RIAI

Royal Institute of the Architects of Ireland

As Qualified Financial Advisors we recommend having a financial review on a regular basis, during which we discuss your objectives, review your current situation, identify any areas for improvement and prepare a plan that meets your objectives.

This review is likely to consider the following :
WHERE DOES ALL THE MONEY GO ? :
Analysis of your Monthly Income & Expenditure (Bank statements )to understand where your money goes

LIFE COVER:
How much cover do you have? Is this at competitive cost? (cost today is lower than 5 years ago ) .
How much cover do you need? Are your dependants well provided for ? Independent assessment can be provided .

SPECIFIED ILLNESS COVER:
Do you have any? How much does it cost?
How could this benefit you and your dependants in the event of Serious Illness?

INCOME PROTECTION:
Income protection provides an Income in the event of being unable to work due to Illness or Accident and is tax deductible at up to 41%.
Fewer than one in five have cover . We recommend cover - without it , how would you manage to pay your Mortgage , for food and other monthly bills in the event of long term Illness or Accident?

PENSION:
Are you contributing to a scheme at present? If so, do you know how much of a Pension it would provide for you in retirement?
Is this adequate? Are you getting full tax relief on the Premium cost?
If not contributing to a scheme, how do you start? How much do you need to contribute?

INVESTMENT:
Do you have an Investment strategy? What Investment products are available?
Which Investment products are right for me? What is your attitude to risk?
If you already have your own Investment portfolio, we can provide an independent review and advise on it's performance.

YOUR HOMELOAN:
What interest rate are you paying? Is it competitive? Are you obtaining full Tax Relief at source?

INVESTMENT PROPERTY:
What interest rate are you paying? Is it competitive? Or are you being charged a Premium because it is Investment Property?
Are you getting a deduction for all allowable expenses against Rental Income for tax purposes ?

OTHER DEBT AND TERM LOANS:
What interest rates are you paying? How is it impacting on your Cash flow?
Does it make sense for you to consider debt consolidation and have one single monthly payment at much lower rates?

TAX : Is your tax situation up to date ? Have you obtained relief for all areas of expense ? and maximised deductions for Life cover , Income protection , Medical expenses , Pension and other ?

LAUNCH OFFER , SPRING 2010 - INITIAL FINANCIAL CONSULTATION FREE OF CHARGE
Obtain discount of 50% for a Full Financial Planning review