Archive for the Personal Protection Category

How our personality effects our approach to finances

When people gossip, it’s always about someone else and more often than not, there’s a comment on someone’s behaviour.  People watching or, more correctly, behaviour watching provides fodder for the chat magazines and the tabloids. This, in turn, has led to the huge growth in reality TV whether it’s the X-Factor, America’s Got Talent, Big Brother, Masterchef  or Iron Chef (take your pick). The list goes on. There seems to be a delight in seeing

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11 Questions To Ask Your Financial Adviser

It’s that time of the year when everyone takes stock of what they should have done in the last year and what they really should do in the coming year. Financial Planning is a subject that gets addressed more at this time of the year than any other mainly because of the tendency to “I better do this otherwise I’ll never get around to it”. Once January passes however, the mental incentive does as well. So

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How To Pick The Right Financial Adviser For You

Irrespective of the professional service that we might look to engage, most people select those who they seek advice from on the basis of a “gut feeling” that the person eventually selected will do a good job. This is no different irrespective of the profession from tradesmen to architects, doctors to engineers and accountants to travel consultants. Such gut feeling is either reflective of someone else’s referral or the fact that there is something about

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The Real Need For A Financial Planner

  When I meet a prospective client one of the first areas to be discussed is what financial products they currently hold. While many people will know that they have a mortgage and its broad details, less will know about what their pension fund and investments are applied to and even fewer again will know what level of life assurance they hold. Most people usually do  not give time to, never mind arrange, either their Will or

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Why Financial Planning Is Not The Same As Financial Advice

A little over nine years ago a new personal financial qualification, the Graduate Diploma in Financial Planning was introduced by University College Dublin in conjunction with support from the Life Insurance Association, the Institute of Bankers and the Institute of Taxation. Those who successfully completed this program were then able to sit a further exam with a view to obtaining the international accreditation Certified Financial Planner™ (also referred to as CFP®). This accreditation is regarded

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Well what do you do?

Were you ever at some event or other which didn’t involve people who worked in your industry and you get asked by people who never met you before: “Well, what do you do?” I have to admit that, as someone who is not as outgoing as most people, I used to find this question somewhat awkward, even though I am self employed and my business depends on growth through new client relationships. Despite being involved

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The “What If” Scenarios? Financial Plans Are Far More Important Than Financial Products

As a financial planning firm we get involved in a lot of sophisticated financial analysis. We crunch numbers in spreadsheets and similar tools with the same passion as kids (and now more recently many adults) play video games. Sad you might say that we prefer Excel to the latest Playstation or Xbox release but the reality is this is what our clients expect. If we can’t get excited about our clients finances, then we shouldn’t

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What is Financial Planning All About?

When I mention that I am a Financial Planner to someone who doesn’t know me I sometimes get strange looks as if I am either someone from other space or somewhere else. Some that know me well might rib me a bit on the former but sometimes saying the truth, especially about money matters, doesn’t earn you any bouquets.  Maybe it’s because the words “Financial Planner” have become confused in most people’s lexicon with terms such as “Financial Adviser”

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The Secret Society of REAL Financial Advisors

Last Monday I was fortunate to be involved with the visit to Dublin of Carl Richards, an internationally acknowledged speaker on Behavioural Finance. Carl hails from Utah, USA and is a regular contributor on personal finance to the New York Times. Carl spoke to a room of over 100 Irish financial advisers at an event which myself and my colleagues from the Society of Financial Planners of Ireland arranged. Carl’s particular skill is the ease

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Battered and bruised but life goes on

Based on anecdotal evidence most of our clients have been toughing it out for the last 24 months in particular. No sector seems to have been saved the savagery of the global financial crisis. Despite this I get a sense that having made the necessary cuts in overheads (including laying people off) many sectors are starting to pay their own way if not edge a little bit into profit. From our perspective, we as financial

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