Hardiman Life & Pensions

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Hardiman Life & Pensions

We specialise in life insurance reviews, pension reviews & investment advice.

We also provide a comprehensive financial planning service incorporating all aspects of an individual’s financial affairs.

19/11/2024

Really enjoyed contributing to the Irish Times article today to give some insights into the financial impact of taking a career break. If you're finding your current role stressful or you want to spend some more time with your family, it's a very relevant topic! Here are our 6 key take aways from the article

1. Understand your "why" before deciding on a career break.
2. Financial planning will relieve any potential anxiety and allow you to make the most of your time off.
3. When you exchange money for time, you can be more efficient with your spending and reduce your (financial) burn rate.
4. If you are lucky enough to have Revenue approved share options through your employer, make full use of these and it could potentially fund a career break in the future.
5. Consider the benefit of personal fulfilment now & improved health in exchange for a lower pension payout in the future (or ask your pension advisor how to fund the shortfall).
6. Stay in touch with your network, try new things and upskill.

04/07/2024

A big Happy 40th Birthday to the boss man himself .daniel 🥳🥳

21/04/2024

Can't beat an irish family wedding 🤩! Thanks for all the well wishes, lizzy had a ball!

Response times were still a bit slow earlier in the week 😂

You have to celebrate the good times!

11/04/2024

Wishing our lizzy and the scan Jason Devane all the best for their big wedding day tomorrow!

Dad would be very proud of you lizzy and will be with us in spirit

Please forgive us but response times may be slow the next few days as we close the office to celebrate this wonderful occassion!!

13/10/2023

Our sister is getting married this weekend🥳

Best of luck Marie and Greg, we can’t wait for the celebrations😊

There will be a very special person missing tomorrow but we know he will be with us in spirit telling us all to enjoy every second of the day. Dad would be so proud of you Marie 💕

11/10/2023

Budget 2️⃣0️⃣2️⃣4️⃣

02/10/2023

🗞️Daniel was asked for his input on this topic in this weeks Irish Times Newsletter👏🏻

Log in to the Irish times and have a read. “Unretirement” is becoming more and more popular due to inflation, economic uncertainty and a growing ageing population.

“Unretirement ” refers to the growing number of people who reach the age of pension benefits, but choose to continue working or return to work.

Daniel has made a few great key points here and is definitely worth a read.

29/09/2023

🔹Everyone has been told by a family member or friend to start investing early. Aside from the obvious benefit of giving yourself more time to save, there's another more silent factor at play that makes starting early so important. That's compound interest.

Simply put, compounding is earning interest on your interest. If you invest €1000 in year 1, a 5% rate of return will leave you with €1,050 at the end of the year (€50 in interest). In year 2, if your investment earns that same 5% return, your €1,050 becomes €1,102.50 (€102.50 in interest). Over long enough periods of time this compounding effect can make a big difference.

Invest small sums of money on a regular basis and let the compound interest go to work for you.

30/08/2023

📚For the week that’s in it and all of the kids back to school, here are some financial tips to teach your children.

Teaching your children about money is an essential life skill that can benefit them for all of their lives. It’s never too early to start this journey with them.

Featuring our nephew’s Paudie and Luke Vahey. Today is Luke’s first day in big school😊

31/07/2023

8️⃣0️⃣% of those who use financial advice own a pension, compared to 35% who have not sought financial advice.

🔹Brokers Ireland latest research report 2023

28/07/2023

👵🏻The average pension pot is valued at €130,525 for those who sought financial advice by comparison to €82,230 for have not sought financial advice-50% difference for those who sought financial advice.

🔹Brokers Ireland latest research report 2023.

24/07/2023

🔎Brokers Ireland welcomes the latest 2023 research report on the value of professional financial advice.

The report findings clearly illustrate that such advice benefits consumers in terms of better outcomes in:

🔹Financial protection
🔸Higher return in savings/ investments
🔹Improved pension provision and
🔸More self-assured financial confidence and well-being.

I will share some of their findings over the next week.

Address

Dublin Road
Tuam
H54WY07

Telephone

+3539370007

Website

http://www.hardimans.ie/

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