Blog

We were asked this question recently by a client to whom we were recommending a Specified Illness policy. Our answer was that should she suffer one of the serious illnesses covered by the policy, she was preventing financial concerns being heaped upon the worries she would have about her health, at the time of trying to get better. Not having to worry about money would be invaluable at that time of significant stress. The “cost” of the policy would be the premiums paid for

As our clients move through different stages of their financial lives, a noticeable shift tends to occur. The focus gradually evolves from immediate financial needs toward longer-term planning, particularly around retirement and increasingly, the efficient transfer of wealth to the next generation. This naturally leads to more structured conversations about estate planning. At its core, estate planning is not just about tax, it is about clarity of purpose. What is your weal

Over the years, in conversations with our clients across Ireland, I’ve noticed something subtle but important. Very few people actually set out saying, “I want to have the biggest possible investment portfolio.” What they say instead is, “I want to feel secure.” Or, “I’d like to slow down at 60.” Or, “I want to help the children, but not at the expense of our own lifestyle.” Or simply, “I don’t want to worry about money.” Yet somewhere along the way, financial planning so

If you’ve changed jobs a few times, worked abroad for a spell, or moved from PAYE employment into self-employment, there’s a decent chance you have one or more “forgotten” pensions sitting quietly in the background. In Ireland, the UK and further afield, workplace pensions are often set up automatically and then left behind when you move on. Years later, people remember “I had something with that employer”, but the paperwork is gone, the provider has merged, and the pension b

As we settle into 2026, many households are looking for ways to strengthen their finances, reduce any money-related stresses, and make real progress toward long-term goals. After several years of pretty buoyant markets, higher inflation and some important tax changes, it’s a good time to take stock and reset. Financial freedom doesn’t happen overnight, but it does happen when you take a series of well-chosen steps consistently. Below are six high-impact actions you can tak

In today’s world, information has never been more available. At the tap of a screen, we can access market updates, investment tips, AI-generated forecasts and a constant stream of financial opinions through social media, podcasts and online forums. While this flood of information can feel empowering, it has also made one thing clearer than ever: good financial outcomes are rarely achieved through information alone . That is why personalised, human financial advice has never

Every year, the Budget brings a mix of progress and frustration for Irish savers, investors and business owners. Budget 2026 was no different, delivering some small steps forward, but also many issues still left unaddressed. As your financial adviser, part of our job is to help you make the most of the rules that exist today. But another part of our role is to keep highlighting where those rules fall short, especially where they discourage sensible saving, long-term investm

Photo by Morgan Housel on Unsplash One of the foremost writers in the personal finance space today is Morgan Housel, author of the bestselling book The Psychology of Money and many essays under The Collaborative Fund blogs. He has also contributed widely to The New York Times and The Wall Street Journal . We like his writing because his advice is usually simple and practical and applies to us all! To give you a sense of the best of his thinking, we’ve pulled together 12 g

For many people in Ireland, the 31st of October looms each year as the critical self-assessment tax deadline. Whether you’re a PAYE...

It is probably fair to say that we know instinctively that consumers achieve better outcomes when they get financial advice. But maybe...