Mark Cahill Financial Services

01/05/2026

https://lnkd.in/gCjFez_u
A few useful information sessions on different tax heads for "over 65's". With 4 sessions in Dublin on 19th/20th May in 1 and others in Kilkenny & Limerick, its a good opportunity to use the free pass and refresh tax knowledge.

19/04/2026

Designed for contractors, company directors and small business owners who want to review existing or previous pension arrangements, employer funding, retirement planning issues and overall structure.

18/04/2026

Investment Risk indicator scale explained.
A lot of investors see a pension fund rated 3, 4, 5 or 6 on the familiar 1–7 risk scale and its worth paying attention to..
That scale is the PRIIPs / Summary Risk Indicator used in Key Information Documents. It is designed to help compare investment products on a standardised basis, using a scale from 1 to 7. It is widely seen across retail investment and pension-linked products, but it is only a starting point, not a full suitability assessment.
My plain-English view:
1 = very low risk
Often cash-like or highly defensive. Lower volatility, but not “no risk” and not a guarantee that inflation will not erode real value.
2 = low risk
Generally cautious, with limited expected swings.
3 = low to medium risk
A moderate step up in uncertainty. Often where cautious investors start taking some growth risk.
4 = medium risk
Balanced territory. More movement, but often where long-term pension savers are comfortable.
5 = medium to high risk
Growth-focused. More equity exposure, more volatility, and a greater need for time and discipline.
6 = high risk
Strong upside potential, but with material drawdown risk.
7 = very high risk
The widest range of outcomes. Very volatile, usually undiversified, not for faint hearted, investors can lose all their money in extreme cases.

Your age and time horizon for your investment are massively important factors when choosing your risk profile, while underscores the importance of regular reviews for your personal and pension investments.

31/12/2025

I hope everyone had a nice and peaceful christmas. Thanks to all for continued support throughout a busy 2025. To give soimething back, a corporate donation was made to a worthwhile cause, that is the healhcare service that never stops. Wishing all a great 2026.

08/11/2025

Revenue agree to extend return for LPT to 12th November.

On 07/11/2025), Revenue confirmed strong engagement from property owners with thousands of Local Property Tax (LPT) returns already filed for the 2026–2030 valuation period.

16/10/2025

"100,000 workers could lose out by signing up for My Future Fund instead of company pension schemes" is the message in this article by Anne-Marie Walsh in todays Independent.... Most employers are educated about how the auto-enrolment system will play out now and are willing to provide a better retirement plan than auto-enrolment.
Although my experience is some small employers think it's their choice to implement auto-enrolment or not (and have no retirement facility whatsoever as an option).. thats not true.... if there isn't an employer based scheme with either employer or employee contribution going through payroll, your staff are being auto-enrolled!!
Shout out to the employee waiting for something to happen, my advice is ..be proactive or your hashtag , (whos main concern is running a business) might let you get auto-enrolled.. simply because none of the staff asked about an alternative !! Email your employer, hashtag department or hashtag facility and ask if company contribution can be directed into a PRSA that you can manage with help from your financial advisor or broker.
I welcome queries too at [email protected] as soon it'll be January... and if you're auto-enrolled, its a 6 month wait to opt-out and even then, there's no opportunity to transfer benefits from Auto Enrolment into PRSA or company type pension plan.
Act now folks!!:-)

This link will take you to a page that’s not on LinkedIn

03/10/2025

At European Level, SIA (Savings and Investment Accounts) are being proposed as part of todays Financial Literacy Strategy, proposed by European Commission. The proposed blueprint demonstrates lots of positives like thematic areas of investments permitted like green, , social, and defence.. but not very, very high risk investments like derivatives & crypto. Also putting the taxing of such investments into hands of investment providers make it easier for personal investors to remain tax compliant, in the same manner as with their pension investments.
https://lnkd.in/gq7x3TFV

30/09/2025

Keeping track of old share investments can be tricky for those selling stocks that are historically owned, whereby disposer of shares has file and pay obligations under self assessment with Revenue.

Knowing what the shares cost is a biggie and keeping contract note on file somewhere allows for calculation of gain upon disposal to see if there's a liability to tax or not.

Also filing obligation of capital gains is something most people aren't even aware of, which isn't surprising if disposer has been a PAYE worker for entire life with minimal exposure to previous reporting obligations.

Dominic Coyne gives whistle top tour of whats important to know when dealing with such scenario in today's Irish Times.

Basic elements for taxation purposes are date and price when shares were bought and sold

09/09/2025

Important legislation to help cancer survivors to complete mortgage application, with mortgage protection being a blocker because of previous health history following someone or their spouse.. I agree.. 5 years "right to be forgotton" legislation allows cancer survivors plan for family life better with 5 years legislated as opposed to 7 years.

Cancer survivors and campaigners are calling on the Government to ensure the 'right to be forgotten' is enshrined at five years in forthcoming legislation.

25/07/2025

https://www.revenue.ie/en/tax-professionals/tdm/income-tax-capital-gains-tax-corporation-tax/part-04/04-01-22.pdf

Interesting to read about how celebrity infuencers are taxed and its certainly not a free lunch, like many had thought!!

Where an item, other than money, is received as consideration for services then it is treated as income and will be taxed on the value of the item received.

An individual may also receive unsolicited goods and services in circumstances where the individual is not obliged to provide any service in return and where a charge to income tax does not arise, the receipt of the goods or services may constitute a taxable gift for CAT purposes.