Our Financial Advisors provide financial advice and planning for business owners and employees,
developing tailored strategies using the latest industry technologies to help you achieve your life & business goals.
Freephone (1800) 808-808
Income, Life, Mortgage, Health, Serious Illness Protection
Freephone (1800) 808-808
Our financial advisors are readily available nationwide, offering award-winning financial advice in Dublin and all of Ireland.
Whether you’re looking for money management advice, investment advice or pension advice, you can always rely on us to fulfil your requirements.
Choose below from Wealth Management, Financial Planning or individual services & advice.
Our quote application will gather some vital information to pair you with a financial planner to suit your unique requirements.
We discover your financial goals and provide financial advice on your current financial situation, including risk assessment and where potential savings could be made in your finances.
We will present and explain your financial plan using our state-of-the-art software, allowing you to visualise your current financial situation up to age 100. This will include our proposed strategy to meet your goals within a realistic timeframe.
As your plan is tailored for you, any financial advice or recommendations that are suggested can be put in force by your financial planner if you decide to do so.
When you connect with us, you will have a financial advisor or financial planner for life.Â
Our simple, straight forward approach to all of your money advice queries and approach to financial planning helps you to make the most of your income.Â
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We will visually show you your finances and goals up to age 100 and propose solutions to ensure your goals are on target.
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Financial Planning is a vast landscape, from investments, to protection and retirement. Let us help you to navigate it and feel confident in all money matters.
Everyone's circumstances are different and depending on your age, your priorities may be different.
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Receiving the best financial advice when your circumstances do change, will ensure you are still on track to meet or maximize on your life goals.
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Whether you are looking to start a mortgage, maximise your savings for childrens education or maximising your pension pot, our expert financial advisors will guide you from your very first consultation throughout your life.
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Their financial advice can help you to choose the financial products that suit your goals and life stages, such as maximising on your investment portfolio or insuring your income against illness or injury. Creating a sense of financial wellbeing, no matter your age.
Choosing the right financial advisor is one of thye most important decisions you will make to ensure you have a bright financial future.
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Look at the size of the team, the vast areas of finances they cover, such as money management, investments, mortgages and pensions.Â
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Look at the reviews from clients and if they have a good reputation as a company.Â
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At True Wealth we pride ourselves in our level of service and long-standing client relationships.
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Our advisors are highly qualified in their respected fields and will offer you no-jargon expert financial advice for life, in all areas of your finances.
Pension plans are provided by protection companies in Ireland such as Zurich and Aviva. Generally speaking it's easiest to think of them as savings plans with better tax benefits. If you earn over €36,800 annually you get 40% back on what you pay in. 20% back if less than €36,800. Any growth on your pension fund is tax entirely free.
You could leave the pension where it is, but this means you have less flexibility with it. You could also move it to a new company pension but the best option is generally to move it to a stanalone pension in your own name. This is called a buy out bond. You have the potential to drawdown your pension early by doing this.
A good rule of thumb for a starting point is 10% of your gross salary but it depends on a number of factors such as: when do you plan on retiring, do you already have a pension pot and what age you are when you start. It's always important to consider you receive a 20%/40% tax rebate on your contributions, depending on your marginal rate of tax. It's essential to ask for qualified financial advice when considering your pension contributions.
There's no correct answer to this as it's different for everybody. If you're a company director - an executive pension may make sense. If you're an employee a PRSA or Personal Pension may make sense. An AVC may be suitable for topping up your pension if you already have a plan in place. It's best to speak with our team of financial advisors to discover your most suitable option(s).
Pension plans are provided by protection companies in Ireland such as Zurich and Aviva. Generally speaking it's easiest to think of them as savings plans with better tax benefits. If you earn over €36,800 annually you get 40% back on what you pay in. 20% back if less than €36,800. Any growth on your pension fund is tax entirely free.
We're big fans of Zurich's Child Savings Plus plan. It allows you to put the funds in trust for your children, related children or god-children. When the policy is assigned to the child you will avail of "gift tax" savings. Return on investment in our experience is much more rewarding than a bank.
Ensure you have peace of mind knowing your child will have a head start with college, their first home or car by starting a Children's savings plan today.
If you plan to invest for more than 3 years, the insurance companies we work with offer better returns than banks. If it's less than 3 years, stick with the bank. There are many funds to choose from and everyones financial circumstances are different, so it's best to speak with us first.
