I’m delighted to serve as your own Private Financial Advisor here at Clevermoney. If there is anything you wish to speak to me about you can book an appointment anytime by clicking the Book an Appointment just below.
Often over time it is easy to loose or misplace your pension, insurance or other policy documents. As a result you may not be 100% of the exact details of your policy. If you have lost of misplaced any of your policy details not to worry. Simply fill out the form below and i will send you a copy of your policy documents.
As part of our service to our clients we offer a reduced cost Will writing service to clients who have active policies with us. If you haven’t already done so you can start the process here.
Once a year, it’s wise to take a fresh look at your finances to ensure you’re keeping costs low and making the most of your hard-earned money. Book your full financial review with Liam today using the link below.
Your mortgage is often your largest financial commitment and biggest monthly expense. The good news? You could be saving money on both your mortgage repayments and mortgage protection premiums. Use the mortgage calculator below to see how much you might save.
Pensions can be complicated, but we’re here to make them simple. If you don’t have a pension, we can help you set one up. If you already have one, you might be paying more in fees than you realize—many people do because the true cost isn’t always clear. We’ll review your fees and assess the risks your pension fund manager is taking to ensure your money is working as hard as you do.
Life insurance is essential for anyone with dependents, but figuring out the right cover can be overwhelming. How much coverage do you need? What type of policy is best? How long should it last, and what should it cost? We’re here to help answer all these questions. To find out more, use the life cover calculator below.
If you don’t have income protection, you should seriously consider it, as your income is essential to all your goals and responsibilities. If you already have income protection, it is important to ensure that your policy’s income benefit matches your other sources of income. This prevents overpaying for a policy you may not be able to fully use. An income protection review is recommended at least once every three years.
According to Zurich, it will cost approximately €60,000 to put a child through a four-year college degree. If you can afford it, setting up a college fund is a very smart move. By setting aside your child’s children’s allowance and investing it in a college fund, you could cover most of this cost.
Investing comes with risks, but we want to ensure you earn a return on your hard-earned money while keeping risks to a minimum. One key factor that is often overlooked in investing is the impact of fees and taxes on your returns—these costs are often hidden. Seeking professional advice before you begin can make a significant difference in your investment outcomes.
Inheritance Planning: Most of us will need inheritance advice due to the significant increase in home values over the past decade. If inheritance planning begins early in life, there is a greater likelihood that no tax liability will arise when you pass on your assets. Don’t delay in booking an inheritance planning review—future generations of your family will be grateful.
Many companies now pay part of their employees’ salaries in the form of stock options. It can be challenging to know what to do with these options once your vesting period is complete. There are tax implications if you choose to sell your options, but this liability can often be offset with careful planning and strategic advice.
