Source: Irish Independent    Published: 08/06/2015  Where there’s a will there’s a relative, the age-old black-humour gag has it. But inheritance is in reality an extremely serious business which often enough compounds grief and loss with stress and economic duress. Those who have lost a loved one can in fact also face a bill for […]

What Happened last Week Global equities (in euro terms) fell back as European equities lost all of the previous week’s gains. The Greek debt situation is now very much centre-stage. Euro currency weakness has significantly enhanced returns for eurozone investors in 2015, Equities continue to be supported by the expectation of reasonably strong corporate earnings’ growth […]

Over recent years there has been a big change in the landscape surrounding inheritance and estate planning. Unfortunately for us we are faced with declining thresholds and increasing tax rates. If we skip back a few years to 2008. A parent could pass €521,208 to each son or daughter without incurring any tax liability. The […]

As a self-employed individual you have probably already made hundreds of decisions today. When you are self-employed, you have to. They are often automatic: part and parcel of your everyday working life.As a business owner you have to balance short term and long term needs, such as cash flow and long term growth. Retirement planning […]

There’s a fight brewing in Washington. While fighting in Washington isn’t new, the cause of this particular fight might shock you. People are arguing about financial advice.  The traditional financial services industry doesn’t follow a uniform standard of care. When you visit a bank, an insurance broker, a credit union or an independent adviser, the way you […]

I came across a very interesting article this morning that was published in the Irish Mirror. It highlights the fact that people in Ireland are no in fact living longer and relatively more healthy lifesytles, yet tehy continue to save less for their retirement! 24Th Feb      Brian Hutton  Irish Mirror Deaths of professional […]

Why do I need Business Protection? Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft. However, there are many other circumstances that can have damaging and lasting consequences for your business. Indeed, without the right kind of protection, your business, even your family’s finances, could be in […]

  What loan-to-income (LTI) restrictions on residential mortgage lending is the Central Bank introducing? A LTI limit of 3.5 times gross annual income applies to all new lending for principal-dwelling homes (PDH) purposes. This limit should be exceeded by no more than 20 per cent of the euro value of all housing loans for PDH […]

For The majority of individuals retirement planning is something that is put on the long finger. As an adviser you hear every excuse imaginable in relation as to why an individual doesn’t need to plan for retirement. Typically if you are not already planning for retirement you will fall into one of the below excuse […]

Are you fed up waiting for your fund to change direction? If you find yourself in a situation where your fund charges are outweighing your returns then the below might be of interest to you. While deposit accounts used to provide individuals a guaranteed steady growth rate on their savings we no longer have that […]