Using our state-of-the-art planning software, we allow you to visualise your current situation up to age 100.
True Wealth
We will execute your personal / business financial plan to ensure you're set to meet your goals in the agreed timeframe.
You can check in to your investments or pensions at any time to see how they're performing.
It was a pleasure to talk to Eimear and get my financial plan. Now I have a better understanding of my finances and I'm able to save more money and plan for the future. She also advised having a children's savings plan to save for my child’s college education.
They were almost 20% lower than my usual financial advisors best price and my usual advisor could not even get close on price. A saving of almost €20 a month for 20 years is well worth having.
As a first time buyer I had no clue when it came to mortgage applications however Bernadine was very patient and I always felt confident I was getting the best advice and offers available. I would highly recommend them for peace of mind that your mortgage is in good hands. Thanks again Bernadine for all your help!
I had the absolute pleasure of dealing with Richard, who listened to my needs, advised me on what would work best, found me a fantastic deal and saved me a lot of money. Richard arranged a time that suited me for a call back and completed all paperwork over the phone and made everything super easy.
"Managed my income protection claim and from start to finish his compassionate approach to my circumstances deserves only five stars in my humble opinion. He was committed and understood from my perspective on all aspects of my concerns."
"An indepth, practical understanding of the current financial market in Ireland and seems well positioned to advise any situation. I highly recommending getting in touch."
The team was very responsive and answered all the questions I had. It helped me build the trust I need to buy a pension plan with them.
We believe everyone deserves access to expert financial advice, regardless of their current wealth or financial situation.
Our team of award winning professionals take a personalized and holistic approach to financial planning and wealth management.
We work closely with our clients to create a customized and bespoke plan that meets their unique needs and objectives.
Whether you’re planning for retirement, saving for a mortgage down payment, or looking to invest for the future, we’re here to help for your entire journey.
We offer a range of services, including retirement planning, investment management, estate planning, tax planning, and protection advice.
Our goal is to help our clients achieve financial security and prosperity through transparent and unbiased advice that always puts their financial goals and interests first.
At True Wealth, our commitment to create long-term relationships with our clients and provide them with the support and guidance they require to financially succeed. So, if you’re looking for expert financial advice and a market-leading partner to help you achieve your goals, look no further.
Contact us today to schedule a consultation and take the first step towards financial security and prosperity.
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 and what age you are when you start. It’s always important to consider your 20%/40% tax rebate on your 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 would make more sense, or an AVC for topping up your pension. It’s best to speak with us on a free discovery call to find out what’s most suitable for you.
The importance of understanding your risk profile is essential when investing. Your risk rating should be adjusted throughout your life, generally getting lower as you get older.
We’re big fans of the Zurich Life Child Saver plan. It allows you to put the funds in trust for your children, where they will avail of “gift tax” and your returns in our experience are much more rewarding than a bank.
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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.
Whether you already have goals or you’re not sure where to start, our award winning advisors are here to help you make a real difference to your money.
