What can a financial advisor help you with?

A mortgage is a loan secured against a property — usually paid back over 20-35 years. A Advisor compares lenders for you, manages the paperwork and often gets exclusive rates the banks don't advertise.

A pension is a long-term, tax-relieved savings pot for retirement. You get income tax relief on contributions (up to 40%) and the fund grows tax-free. A Advisor helps you pick the right structure (PRSA, personal pension, executive pension) and the right funds.

Protection insurance pays out a lump sum or income if something serious happens — death, serious illness, or being unable to work. A Advisor shops the market to get the right cover for your family at the right price.

Building wealth through regular savings or investing lump sums. Insurance-based investment products give access to a wide range of investment solutions, with the insurance company handling your tax obligations along the way.

A holistic projection of your future wealth — pulling income, pensions, savings and the State pension into one plan. The foundation for long-term goal setting, including ARF vs annuity and tax-free lump sum decisions.

Inheritance planning helps you pass on your home, savings and investments to the people you choose — while keeping Capital Acquisitions Tax (CAT) to a minimum. A Advisor works alongside your solicitor on structures like Section 72 life cover, gifting strategies and trusts.

Ongoing discretionary or advisory management of an investment portfolio — asset allocation, rebalancing, risk monitoring and regular reviews. Typically for larger or more complex holdings where hands-on oversight adds value.

Structured products are investments linked to indices, equities or interest rates, designed to target a defined outcome over a fixed term — often with capital protection or an enhanced yield feature.