Financial Advisor Edenderry and the Midlands

Financial Advisor Edenderry

Local pension, investment and financial planning advice

Dooley Insurance Group provides professional financial advice to individuals, families, company directors, business owners and self employed professionals through our Edenderry office.

Our financial services team provides advice across pensions, PRSAs, retirement planning, investments, income protection, life insurance, mortgage protection and business protection.

Whether you are starting your first pension, reviewing plans from previous employment, preparing for retirement or looking to protect your income and family, we will help you understand your current position and the options available.

Arrange a Financial Consultation Through Our Edenderry Office

Financial advice in Edenderry

Financial advice should begin with a clear understanding of your circumstances.

At Dooleys, we review the different parts of your financial position before discussing individual products or recommendations.

Your financial review may include:

Income
Existing pensions
Savings
Investments
Mortgage and debts
Family responsibilities
Business ownership
Income protection
Life insurance
Retirement plans
Short and long term financial goals

This allows us to identify gaps, explain potential risks and develop a more coordinated financial plan.

Our financial services team

Clients using our Edenderry office have access to the experience of the wider Dooley Insurance Group financial services team.

Conor Swan, QFA, RPA, SIA, BSc Management

Conor Swan is a Director of Dooley Insurance Group and one of the group’s senior financial advisers.

Conor has worked across banking, mortgages, insurance and financial services since 1993.

His experience includes:

Pension planning
Retirement planning
PRSAs
Investments
Life insurance
Income protection
Business protection
Financial planning for company directors

Email: conor@dooleyinsurances.com

Phone: 086 222 0940

David Renwick, QFA, RPA, SIA, PTP, FPRA

David Renwick is a Senior Financial Consultant with Dooley Insurance Group.

David has worked in the insurance and financial services industry since 2000.

His experience includes:

Pensions
PRSAs
Savings
Investments
Retirement planning
Life insurance
Income protection
Personal financial protection

Email: david@dooleyinsurances.com

Phone: 086 144 7584

Pension advice Edenderry

A pension is intended to help provide an income when regular employment or business earnings stop.

Our financial services team helps clients:

Start a personal pension
Open a PRSA
Review an existing pension
Assess current contributions
Review pension charges
Understand investment funds
Review pensions from previous employment
Consider pension consolidation
Prepare for retirement
Understand retirement income options

There is no single pension arrangement that is right for everyone.

The most suitable approach depends on your age, income, employment status, existing benefits, intended retirement age and future income requirements.

Arrange a Pension Review

Reviewing an existing pension

Having a pension does not necessarily mean that you are on track for the retirement you want.

Your income, family circumstances and retirement plans may have changed since the pension was arranged.

An existing pension review can examine:

Current pension value
Regular contributions
Employer contributions
Investment funds
Level of investment risk
Policy charges
Existing guarantees
Projected retirement value
Intended retirement age
Available retirement benefits

We will explain whether the pension remains aligned with your objectives and whether any areas require attention.

Pensions from previous jobs

If you have changed employers during your career, you may have several pensions with different schemes or providers.

It can become difficult to keep track of what each pension is worth, where it is invested and what benefits may be available.

We help clients identify and review:

Occupational pensions
Defined contribution pensions
PRSAs
Personal pensions
Personal Retirement Bonds
Additional Voluntary Contributions
Previous director pension arrangements

It may be possible to consolidate certain pensions, but this is not automatically the right decision.

Existing guarantees, charges, investment options and retirement benefits must be examined before a transfer is considered.

PRSA advice Edenderry

A Personal Retirement Savings Account, commonly known as a PRSA, is a flexible pension arrangement available to employees, self employed people, company directors and people who are not currently working.

Our PRSA advice can include:

Starting a PRSA
Reviewing an existing PRSA
Regular contributions
Once off contributions
Employer PRSA contributions
Standard and Non Standard PRSAs
Investment fund selection
PRSA charges
Transfers into a PRSA
Retirement options

The right PRSA depends on your income, contribution plans, investment preferences, retirement age and need for flexibility.

Pension advice for self employed people

A self employed person may not have an employer automatically arranging or contributing to a pension.

This means that responsibility for retirement planning rests with the individual.

We work with sole traders, contractors, consultants, tradespeople, farmers and other self employed professionals to consider:

Personal pension options
PRSAs
Regular and once off contributions
Potential pension tax relief
Investment funds
Pension charges
Retirement targets
Income protection
Business and personal cash flow

The pension should be affordable and realistic, particularly where business income changes throughout the year.

Retirement planning Edenderry

Retirement planning is the process of working out when you may be able to retire, how much income you are likely to need and how your pensions and other assets may support you.

A retirement planning review can consider:

Your intended retirement date
Existing pensions
Savings and investments
Expected living costs
Mortgage and other debts
Potential State benefits
Retirement lump sum options
Approved Retirement Funds
Annuity options
Investment risk during retirement
Family and estate considerations

We bring these areas together to create a clearer picture of your expected retirement income.

How much will you need in retirement?

There is no standard amount that everyone needs for a comfortable retirement.

Your required income will depend on:

Housing costs
Household bills
Mortgage repayments
Travel and leisure
Healthcare
Family support
Existing debts
Preferred lifestyle
Other sources of income
How long retirement may last

We begin with the retirement you want and compare the expected cost with your existing pensions, savings, investments and other assets.

If a potential shortfall is identified, we can discuss the practical options available.

Investment advice Edenderry

You may be considering investing a lump sum, building long term savings or creating an additional source of retirement income.

Before discussing an investment, we assess:

Your financial objectives
Investment timeframe
Need for access
Emergency savings
Existing investments
Attitude to risk
Capacity for loss
Family commitments
Investment charges
Tax considerations

All investments involve risk. The value can rise or fall, and you may receive back less than the amount invested.

Our role is to help you understand the investment options available through our agency appointments and explain the risks, costs and conditions involved.

Arrange an Investment Consultation

Investing an inheritance or lump sum

Receiving an inheritance, selling property or accumulating substantial savings can create an important financial decision.

Before investing a lump sum, it is important to consider:

Any immediate tax liability
Debt repayment
Emergency savings
Short term spending requirements
Investment timeframe
Need for access
Existing pensions
Retirement plans
Attitude to risk

You do not need to invest everything immediately.

Part of the money may need to remain accessible while another portion is considered for longer term investment.

Income protection Edenderry

Income protection can provide a regular replacement income if an eligible illness or injury prevents you from working and you meet the policy conditions.

It may be particularly important for:

Self employed people
Contractors
Company directors
Tradespeople
Farmers
Professionals
Employees with limited sick pay
People with mortgages
Parents with dependent children

An income protection review considers:

Earnings
Employer sick pay
Existing cover
Deferred period
Required benefit
Occupation
Policy cessation age
Medical history
Financial commitments

The purpose is to protect the income that supports your household and long term financial plans.

Life insurance Edenderry

Life insurance can provide a lump sum if an insured person dies during the policy term and the claim is valid.

The payment may help a family:

Repay debts
Replace lost income
Meet household expenses
Support dependent children
Cover education costs
Maintain the family home
Manage funeral expenses

The right level of life cover depends on income, mortgage, debts, dependants, existing savings and workplace benefits.

We compare the life insurance options available through our agency appointments and explain the policy structure, premium and conditions.

Mortgage protection Edenderry

Mortgage protection is designed to repay the outstanding balance on a mortgage following the death of an insured borrower during the policy term and a valid claim.

For most people buying a principal private residence in Ireland, the lender will require suitable mortgage protection.

We help first time buyers, home movers and mortgage switchers compare available mortgage protection options.

Applications should be started early, particularly where there is an existing medical condition or complex medical history.

Specified illness cover

Specified illness cover, also known as serious illness or critical illness cover, can provide a lump sum following diagnosis of an illness listed in the policy.

The diagnosis must meet the insurer’s medical definition.

The payment could help:

Replace income
Repay debt
Cover household expenses
Fund treatment or rehabilitation
Support time away from work
Create an emergency reserve

Specified illness cover is different from income protection.

Specified illness cover pays a lump sum following a qualifying diagnosis. Income protection pays a regular benefit following an eligible inability to work.

Financial planning for company directors

Company directors often have personal finances that are closely connected to the performance and value of their business.

Our financial planning for company directors can include:

Director pension planning
Employer PRSA contributions
Personal investments
Executive income protection
Life insurance
Specified illness cover
Key person insurance
Shareholder protection
Business loan protection
Retirement planning
Business exit planning
Succession planning

The aim is to help the director build personal financial security while protecting the value and continuity of the company.

Financial planning for farmers

A farm may provide income, property, business value and a future inheritance for the next generation.

Financial planning for farmers may need to consider:

Personal pensions
Retirement income
Farm succession
Partnership arrangements
Life insurance
Income protection
Specified illness cover
Business borrowing
Family provision
Savings and investments
The transfer of the farm
Financial support for children not inheriting the farm

Farm succession involves financial, legal and tax decisions.

Financial planning should be coordinated with the family’s accountant, solicitor and tax adviser where required.

Business protection Edenderry

Dooley Insurance Group provides business protection advice to local companies, partnerships, farms and professional practices.

Business protection may include:

Key person insurance
Shareholder protection
Partnership protection
Business loan protection
Personal guarantee protection
Executive income protection
Corporate specified illness cover

If the death or serious illness of one person could significantly affect revenue, ownership or business continuity, that risk should be assessed.

Insurance may provide funding, but shareholder and partnership protection can also require legal agreements and professional tax advice.

What happens during a financial consultation?

The first consultation is focused on understanding your circumstances.

We discuss:

Income
Existing pensions
Savings and investments
Mortgage and debts
Family responsibilities
Business interests
Existing insurance
Retirement plans
Financial priorities

You may be asked to provide recent pension statements, investment information or policy schedules.

Once the available information has been reviewed, we will explain your current position, identify potential gaps and discuss the options that may be available.

Any relevant costs, charges, risks and policy conditions will be explained before you make a decision.

Why choose a local financial adviser in Edenderry?

Financial planning is not a once off transaction.

Your needs may change when you:

Change employment
Become self employed
Start a company
Buy a home
Have children
Receive an inheritance
Take over a family business
Approach retirement
Transfer or sell a business
Experience a change in health

An ongoing relationship with a financial adviser makes it easier to review these changes and keep your financial arrangements aligned with your goals.

Visit our Edenderry office

Dooley Insurance Group
64 JKL Street
Edenderry
County Offaly
R45 FV02

Phone: 046 973 1218

Email: info@dooleyinsurances.com

Contact our team before visiting to arrange a suitable consultation time with a financial adviser.

Financial advice from our Edenderry office

Our Edenderry office supports individuals, families, self employed professionals, company directors, farmers and businesses in Edenderry and surrounding areas.

These include:

Edenderry
Rhode
Daingean
Tullamore
Clara
Birr
Portarlington
Portlaoise
Kinnegad
Mullingar
Enfield
Prosperous
Clane
Kildare Town
Trim
County Offaly
County Kildare
County Meath
County Westmeath
County Laois

Contact our Edenderry office to confirm the most suitable way to arrange your financial consultation.

Why choose Dooley Insurance Group?

Dooley Insurance Group is an established Irish brokerage founded in 1957.

Our Edenderry office provides access to advice across pensions, retirement planning, investments and financial protection.

Clients choose Dooleys for:

Qualified and experienced financial advisers
An established local office
Advice for individuals and businesses
Access to a wide panel of financial and insurance providers
Clear explanations
Ongoing financial reviews
Personal claims support
Coordinated personal and business financial planning

Our aim is to build long term client relationships based on understanding, transparency and professional advice.

Financial adviser Edenderry questions

What does a financial adviser do?

A financial adviser reviews your income, pensions, savings, investments, debts, financial protection and goals before recommending suitable financial actions or products.

Where is the Dooley Insurance Group Edenderry office?

Our office is located at 64 JKL Street, Edenderry, County Offaly, R45 FV02.

Does Dooleys provide pension advice in Edenderry?

Yes. Our financial services team provides advice on personal pensions, workplace pensions, PRSAs, pension consolidation and retirement planning.

Can I review pensions from previous jobs?

Yes. We can review pension statements, benefits, charges and transfer options before discussing whether consolidation may be suitable.

Does Dooleys provide investment advice?

Yes. We provide investment advice based on your objectives, timeframe, access requirements and attitude to risk.

Can self employed people arrange a pension?

Yes. A self employed person may be able to arrange a personal pension or PRSA and claim tax relief on qualifying contributions, subject to current Revenue rules.

Does Dooleys provide financial planning for farmers?

Yes. Financial planning can include pensions, retirement income, protection, investments and financial preparation for farm succession.

Does Dooleys advise company directors?

Yes. We provide financial planning for company directors, including pensions, PRSAs, investments, income protection and business protection.

Can I arrange income protection through Dooleys?

Yes. We compare income protection options available through our agency appointments for employees, self employed people and company directors.

Does Dooleys provide mortgage protection?

Yes. We help homebuyers and existing mortgage holders compare mortgage protection options and complete the application process.

How much does financial advice cost?

Costs depend on the type and complexity of the advice required. Applicable fees, charges or commission arrangements will be disclosed before you proceed.

What should I bring to a financial consultation?

Recent pension statements, investment information and details of existing policies can be helpful. Our team can confirm the documents required before the meeting.

How often should I review my financial plan?

A financial plan should be reviewed regularly and whenever your income, employment, family circumstances, business or long term goals change.

Arrange a financial consultation through our Edenderry office

Whether you need pension advice, retirement planning, investment advice or financial protection, Dooley Insurance Group can help you understand your position and available options.

Contact our Edenderry office to arrange a financial consultation.