaving pensions scattered across multiple employers can lead to:

• Losing track of funds
• Paying higher fees than necessary
• Missed opportunities to optimise your investments

That's why it's worth taking a few minutes to review your options.

Your Main Options (In Plain English)

When you change jobs in Ireland, you'll typically have three choices:

1. Leave It Where It Is

You can simply leave your pension in your previous employer's scheme.

Pros:

• No immediate action required
• Funds remain invested

Cons:

• Harder to keep track over time
• Limited control over investment choices

2. Transfer to Your New Employer's Scheme

If your new job offers a pension, you may be able to transfer your old pension into it.

Pros:

• Keeps everything in one place
• Easier to manage

Cons:

• Not always the most flexible option
• Investment choices may be limited

3. Move It to a Personal Pension (PRSA or Buy-Out Bond)

This is often the most flexible route and increasingly popular.

Pros:

• Greater control over investments
• Ability to consolidate multiple pensions
• Tailored to your personal goals

Cons:

• Requires advice to ensure it's set up correctly

Why This Matters More Than You Think

It might feel like a small administrative detail, but over time, your pension decisions can have a big impact.

For example:

• Lower fees can mean thousands more at retirement
• Better investment choices can improve long-term growth
• Consolidation makes your retirement plan clearer and easier to manage

In short, a quick review now can save you a lot of hassle and potentially boost your future income.

A Common Mistake to Avoid

Many people do nothing when they change jobs. Years later, they end up with multiple small pensions, unclear performance, and no real strategy.

A simple check-in at the time of a job move can prevent this entirely.

The Bottom Line

Changing jobs is the perfect moment to take stock of your pension. You don't need to make complicated decisions, but you do need to make an informed one.

Even a short conversation can help you understand:

• What you currently have
• Whether it's working as hard as it could be
• And what your best next step is

Recently changed jobs, or planning to?

We can review your existing pension(s) and help you decide the best option going forward.

5-Minute Financial Health Check for 2026When was the last time you reviewed your financial situation?If you're like most...
21/04/2026

5-Minute Financial Health Check for 2026

When was the last time you reviewed your financial situation?

If you're like most people, it has probably been a while, and that's completely normal. Life gets busy. But Springtime is the perfect opportunity to pause, reset, and make sure everything is on track.
The good news? You don't need hours.

Here's a simple 5-minute financial health check to help you stay in control in 2026.

1. Are You Saving Enough for Retirement?
Ask yourself one question:
"If I continue as I am, will I have enough to live comfortably later on?"
Many people in Ireland rely heavily on the State Pension, but for most, it won't be enough on its own. Even a small increase in contributions now can make a big difference later, thanks to tax relief and compound growth.

✔ Quick check:
• Do you know how much you're contributing?
• Has it increased with your salary?
2. Do You Know What Protection You Have?
Life Cover, Income Protection, and Specified Serious Illness Cover are there to safeguard you and your family, but only if they're up to date.

✔ Quick check:
• Would your family be financially secure if something happened to you?
• Does your cover reflect your current income and lifestyle?
Many people set up policies years ago and never revisit them.
3. Are You Paying More Than You Need To?
Financial products evolve and so do prices.

✔ Quick check:
• When did you last review your policies or pension fees?
• Could you get better value elsewhere?
A quick review could uncover savings or better benefits without increasing your spend.
4. Have Your Circumstances Changed?
Life rarely stands still. Promotions, mortgages, children, or career changes all impact your financial needs.

✔ Quick check:
• Has your income changed?
• Have your responsibilities increased?
If so, your financial plan should reflect that.
5. Do You Actually Know Where You Stand?
This is the big one.

✔ Quick check:
• Do you have a clear picture of your pensions, savings, and protection?
• Or is it spread across different providers and hard to track?
Clarity is key. Without it, it's difficult to make confident decisions.
Small Check, Big Impact

This quick review isn't about making drastic changes, it's about awareness. Even small adjustments now can:
• Improve your long-term financial security
• Reduce unnecessary costs
• Give you peace of mind

And the earlier you make them, the more impact they'll have.

The Bottom Line
Most people don't need a complete financial overhaul, they just need a quick sense check.
Think of it like a yearly service for your finances:
• A small time investment
• That helps avoid bigger problems later
Want a clearer picture of where you stand?

We offer a simple, no-obligation financial review to help you understand your current position and identify any opportunities.

Why Diversification Matters More Than Ever in Uncertain TimesIf you've glanced at the news recently, you'll have seen no...
14/04/2026

Why Diversification Matters More Than Ever in Uncertain Times

If you've glanced at the news recently, you'll have seen no shortage of global uncertainty. From ongoing geopolitical tensions to the current conflict involving Iran and its knock-on effects on energy prices and global markets.

When headlines like these appear, it's natural to feel a bit uneasy about your investments or pension.
But this is exactly where one of the most important principles in long-term investing comes into play:
Diversification.

What Does "Diversification" Actually Mean?
In simple terms, diversification means not putting all your eggs in one basket.
Rather than relying on a single market, sector, or region, a well-diversified portfolio spreads your investments across:
• Different countries (e.g. US, Europe, emerging markets)
• Different asset types (equities, bonds, property, cash)
• Different industries (technology, healthcare, energy, etc.)

The goal is straightforward:

Reduce risk while still aiming for steady growth over time.
Why It Matters - Especially Now
Global events can have an immediate impact on financial markets.
For example, geopolitical tensions - such as the conflict in the Middle East can:

• Push up oil and energy prices
• Trigger short-term stock market volatility
• Lead to investor uncertainty

We often see sharp movements in major indices like the S&P 500 during these periods.
But here's the key point:

Not all parts of the market react in the same way.
A Simple Example
Let's say:
The S&P 500 (which tracks large US companies) falls by 10% during a period of uncertainty.
If your pension or investment was heavily concentrated in US equities, you might feel the full impact of that drop.
However, a well-diversified portfolio might include:
• Bonds (which can be more stable during market stress)
• European or Asian equities (which may react differently)
• Alternative assets like property or infrastructure

In that case, instead of a 10% drop, your overall portfolio might fall by significantly less, or potentially remain more stable depending on market conditions.
Diversification doesn't eliminate risk altogether, but it helps smooth the journey.

Managing the Emotional Side of Investing
Market volatility isn't just about numbers, it's about how it makes you feel. It's completely normal to feel nervous when markets dip or headlines sound alarming. Many investors are tempted to make reactive decisions. But history shows that reacting emotionally to short-term events can often do more harm than good.
A diversified portfolio is designed with this in mind:
• It reduces exposure to any single shock
• It provides reassurance during uncertain periods
• It helps keep your long-term plan on track

In other words, it gives you a bit more confidence to stay the course.

The Long-Term Perspective
It's worth remembering that market volatility is not new.
Over time, markets have weathered:
• Financial crises
• Political instability
• Global conflicts

And while short-term dips are inevitable, long-term investors who remain diversified and consistent are typically better positioned to recover and grow.

Is Your Portfolio Properly Diversified?
Many people assume they are diversified, but in reality:
• They may be heavily weighted towards one region (often the US)
• Or concentrated in a small number of funds
• Or holding legacy pension plans that haven't been reviewed in years

A quick review can highlight whether your current setup:
• Matches your risk level
• Is spread appropriately across assets
• And is working as efficiently as possible

The Bottom Line
Uncertainty in global markets isn't something we can control, but how we structure your investments is.
Diversification is one of the most effective ways to:
• Reduce risk
• Manage volatility
• And stay focused on long-term goals

And while no strategy can completely avoid market ups and downs, a well-diversified portfolio can make those ups and downs feel far more manageable.
As we've touched on in previous articles, there's never a bad time to take stock.

If you'd like to understand how your current pension or investments are positioned, and whether they're properly diversified, we're here to help.

08/04/2026

Financial Well- being: Building Confidence and Security in Uncertain Times
When people think about money, they often go straight to investment returns or house prices. Yet true financial well-being is broader: it is the sense of security and freedom that comes from knowing you can meet your obligations today, absorb a shock tomorrow and still pursue the life you want. In practical terms, that means four things: control over your daily finances, capacity to cope with emergencies, a clear path toward long-term goals and the confidence that you are on track.
Why it matters now
Irish households have felt intense financial pressure since the pandemic: energy bills, higher mortgage rates and persistent inflation have eroded disposable income. Against that backdrop, financial well-being is not a “nice to have” – it is the cornerstone of resilience. Employers recognise this too: many of our corporate clients now include employee financial-wellbeing programmes as part of their benefits package.

Five practical pillars
1. Know your inflows and outflows
A realistic budget is still the quickest win. Start by separating fixed costs (mortgage, rent, utilities) from flexible spending (groceries, entertainment). Digital banking tools allow you to tag transactions and spot patterns within minutes. Aim for an after-tax savings rate of at least 15 % if you are in your thirties, rising to 20 % by your forties.

2. Build an emergency buffer
We suggest parking three to six months’ essential outgoings in an accessible deposit account. Rates at the Irish pillar banks remain low, however, alternatives exist in the form of non-traditional banks.

3. Tame expensive debt
Credit-card balances and personal loans typically carry double-digit interest. Prioritise repayments here before investing. If you hold multiple loans, consider the avalanche method: tackle the highest cost first while maintaining minimum payments on the rest.

4. Protect what you cannot afford to lose
Life cover, income protection and health insurance sit at the heart of a resilient plan. Remember that State Illness Benefit is €232 per week, so a private income-protection policy can be the difference between pausing and derailing your long-term goals.

5. Invest for tomorrow – and start with pensions
From January 2026 Ireland’s new auto-enrolment scheme, My Future Fund, will bring up to a million workers into pension saving automatically. If you are already in an occupational scheme, use the upcoming launch as a prompt to review your own contributions: additional voluntary contributions (AVCs) still attract valuable tax relief.

Mind the behavioural gap
Even when we know what to do, emotions get in the way: markets wobble, headlines alarm, and we procrastinate. Two strategies help. First, automate: set up Direct Debits or standing orders so that saving and investing happens without relying on will-power. Second, create a written plan. Studies show that households with a formal financial plan accumulate significantly higher net worth than those without.

How we can help
As a regulated advisory firm, we combine technical expertise with coaching. Our first step is to map your current position using various methods. Together we then test “what-ifs” – a career break, a market downturn, early retirement – so you can see in euro and cent how today’s decisions shape tomorrow’s options. The result is a living roadmap, reviewed annually, that keeps you accountable without losing flexibility.

A final word
Financial well-being is not about being wealthy; it is about feeling secure and having choices. By taking a few structured steps – budgeting, buffering, protecting and investing – you can turn money from a source of stress into a source of strength. If you are ready to begin or simply want a second opinion on your current arrangements, we would be delighted to help.

Kevin O’Neill

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