By Caroline Hartigan BFS CFP® QFA Here’s something the financial planning industry in Ireland doesn’t say nearly enough. A technically perfect retirement plan can still leave a person miserable. We’ve seen it. A well-funded ARF, a clear drawdown strategy, income mapped out to the euro – and someone sitting across from us six months into retirement […]
What Happens to You When Work Stops Read More »
By Mary Burke BA (HONS), QFA RPA You’ve spent 30+ years building your career, raising your family, doing everything right. The pension contributions, the mortgage payments, the school fees, the careful budgeting. Now the kids have moved out, you’re at the peak of your earning years, and you’re finally in a position to focus on
Time, Not Just Money – How Financial Planning Gives You Your Life Back Read More »
By Cleona Kinahan M.SC CFP® QFA FLIA Here’s what nobody tells you about the hidden phases of retirement planning: retirement isn’t failing because people don’t have enough money. It fails because they’re using a one-size-fits-all plan for a 30-year journey with four completely different financial terrains. The financial services industry sells retirement as a single
The 4 Hidden Phases of Retirement Nobody Talks About Read More »
By Caroline Hartigan BFS CFP® QFA Most people approaching retirement planning Ireland aren’t short on information. What they lack is certainty. They’ve built pensions. They’ve saved consistently. Many have cleared debts and reached a point where, on paper, things look fine. Yet a low-level sense of unease often hangs around. Decisions feel heavier than expected.
How Much Is Peace of Mind Worth in Retirement? Read More »
By Mary Burke BA (HONS), QFA RPA A couple I worked with not long ago had everything a financial planning textbook would applaud – no debt, solid pensions, a clear estate plan. Yet when it came to stepping away from work, the question wasn’t “how much”, it was “what now?” It’s a moment we
Stop Asking “Will I Have Enough?” Read More »
By Cleona Kinahan M.SC CFP® QFA FLIA After more than two decades in financial planning, one thing has become clear: the biggest influence on wealth isn’t the market – it’s behaviour. Money decisions are never just about numbers. They’re shaped by emotion, habit, and the stories we tell ourselves about what money means. These
Why We Do What We Do With Money Read More »
By Caroline Hartigan BFS CFP® QFA If you’re in your 30s or early 40s and building wealth at pace – growing a business, scaling your career, investing smart – chances are you’ve had that creeping thought: Should I be doing more to prepare for retirement? You wouldn’t be alone. For many financially focused individuals,
Retirement Planning for Wealth Accumulators in Ireland Read More »
By Mary Burke BA (HONS), QFA RPA If you’re in your 40s, 50s or early 60s, there’s a good chance your financial life has become more complex than you expected – even if you’ve done well for yourself. You’ve worked hard, built up savings, perhaps bought property, maybe even grown a business. The kids
The Real ROI of Financial Planning in Ireland Read More »
By Cleona Kinahan M.SC CFP® QFA FLIA Can I be honest for a moment… – ‘retirement’ feels like the wrong word for what’s next, doesn’t it? For many of our clients in their 50s and 60s, retirement isn’t about stopping. It’s about redesigning. Shifting from building wealth to making your money work for you.
Financial Planning Over 50 – Don’t Plan for Retirement. Plan for Life. Read More »
By Mary Burke BA (HONS), QFA RPA You’re sitting at your kitchen table on a Sunday evening, laptop open, staring at your pension dashboard. The numbers look good on paper, but there’s something still nagging at you… The spreadsheets show progress. The pension’s growing. The investments are performing. But you still catch yourself wondering:
Why Smart Professionals Make Poor Financial Decisions Read More »