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Personal Financial Planning

What is Fianncial Planning:
  • Financial Planning is making a plan or plans to protect your assets, mainly your income, and to finance your life goals. Your life goals might be, education, your retirement date or sailing the seven seas - whatever your goals are, they will likely need funding!
  • Financial planning will take account of (a) your current income and assets; (b) your outgoings and liabilities; (c) the plans you have in place to both fund your life goals and to protect your assets.
  • Financial Planning can take a holistic view and include a full plan or it can be product specific e.g. Pensions - Life Cover -  Specified Serious Illness - etc.
  • Financial planning is an essential part of life and should be carried out annually or where there are changing circumstances that may affect you personally.




Retirement – at retirement, your income ends or reduces significantly. Protect your income with a Retirement Plan

Illness – an illness may stop your income or reduce it and/or the cost of your illness may eat into your income. Protect your income with Income Protection Insurance and/or Specified Illness Insurance

Death – If your income contributes to the household then it needs to be protected with Life Cover. If your business would suffer financially due to your death, then your business needs to be protected with Life Cover.

Do Not get RID of your IncomeProtect it

Use the Budget Calculator to see what your income pays for

Budgeting for savings made easier with this budget calculator provided by Zurich Life

PRODUCTS > Pensions – Life Cover – Illness Cover – Income Protection
TAX PLANNING > Plan for Inheritance and Gift Tax



  • Consider your goals in life - home; family; education; career; business; travel; hobbies; retirement; etc. 
  • Then consider how you would fund these goals?
  • Consider the impact of retirement, illness or death.


  • Find out where you are and where you need to be.


  • Get an overview of your goals and cover needs.



  • When you know where you stand, it's easier to plan where to go next.


  • Get personalised relevant information in your Financial Planning Report.


  • Relax, and enjoy the security that comes when you're fully informed.

If you earn an average of €65,000 per annum over 40 years, then you will earn a total of €2,600,000.
You will pay 20% or 40% of this in tax. At current rates =  €520,000 or €1,040,000 over 40 years.

Don’t let this money slip through your hands, fund your life plans, keep some for yourself in later life.
This can also get you some tax back by way of approved retirement plans.

Warning: If you invest in these products, you may lose some or all of the money you invest
Warning: The value of your investment may go down as well as up
Warning: Returns may be affected by changes in currency exchange rates