常见问题解答

We are Financial Advisers and Brokers. This means that we give advice in a wide range of Financial Fields. If you need help with Life Assurance or Financial Protection, Pensions, Investments or Savings Plans, we will provide you with qualified options from the best providers in the market. It is common in Ireland for Insurance Companies to give us an Introduction fee for arranging your plan with them. This will pay our fees, which means that, in most cases, we will not be required to charge you a Fee. If you need more thorough Financial Planning, such as Budgeting or Debt Management, we will discuss our fees prior to engaging with you, but we would prefer to do a no-obligation assessment before this would happen.   

There are multiple ways to get in touch with us. Go to the About Us page if you would like to choose an Adviser that you thing might be more suitable for you. You will find phone numbers or email addresses. Alternatively you can complete a form on this site and we will get in touch.

Both. When your requirement is simple, we can in most cases arrange your business online. During COVID, we found ways to improve this experience. While we find it important to get a good grasp of your financial circumstances before we can make a recommendation, this can sometimes be done via Zoom/Teams and email. Our long-term philosophy is to develop a lifelong relationship, guiding you through all financial hurdles in life, so we find regular face to face meetings help cement this relationship.

当然。我们的目标是成为您长期的财务顾问，随时为您解答疑问。 我们始终陪伴客户成长：从步入成年期，到育儿阶段，再到退休规划、遗嘱安排及下一代传承。当您设立保单、养老金或投资计划时，我们会与保险或投资公司签订长期服务协议——这意味着在保单有效期内，我们将持续获得其支付的佣金，以确保您的需求得到全程保障。

关于人寿保险、疾病保障及养老金规划，我们秉持完全独立的立场。我们能为您提供爱尔兰市场所有产品的专业建议，并协助您选择最契合需求的解决方案。 在投资领域，我们遵循"最佳建议"原则，仅推荐符合您需求与实际情况的投资方案。根据爱尔兰中央银行规定，为确保投资建议的完全独立性，我们本应向您收取服务费。但我们更倾向于从合作投资公司获取佣金，并坚信此举不会影响我们的公正性。 

Talk it through with us first. Due to our vast experience with our clients, and the reputation that we have earned in this time, we frequently have clients referred to us by Accountants and Solicitors. If we find a case that is more suited to one, we will let you know, and can often recommend a suitable adviser should you need it.

We take your trust extremely seriously. We will not disclose your information to any other person or organization, without your express consent. For example, we may have to disclose some of your health information to an Insurance Company in order to process an application for Life Insurance – therefore we would ask you to sign a consent for this. As part of our Central Bank Authorisation, we have undertaken to abide by Data Protection and GDPR rules, which is for your benefit.

Our staff are professional advisers, not salesman (or saleswomen). If you ask us for information in relation to our services, we believe it is because you are aware you need help on something. It is part of our philosophy to give you time to analyse any information we give you, but we will follow-up to see if you need any further help. Our time and services are valuable – we will provide a certain amount of help without looking for payment – but we will have an expectation that you will engage us to put your plans in place when you are ready. If you are looking for information for free and do not plan to take any action on your needs, then we are probably not the right people for you to contact. 

Just the same as if we were dealing with a family. If we identify a need or service where we can get our fee paid by the Company we arrange the business with, this is our preference. If we are writing a Business Plan or arranging Trusts, we may charge a fee. Once we have enough information to see how much work will be involved, we will give you a quote before proceeding.