What is an AMRF?

What is an AMRF?

As I’ve said before, pensions are boring, complicated and full of jargon. But as they are central to how comfortable (or not) our retirements will be, it’s really important to know the basics. If you have a private pension (ie, anything other than the State Pension)...

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Too Much Cash

Too Much Cash

The late Ken Dodd once revealed (in court) that he kept £336,000 in cash stashed in suitcases in his attic. I have two immediate thoughts on this story. First, he is not the only one whose wealth is less than it should be as a result of being incredibly risk averse as...

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The Value of Independent Financial Advice

The Value of Independent Financial Advice

Do you need a Financial Advisor? Yes. You do. We all do. Why? Because expert independent financial advice will save you from making poor financial decisions and guide you towards a consistent and disciplined investment strategy. But don’t just listen to me, here’s the...

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Probate in Ireland

Probate in Ireland

It’s not a subject we like to dwell on but it is important to know what happens to our money after we die. Knowing the processes involved (and how long they take) is a great motivation to structure our finances in a way that makes it as easy as possible for our...

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What is an Annuity?

What is an Annuity?

Many people will have heard pension conversations mention the words Annuity and ARF without understanding (or not being interested in) what they actually mean. So here goes. When you retire your pension fund first provides you with a tax free lump sum. You will...

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How Much Do I Need To Retire?

How Much Do I Need To Retire?

A question I get asked countless times is, how much do I need to retire? While there is no exact answer, and certainly not one figure that applies to everybody, there are two methodologies we can use to come to a conclusion. The Salary Method You’ll probably have seen...

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A Financial Advisor’s Guide to Downsizing

A Financial Advisor’s Guide to Downsizing

Downsizing your home is a big decision that requires plenty of thought and planning. A large home and garden is wonderful for raising a family but it may not be the right place for you once the kids have flown the nest. Downsizing is often a very attractive...

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Our First Big Money Mistake

Our First Big Money Mistake

Our big financial errors vary by age but a recent Wall Street Journal article highlights a big money mistake than young people are making today – they are not taking enough risk. The table below is taken from that article and shows that millennials are holding as much...

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How to Save

How to Save

Saving money rather than spending it gives us no instant gratification but it is the road to eventual financial freedom. Here are some tips on how to get there. Have a budget. Make a note of exactly where your monthly income goes. Aim to have both a spending and...

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