"The four most dangerous words in investing are: 'this time it's different." - John Templeton

Financial Reports

– tuarastal airgeadais

We provide an independent opinion to our clients on a wide variety of financial areas.

These include Pension Reports, Investment Portfolio Reports, Life Assurance Policy Audit Reports, Inheritance Planning Reports and Statements of Affairs. All of our reports are on a fixed fee basis and clients are free to use our report in whatever way they so wish.

Pension Reports

– tuarastal pinsin

If you have recently left employment, are approaching retirement or have a number of different pension plans in place, it can be extremely worthwhile to get an independent opinion on your pension provision. We will assess all your plans and make recommendations on how best to achieve your retirement objectives. We will provide a breakdown of your current pensions, their cost structures, the investment portfolio, what benefits the client could reasonably expect and the options available at retirement. Our advice can make a significant difference in ensuring that your retirement plan is focused on your needs.

Investment Portfolio Reports

– tuarastal infheistíochta

You may have share investments, life assurance savings or investment plans, property investments and deposits. Whatever your investment mix we can assess your overall investment portfolio in terms of risk, tax exposure and liability and prospects for growth. An independent assessment could help you save on tax and plan charges but more importantly could help you redirect resources into areas that are more aligned to your risk profile and redfine what are the investment objectives e.g to provide for childrens education, for captial gain and/or for income.

Life Assurance Audits

– Iniúchadh Árachais Saoil

We assess individuals and their particular circumstances and can tailor our report to your specific needs. If you have existing policies we can detail where these plans continue to fit your needs or where, perhaps, adjustments have to be made. An independent assessment of your position as regards life Assurance, Mortgage Protection, Income Protection and Specified Illness cover could save you money, prevent you been under or over insured and more importantly unnecessary stress in the event of a claim.

Inheritance Planning Reports

– pleanáil oidhreachta

It is now the case that families with modest estates will now be brought into the tax net on death of parents. The rate of tax has also increased from 20% to 33% and may go higher. It is imperative that families ensure that a comprehensive plan is put in place as early as possible. Getting an impartial assessment of your potential liability and possible solutions is critical and a plan should be implemented sooner rather than later.

Statement of Affairs

– ráiteas cúrsaí

We will provide a Statement of Affairs to clients which details all aspects of their current financial situation. Such reports may be required in the event of marriage break-up and divorce or when applying for credit with a lending institution.