Protecting against what is certain and what is possible

Protecting against what is certain and what is possible

The soon-to-be renamed Sunday Supplement is with you on a Thursday. Today I’m encouraging you to critically analyse various policies you’ve accumulated over the course of your life which may not make sense anymore.

Read More

Retirement Series, Part 2; Understanding the Basics

Retirement Series, Part 2; Understanding the Basics

As part of our ongoing ‘Retirement Box Set’, we move on to outlining some of the basic ingredients required before you submit your request to retire.

Read More

Three questions to ask yourself when thinking about retirement

Three questions to ask yourself when thinking about retirement

A sound financial plan for retirement can’t be designed unless you have a clear view of what retirement is going to look like. Most of us are clear on what we are retiring from, but do we know what we are retiring to? I have three questions for you this week.

Read More

What’s his is mine, right?

What’s his is mine, right?

60% of women in the US over 65 are single, divorced or widowed. In Ireland, with women living on average 4 years longer than men, and the small but growing divorce rate, there is a strong likelihood that women will need to, for at least some of their later years, live by their own means. Are you prepared?

Read More

Why financial advice needs to be tailored to You

Why financial advice needs to be tailored to You

Situations that superficially appear to be similar may be drastically different when they are delved into. Doling out the same advice in these circumstances could lead to devastating result in each case.

Read More

Seven signs it’s not the time to retire

Seven signs it’s not the time to retire

One from the archives but a timeless classic, even if I do say so myself! Here are seven reasons to stay in the rat race a little longer.

Read More

Is a DB Pension for Life?

Is a DB Pension for Life?

Do you have a defined benefit (DB) pension scheme? The buzz in the financial world is that there are attractive transfer values up for grabs if you were to bring an end to your defined benefit pension. But why would you? This morning I look at what you should you do if you’re offered a lot of money to transfer out of your DB.

Read More

Things to consider before buying property through your SSAP

Things to consider before buying property through your SSAP

“I want to buy a property through my pension” came the statement from my client. “Okay, but what’s the ultimate goal?’, I asked. “Return” was the answer. We delved a little deeper and it turns out the client shuddered to think about the hassle attached to owning rental properties. If you want to buy a property for “return”, you may as well familiarise yourself with all the options especially through a pension structure.

Read More

Are you going to end up old and broke?

Are you going to end up old and broke?

If you’re impacted by the snow this week, here’s a read to keep you occupied. We explore the issues with living too long – yes, you heard me correctly. Have a read and let me know if you know of anyone that has been faced with the challenges I outline.

Read More

Hidden fees on pension schemes will erode your wealth

Hidden fees on pension schemes will erode your wealth

A couple of weeks ago I outlined my growing concerns for an industry that presents itself as trading on trust and transparency, yet nothing could be further from the truth. The FT is reporting that from January of next year, a new regulatory crackdown in Britain will force asset managers to come clean on hidden fees and charges. Finally.

Read More