Life & investments
Planning for later, without losing out on tax.
Pension, savings, estate planning, mortgage. Commitments of twenty or thirty years, where the return matters less than the tax treatment and how easily you can get out.
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What we coverPension, savings, life insurance, mortgage protection
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Our roleComparing the tax treatment as much as the return
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Watch out forEntry charges and the terms for early withdrawal
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First meetingFree and without obligation
The cover
Five products, five different purposes
Confusing them is expensive: the same euro does not earn the same rights depending on which pillar you put it in.
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2nd pillar
Coming soonSupplementary pension An EIP for the company director, a PLCI for the self-employed, a group plan for your staff. The premium is deductible and sits outside gross pay: the most effective lever in the portfolio. Watch out for: the 80% rule, backservice, the age at which it pays out ↗
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3rd pillar
Coming soonPension savings Two ceilings to choose from, with different rates of tax relief. Moving to the higher ceiling is not always worth it: the maths depends on your taxable income. Watch out for: the choice of ceiling, the 8% levy at 60, payments made after 55 ↗
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Investments
Coming soonSavings & investments Branch 21 for guaranteed capital, branch 23 for return, branch 44 for both. The real comparison is on entry, management and exit charges. Watch out for: entry charges, withholding tax, the eight-year term ↗
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Passing on wealth
Coming soonLife insurance Who receives what, when, and taxed how. A badly drafted beneficiary clause costs more than any difference in return. Watch out for: the beneficiary clause, inheritance tax, split ownership ↗
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Mortgage
Coming soonMortgage protection The cover your bank requires for your mortgage. You are not obliged to take it out with them, and over twenty years the difference in premium often runs into thousands of euros. Watch out for: the medical questionnaire, loading, cover at 100% or split 50/50 ↗
How we work
A review first, proposals after
A life policy is judged over thirty years. We first look at what you already hold, and what it would cost to get out of it.
- 01 We start from your time horizon When you want this money back, and what for.
- 02 We work out the net, not the gross The advertised return, less charges, less tax, less the exit levy.
- 03 We check your remaining tax allowance What you can still deduct this year, and at what rate of relief.
- 04 We revisit it at each stage of life A child, a divorce, a sale: the beneficiary clause must follow, or it works against you.
Worth reading before you sign
No obligation
A review of your life policies, before any proposal.
What is well covered, what is missing, what overlaps. We work with more than 40 insurers and put those covering your risk in competition. We also tell you when nothing needs changing.