Sunrise Financial Planning

Sunrise Financial Planning Sunrise Financial Planning - Irish family business providing Lifestyle Financial Planning Services

Best of luck to all Junior Cert and Leaving Cert students as they head into their exams. You've got this😍 🍀
02/06/2026

Best of luck to all Junior Cert and Leaving Cert students as they head into their exams.

You've got this😍

🍀

Budgeting tells you where you money is going. Cashflow Planning tells you where your life is going. There is a big diffe...
21/05/2026

Budgeting tells you where you money is going.

Cashflow Planning tells you where your life is going.

There is a big difference!

A good Cashflow Plan brings together your income, your assets, your spending and your goals – and shows you whether the life you want is actually within reach. Its not about restriction. Its about clarity.

When you know your numbers tell a good story, you can stop second-guessing every decision and start living with a little more confidence.

If you would like to see what your future picture looks like reach out to us for a chat. We offer a 15 min complimentary call to guide you through our process.

These are the questions we get asked most. Do any of them sound familiar?Real questions. Real answers. No guesswork. ...
15/05/2026

These are the questions we get asked most. Do any of them sound familiar?

Real questions. Real answers. No guesswork.


Everyone's idea of "enough" is different. 💛💛Before we ever look at numbers with a client, we start with a much more impo...
12/05/2026

Everyone's idea of "enough" is different. 💛💛

Before we ever look at numbers with a client, we start with a much more important question....

What does "enough" actually mean to you?

Its not what your parents had.
Its not what your friends seem to have.
It is what YOU need to feel secure and live the life you want.

That's where real financial planning begins.

As your financial adviser, one of the most important things I can do is help keep you and your hard-earned money safe — ...
30/04/2026

As your financial adviser, one of the most important things I can do is help keep you and your hard-earned money safe — so today I want to talk about something that’s affecting more and more people in Ireland = Financial Fraud. Financial fraud is on the rise – with online fraud up by 120% last year! Scammers are getting smarter every day, and unfortunately anyone can be a target.

Here are a few things to watch out for:

Investment scams – If someone promises you guaranteed high returns with little or no risk, walk away. If it sounds too good to be true, it almost always is! Watch out for ‘cloned firms’ scam where fraudsters steal the identity and branding of companies to deceive clients.

Pension scams – Be very wary of anyone you don’t know contacting you about your pension out of the blue. More recently scammers have been using AI to impersonate celebrities to encourage you to top-up your pension fund.

Impersonation fraud – Fraudsters can pretend to be your bank, Revenue, or even your financial adviser. Always verify before you act. More recently criminals posed as agents from the Financial Intelligence Unit Ireland, requesting confidential information.

Phishing emails & texts – Don’t click links in unexpected messages asking for personal or financial details. Think of the ‘Hello Mam or Dad’ texts where they pretend to be your son or daughter in difficulty.

Urgency & Pressure – Phrases like “Act now” or “Your account is frozen” are designed to rush you. Scammers use high pressure so you’ll make a mistake before you have time to think or do your research.

A few simple rules:......

- Never give out passwords, PINs or account details over the phone or by email.

- If in doubt, hang up and call back on an official number.

- Enable two-factor authentication or set up a ‘passkey’ on all online financial and personal accounts.

- Use fraudsmart.scamchecker.ie to check websites or other links, or go directly to a company’s official website rather than clicking a link.

- Sign up to fraudsmart.ie for the latest alerts around fraud.

- Take the SAFE test first before you buy a product with a firm.
S = STOP
A = ACT
F = FACTCHECK
E = EXPOSE & REPORT

Remember to report anything suspicious to the Garda National Economic Crime Bureau or the Competition and Consumer Protection Commission (CCPC) immediately.

If something ever feels off about a financial offer, even if it seems legitimate, feel free to run it by me. And if you know someone who could use this advice, pass it along!

Our Claims Specialist, Deirdre, has put together a short article on Income Protection and why it matters and how it co...
23/04/2026

Our Claims Specialist, Deirdre, has put together a short article on Income Protection and why it matters and how it could protect you and your family. Well worth a read if you've ever wondered whether it's right for you. 👇

""Having worked in Sunrise over 20 years, I’ve witnessed a remarkable shift in how people view income protection. The scepticism that once clouded this conversation has given way to genuine understanding—people now recognise it for what it truly is: a vital financial lifeline.

In this article, I’m focusing on Aviva—one of Ireland’s leading income protection providers and the insurer with the longest claims track record in this space. The numbers they’ve published tell a compelling story.

2025 Snapshot: The Numbers That Matter
* €51 million paid out in claims by Aviva in 2025
* 93% of claims approved
* 7 years — the average length of an income protection claim
* 34 years — the longest single claim in Aviva’s history

Top Reasons People Claim:
• Mental health conditions
• Musculoskeletal issues (e.g. back and joint pain)
• Cancer and serious illnesses

Who is Claiming?
In 2025, women accounted for 54% of income protection claims, with men making up 46%. This difference is notable—and a reminder that income protection is equally relevant regardless of gender, profession, or age.

Why Income Protection Matters?
If illness, injury, or accident stops you from working, income protection steps in—replacing up to 75% of your income. Unlike state benefits, it offers genuinely comprehensive support, including rehabilitation services designed to help you return to work sooner.

And here’s the good news: the Government makes it more accessible than many people realise. You can claim up to 40% tax relief on your premiums—making it a far more affordable safeguard than most expect""

With more providers entering the Irish market, competition has never been greater—which means now is one of the most cost-effective times to put cover in place.

Get in touch with us today to find out more—we’d love to help you find the right cover.

*Eligibility terms & conditions apply and subject to medical underwriting.

As a financial planner, people often come to me focused entirely on the numbers. Their mortgage, their pension and their...
17/04/2026

As a financial planner, people often come to me focused entirely on the numbers. Their mortgage, their pension and their rainy day fund. All important.

But real financial planning starts somewhere different and asks
"What kind of life do you actually want to live?"

Most people haven't stopped to truly answer that. And that's exactly where I start. Because once you know what a life well-lived looks like for you — the numbers become a tool, not a destination.

New research from the Health Insurance Authority caught my eye last week!Seven out of ten people with a health insurance...
30/03/2026

New research from the Health Insurance Authority caught my eye last week!

Seven out of ten people with a health insurance policy have never switched provider or plan, and 82% don’t even shop around at renewal. On average, people stay on the same plan for 20 years — which is remarkable when you consider that premiums rose from €1,827 to €1,902 last year alone, with some rising considerably more! The most common reason people give for not switching is satisfaction with their current cover, followed by a belief that savings would be limited. In my experience, neither is usually true. Nearly half of those surveyed feel recent premium increases are unjustified — the highest level of dissatisfaction in a decade — yet only 4% actually switched provider last year.

What many people don’t realise is that there are four providers in the Irish market — VHI, Laya Healthcare, Irish Life Health and the newer Level Health — between them offering hundreds of plans. With that much choice, there is almost always a better option out there than the one you’re sitting on.

If you haven’t reviewed your health insurance recently, it’s worth a conversation with your provider. You may be paying more than you need to!

Tips:

1.Review annually like you would for your car or house insurance. ‘Ring your provider and ask them if they have something similar that gives you the same benefits, not identical and at a lower premium ?’ according to Dermot Goode of Health Insurance Ireland.

2. Ask for a Corporate plan. These are often marketed towards employers but can be taken out by individuals. They may suit you requirements and save you up to €398 annually.

3. Consider the excess on your plan. The larger the excess the more money you can save. Generally if you are healthy and don’t expect frequent hospital stays, this can be a smart trade-off.

4. Visit the Health Insurance Authority website and use their comparison tool which offers free, impartial advice… hia.ie/health-insurance-comparison.

⭐️🎉 Happiest of birthdays to Gráinne - the best reaction ever! ⭐️🎉
22/03/2026

⭐️🎉 Happiest of birthdays to Gráinne - the best reaction ever! ⭐️🎉

Wishing you a Happy St. Patrick's Day! 🍀Financial planning isn't down to luck — it's about building a strong plan for yo...
17/03/2026

Wishing you a Happy St. Patrick's Day! 🍀

Financial planning isn't down to luck — it's about building a strong plan for your future.

🍀

Address

Unit 9 Steamboat Quay, Dock Road
Luimneach
V94X7V7

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Thursday 9am - 5am
Friday 9am - 4am

Telephone

+35361412388

Website

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