Financial Advisor Naas and Leinster

Financial Advisor Naas

Local financial advice for clients across Leinster

Dooley Insurance Group provides professional financial advice to individuals, families, company directors, business owners and self employed professionals throughout Leinster.

From our Naas office in Millennium Park, our financial services team supports clients across Kildare, Dublin, Meath, Wicklow, Laois, Offaly, Westmeath, Longford, Louth, Carlow, Kilkenny and Wexford.

Whether you are starting a pension, reviewing existing investments, approaching retirement or protecting your family and income, we will help you understand where you stand and what options may be available.

Arrange a Financial Consultation

Financial advice from our Naas office

Financial planning brings your income, pensions, savings, investments, debts and protection arrangements together within one coordinated plan.

At Dooleys, we begin by understanding your current position and what you want to achieve.

Your financial review may consider:

Existing pensions
Retirement goals
Personal savings
Investments
Income protection
Life insurance
Mortgage protection
Specified illness cover
Business ownership
Company director pensions
Family responsibilities
Long term financial objectives

The purpose is not to recommend a financial product before understanding your needs.

It is to identify the areas that require attention and explain the available options clearly.

Meet our financial services team

Our financial services team includes experienced and qualified professionals working across pensions, investments, retirement planning and financial protection.

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 in the insurance, banking, mortgage and financial services sectors 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, including roles with insurers and brokerages.

His experience includes:

Pensions
PRSAs
Savings
Investments
Retirement planning
Life insurance
Income protection
Financial protection

Email: david@dooleyinsurances.com

Phone: 086 144 7584

Pension advice Naas and Leinster

A pension should provide a clear route towards the income you may need when you stop working.

Our financial advisers help clients across Leinster:

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

There is no single pension that is suitable for everyone.

The correct approach depends on your age, income, employment status, existing pension benefits, retirement age and the lifestyle you want later in life.

Arrange a Pension Review

Retirement planning Naas and Leinster

Retirement planning is about more than checking the current value of your pension.

You need to understand when you may be able to retire, what income your existing arrangements could provide and how long your money may need to last.

A retirement planning review can consider:

Your intended retirement date
Existing pensions
Pensions from previous jobs
Personal savings
Investments
Expected retirement expenditure
Potential State benefits
Retirement lump sum options
Approved Retirement Funds
Annuity options
Investment risk after retirement
Financial protection for your family

We help you bring these different areas together and identify any potential gap between your expected retirement income and the lifestyle you want.

PRSA advice Naas and Leinster

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 financial services team provides advice on:

Starting a PRSA
Reviewing an existing PRSA
Personal contributions
Employer contributions
PRSA investment funds
Standard and Non Standard PRSAs
PRSA charges
PRSA transfers
Additional Voluntary Contributions
Retirement options

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

Pension consolidation

If you have changed jobs, you may have several pensions held with different schemes or providers.

Combining pensions may make them easier to manage, but it is not always the right decision.

An older pension could contain guarantees, valuable benefits or favourable terms that may be lost following a transfer.

Our pension consolidation review examines:

Current pension values
Existing guarantees
Policy charges
Investment funds
Level of risk
Transfer values
Retirement benefits
Death benefits
Early retirement provisions
Available transfer options

We will explain whether consolidating, transferring or leaving each pension where it is may be more appropriate.

Investment advice Naas and Leinster

Investing should begin with a clear objective.

You may want to invest a lump sum, build long term savings, supplement retirement income or make better use of money currently held on deposit.

Before discussing an investment, we assess:

Your financial goals
Investment timeframe
Access requirements
Existing savings
Emergency funds
Attitude to risk
Capacity for loss
Investment experience
Personal and family commitments
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 explain the options available through our agency appointments and help you understand the risks, costs and conditions involved.

Arrange an Investment Consultation

Income protection

Your income supports your mortgage, household bills, pension contributions and standard of living.

Income protection can provide a regular replacement income if illness or injury leaves you unable to work and you meet the terms of the policy.

Our income protection review considers:

Your earnings
Employer sick pay
Existing cover
Financial commitments
Required benefit
Deferred period
Policy cessation age
Occupation
Medical history
Guaranteed or reviewable premiums

Income protection may be particularly important for self employed people, company directors and employees with limited sick pay.

Life insurance

Life insurance can provide a lump sum to your family, dependants or another nominated recipient if you die during the policy term and the claim is valid.

The appropriate level of cover depends on:

Household income
Mortgage
Personal debts
Number and age of dependants
Education costs
Existing savings
Workplace death benefits
Pension benefits
Existing life insurance
How long financial support may be required

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

Mortgage protection

Mortgage protection is designed to repay the outstanding balance on a mortgage if an insured borrower dies during the policy term and a valid claim occurs.

For most people buying a home in Leinster, a mortgage lender will require suitable mortgage protection before releasing the mortgage funds.

We help first time buyers, home movers and mortgage switchers compare mortgage protection options and complete the application process.

It is advisable to apply early, particularly where an applicant has 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 be used to:

Reduce debt
Pay household expenses
Replace lost income
Fund treatment or rehabilitation
Make changes to the home
Build an emergency reserve

Specified illness cover should be compared carefully because illness definitions, partial payments and additional benefits can differ between insurers.

Financial planning for company directors

Naas and the wider Leinster region are home to a large number of company directors, professional practices and owner managed businesses.

A company director’s personal finances are often closely connected to the performance and value of the business.

Our financial planning for 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 objective is to help the director build financial security outside the company while protecting the value and income generated within it.

Financial planning for self employed people

Self employed people may not have access to employer pensions, sick pay or death in service benefits.

They are responsible for creating their own financial protection and retirement arrangements.

We help sole traders, contractors, consultants, tradespeople and other self employed professionals consider:

Personal pensions
PRSAs
Income protection
Life insurance
Specified illness cover
Emergency savings
Investments
Retirement planning
Business overheads
Succession or business sale

The plan should reflect the reality of variable income and the financial demands of running a business.

Business protection

Dooley Insurance Group provides business protection advice to companies, partnerships and professional practices throughout Leinster.

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 one person is essential to a company’s revenue, operations or ownership, the financial effect of losing them should be assessed.

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

What happens during a financial consultation?

The first meeting is about understanding you.

We discuss:

Your income
Existing pensions
Savings and investments
Mortgage and debts
Family circumstances
Business interests
Financial protection
Retirement plans
Short and long term goals

Where appropriate, we may ask you to provide pension statements, policy schedules, investment information or details of existing cover.

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

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

Why choose a financial adviser based in Naas?

Our Naas office gives clients across Leinster access to a financial services team that can support both personal and business financial planning.

Your financial needs may change when you:

Change employment
Become self employed
Start a company
Buy a home
Have children
Receive an inheritance
Increase your income
Approach retirement
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 connected to your goals.

Financial advice throughout Leinster

Our Naas office provides pension, investment, retirement planning and financial protection advice to clients throughout Leinster.

We work with individuals, families, self employed professionals, company directors and business owners across:

County Kildare
County Dublin
County Meath
County Wicklow
County Laois
County Offaly
County Westmeath
County Longford
County Louth
County Carlow
County Kilkenny
County Wexford

Our clients are based in towns, cities and communities throughout the province, including:

Naas
Newbridge
Kildare Town
Maynooth
Celbridge
Dublin
Tallaght
Swords
Blanchardstown
Bray
Greystones
Wicklow Town
Navan
Ashbourne
Trim
Drogheda
Dundalk
Mullingar
Athlone
Longford
Tullamore
Portlaoise
Carlow
Kilkenny
Wexford
Enniscorthy
Gorey

Consultations can be arranged through our Naas office for clients across the province.

Why choose Dooley Insurance Group?

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

Our Naas office provides access to advice across financial planning, pensions, investments and insurance.

Clients choose Dooleys for:

Qualified and experienced financial advisers
A long established presence in Naas
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
Financial services across Leinster

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

Visit our Naas office

Dooley Insurance Group
6B and 6C Sycamore House
Millennium Park
Osberstown
Naas
County Kildare
W91 K466

Phone: 045 431642

Email: info@dooleyinsurances.com

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

Financial adviser Naas questions

What does a financial adviser do?

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

Where is Dooley Insurance Group located in Naas?

Our Naas office is located at 6B and 6C Sycamore House, Millennium Park, Osberstown, Naas, County Kildare, W91 K466.

Does the Naas office serve clients outside Kildare?

Yes. Our Naas financial services team supports clients throughout Leinster, including Dublin, Meath, Wicklow, Laois, Offaly, Westmeath, Longford, Louth, Carlow, Kilkenny and Wexford.

Does Dooleys provide pension advice?

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 available 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 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. Any applicable fees, charges or commission arrangements will be disclosed before you proceed.

Do I need to bring documents to the first meeting?

It can be helpful to provide recent pension statements, investment information and details of existing policies. Our team can confirm what is required before the consultation.

How often should I review my financial plan?

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

Arrange a financial consultation through our Naas office

Whether you need pension advice, retirement planning, investment advice or financial protection, the Dooley Insurance Group team in Naas is here to help.

Our Naas office serves individuals, families and businesses throughout Leinster.