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Protect Your Income

What happens to your financial plan if you lose your Income?

Income Protection

Protect your biggest asset for piece of mind if you get sick

Grow Your Savings

Make your money work harder by investing for long term goals.


Benefit from compound interest and watch your money grow.

Replace your Income

Use your earning power now to save for when you won't have any.


We can show you what you need to do to retire in comfort.

Understand your Workplace Benefits


Death In Service

This is a lump sum benefit paid to your estate if you die in service, usually a multiple of salary.  To find out if you have a Death in Service benefit and what it covers, you should check with your employer.  Getting the right life insurance for you and your family depends on your specific needs and situation. There are many different insurance plans available, each with different levels of cover. A Death in Service benefit from your employer can be an important part of your overall insurance plan, but it's important to also consider other options and make sure you have the right amount of cover for your loved ones.

You may also want to consider getting a separate personal life insurance plan to make sure your family is taken care of in case of your death. This type of plan can give you more control over the benefits you provide for your loved ones.  Additionally, some life insurance plans offer extra benefits.  For example, "specified illness cover" is an optional benefit available that pays a lump sum if you're diagnosed with an illness covered by the plan. So, if you're not able to work because of your illness, or need to adjust your home with modifications like stair lifts and shower supports, that money is there to help.   

Income Protection

Income Protection pays you a replacement income if you are unable to work due to accident, illness or injury.  Some employers will pay you for a period of time, 3 months for example and then income protection kicks in.  Your employer may provide this benefit as part of a group plan or if not you can take this insurance out privately.  You can choose how much of your income you want to protect and how long the income would be paid for in the event of a claim.


Your employer has to provide access to a pension as part of your employment.  Most employers will also contribute a percentage of your income and you can match this.  If you have affordability the best use of your income is usually to max out your pension in line with the Revenue tax relief limits below.  These are based on your gross salary and exclude your employer contribution.

impartial advice on company pension


AVCs are essentially any extra money you contribute to your usual pension scheme. Like the rest of your pension, it’s a form of investment.  When you have a little extra to hand, you can make either regular payments or a lump sum contribution to your pension. You can decide how much or how little to contribute.  


Like regular pension contributions, you can qualify for income tax relief at your marginal tax rate when you make these extra contributions.  Revenue sets a maximum amount that you can contribute from your taxable earnings which is based on your age (see above). The maximum amount of earnings that can be used for income tax relief purposes is €115,000.  you can change how much you contribute at any time. Generally, you can discuss with your payroll department to increase or lower the amount.

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