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Inheritance Tax Planning

November 3, 2022
Lifestyle Photo

Anyone who owns property or other assets should make a Will. Having an up-to-date Will means your assets will be distributed according to your wishes. More importantly, your family is spared a complicated and drawn-out administration of your estate as set out by the Succession Act 1965. Dying intestate (without making a Will) means your personal […]

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Do you have a pension with a previous employer?

September 8, 2022
Pension with a Previous Employer

When our parents started working it was normal to stay with the same company until you retired. Nowadays it is rare for someone to stay with the same employer for 20 or 30 years. Most of us will have 5 or 6 jobs before we retire, we may even change career 2 or 3 times […]

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How are you saving for your Children’s Future?

August 25, 2022
how are you saving for your children's future

Help your Savings go Further When it comes to your child’s future you want to give them every opportunity possible. When it comes to their education you need to ensure you have enough to support them through their college years. Therefore, with a range of saving & investment options to suit your particular needs O’Leary […]

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In the Hot Seat…. Mary Burke

August 18, 2022

We thought you might like to know a bit more about our fearless leaders, so after much twisting of arms… we persuaded Mary and Cleona, to agree to be profiled for our blog.   First in the hot seat is Mary Burke QFA RPA BA(Hons).   Mary has over 20 years’ experience in financial services […]

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How can you make your money go further…

August 9, 2022
Inflation effect on shopping

Everything is getting more and more expensive – food, energy, even second-hand cars… These elevated inflation rates are due to a culmination of factors including supply chain disruption and labour shortages due to Covid 19, the impact of the war in Ukraine, and increases in energy costs.   Now, more than ever it’s important to […]

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The Top 5 Myths of Life Insurance (and how not to get caught up in the hype…)

July 5, 2022
5 myths of life insurance

When it comes to protecting yourself and your family the most important thing is to get the facts and take the mystery out of your financial protection once and for all. Most people are surprised at how financially exposed they are and the right life insurance policy at the right price can be critical at […]

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Transferring your UK Pension to Ireland

June 29, 2022
UK pension transfer to Ireland

If you live in Ireland but have a British pension or investment now is a good time to review them and consider whether or not to transfer your UK pension to Ireland. As with everything there are pros and cons but the benefits will depend on the type of pension you have.   Most of […]

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Financial Tips for Soon to be Parents

June 9, 2022
financial tips for soon to be parents

Starting a family is a wonderful and exciting chapter in anyone’s life. It also means adjusting to a whole new lifestyle, so a little planning can go a long way towards helping you remain in control of your money. The birth of your first child can put your financial plans awry if you don’t have […]

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Tax Treatments on Investments – What you should consider

May 19, 2022
Tax treatments on investments

By Cleona Kinahan M.Sc CFP® QFA FLIA   No matter what type of savings or investment account you have your money in chances are you’ll be liable for some level of tax on any gains made on your investment – Dirt; Stamp Duty; Capital Gains Tax; Exit Tax. Tax treatments on investments should be one […]

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You can’t manage what you don’t measure!

April 12, 2022
Tax treatments on investments

You can’t manage what you don’t measure. This statement is true for any aspect of your life, but none more appropriate than your finances. Talking about your finances can help people to make better informed financial decisions, feel less stressed, & more in control   Do you need to start saving a little bit more? […]

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Financial Planning for Women Through Different Stages of Their Life

March 8, 2022
Money management for women

Read more about Financial Planning for Women through different stages of their life to find out how you can improve your money management & start your financial plan. Click on the headings below for more detail.   We all need to keep sight of what’s important. The financial choices you make should be determined by […]

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Keeping perspective during stock market volatility

March 3, 2022
what to do about market volatility

The humanitarian crisis unfolding in Ukraine is devastating and extremely distressing. The impact of the Russian invasion of Ukraine has unnerved global markets. Investors worried about recent events and the movement of the markets should not be quick to react. They need to hold tight… now is not the time to get out.   There […]

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Investment outlook for 2022

February 2, 2022
Wealth management in ireland

Warren Buffet once said, ‘the stock market is designed to transfer money from the active to the patient’.  This year, 2022, this advice will be extremely relevant!   Covid 19 has had a severe impact on our economy over the past 2 years. 2021 was tough for many businesses not least hospitality. Many small businesses […]

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10 Reasons to Jump Start Your Financial Future…

January 10, 2022
reasons to jump start your financial future

GET FINANCIALLY FIT for 2022!!!   It’s time to improve your overall financial knowledge Get clear on your options. Taking the time to understand your current financial position will help you identify the challenges that you may face (both now and in the future). The sooner you identify these, the sooner you can remedy them […]

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Where to begin when making a Will

November 2, 2021

Making a Will  Taking the time to draw up a plan for your estate can prove to be one of the greatest legacies you will leave your loved ones. A plan clearly setting out what you’re wishes are and where your most important documents are kept can make it easier for your loved ones and […]

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Tax is likely to be your biggest expense… learn how to control it!

October 6, 2021
Reduce your Tax bill

Tax isn’t a very exciting topic for most people but it does become exciting when you consider how you might reduce your tax bill and put money back into your own pocket simply by making a few small adjustments. This year the income tax return deadline for 2020 is the 31st of October 2021. If […]

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How can you improve your long-term investment opportunities in a volatile stock market.

September 16, 2021
what to do about market volatility

When pursuing long-term financial goals such as saving for retirement or for your child’s education a regular savings plan can provide many potential benefits to investors. However, interest rates being what they are at the moment do not allow for much growth in your savings. So, how can you improve your investment opportunities long-term in […]

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Protecting your Income

July 16, 2021
Protecting your income

Professionals are Failing to Protect their Biggest Asset; Themselves! With years of education behind them, and years of earning potential in front of them, professional individuals are a valuable commodity. But why are so few protecting themselves – financially?  Many professionals are self-employed, adding another layer of financial responsibility to the equation. Despite their significant insurance […]

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Nearing Retirement: Checklist of things to do

July 15, 2021
nearing retirement

Checklist of things to do when you near retirement   It’s a good idea to start planning when you’re nearing retirement age.  Here is a checklist of things to work on now before you retire:   Find your paperwork. Old pensions from previous employers, life cover, current investments, pensions. Some people are very organised, they […]

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What you need to know about starting a pension

July 15, 2021
what you need to know about starting a pension

What do you need to know about starting a pension? People retiring today expect to be much more active than previous generations, so it’s important that you prepare for the life you want to live when you reach retirement age. You may not want to stop working at 66 but you should know what your […]

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The Impact of Inflation on Your Savings & Investments

July 6, 2021
The impact of inflation on savings and investments

Euro saved is a Euro earned! So the saying goes, but thanks to inflation the value of that Euro saved could be a lot less than when you earned it, over time.  The obvious impact of inflation on your savings is that your purchasing power is eroding. This means that if you stash €100 under […]

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Keeping your wealth in the family…

June 18, 2021
Keeping your wealth in he family

Passing on wealth can be a sensitive subject not only because of the financial complexities but also the family emotions and politics it might drag up. In 2020, Revenues net receipts from Capital Acquisitions Tax (CAT) were €505 million. €430 million of this was made up of Inheritance Tax and €71 million was made up […]

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Company Owners avoid the 20% surcharge on your reserves

April 12, 2021
Business owners risk management

Irish companies which are “close” companies are liable to pay a 20% surcharge each year on any investment income (or deposit income) which is not distributed. A “close” company is a business controlled by 5 or fewer participators – i.e. a person who has an interest in the income or capital of a company. Does […]

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10 Things about Money You Weren’t Taught at School…

March 11, 2021
Things about money not taught at school

By Cleona Kinahan M.Sc CFP® QFA FLIA “Schools teach you how to work for money, but don’t teach how to make it work for you.” — Robert Kiyosaki   1. Spend less than you earn This is a discipline. In order to achieve this goal, you have to know where your money is going each […]

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So what are the financial benefits to getting married?

February 2, 2021
Financial reasons to tie the knot

“You don’t marry someone you can live with…  You marry someone you can’t live without” – unknown   Ok so it’s not the most romantic reason for a proposal, but there are many financial and practical reasons to tie the knot. As well as the joy of sharing your life with the love of your […]

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You lose some, you win some… Offset your investment losses against Capital Gains Tax

October 22, 2020
Offset your investment losses

By Cleona Kinahan M.Sc CFP® QFA FLIA Did the Property crash in 2009 affect you? Have you suffered CGT losses in the past that you have forgotten about? Have you ever crystalised a loss on bank shares? Or any shares for that matter? Offset your investment losses against current gains to reduce your tax liability. […]

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What’s All the Fuss About Cash?

August 10, 2020
The impact of inflation on savings and investments

by Cleona Kinahan M.Sc CFP® QFA FLIA   Many of us were brought up to believe Cash is King! that the best way to save money was in your deposit account. Some of you might even be old enough to remember the bank account book that was manually updated when you made a lodgement or […]

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“The quickest way to double your money is to fold it in half & put it back in your pocket”

May 5, 2020
What are you saving for

“The quickest way to double your money is to fold it in half & put it back in your pocket” – Not a bad mantra if you want to start saving, but what then?  What are you saving for? Why are you saving? There’s no point in having money if you’re not going to spend […]

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The only people who get hurt on a rollercoaster are the ones who jump off…..

March 10, 2020
What does the coronavirus mean for Investors?

By Cleona Kinahan M.Sc CFP® QFA FLIA   What does the coronavirus mean for Investors? Stockmarkets across the world continue to tumble as governments struggle to contain the spread and impact of the coronavirus. This is having a significant impact on the value of investments & pensions if they are linked to these markets. So, […]

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What to do when the Markets become volatile?

August 6, 2019
what to do about market volatility

The U.S. stock markets had the worst day of the year yesterday, Monday 5th August, reacting to news of escalating trade issues with China and fears of an economic slowdown. After the Dow closed down 767 points, investors were understandably nervous. However, this morning saw markets rebound as China took steps to ease the currency […]

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Financial Tips for Business Owners

June 21, 2019
Financial tips for business owners.

Some of the key questions for any business owner and company directors to consider include; to what degree do you expect the business to form part of your assets? How do you view your business in the context of your overall financial goals? Here we look at some useful financial tips for business owners to […]

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Are you planning to give a gift of money or other assets to someone other than your spouse or civil partner in the future?

February 7, 2019
People at work in office

Are you aware that the person receiving the gift may be subject to Capital Acquisitions Tax (CAT)?   If you want your beneficiaries to avoid a hefty tax liability, should you decide to pass on your assets during your lifetime, you can set up a Section 73 Savings Policy, recognised by Revenue, to pay this […]

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All content provided in the above blog posts is intended for information purposes only and should not be interpreted as financial advice. You should always obtain your own independent financial and legal advice based on your own particular circumstances, before entering any financial contract.

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