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Financial Planning
At
Dorrin Financial Services our focus is
on developing long term relationships
with our clients.
The key to this is to earn the trust of
our clients by providing a service of
the highest quality, and building on
this year after year to ensure that we
help our clients achieve their financial
goals.
Financial planning needn't be a complex
and painstaking process. We try to keep
things straightforward and our planning
process involves the following steps:
-
Establish what your financial
objectives are and prioritise them
-
Assess what financial resources you
have now and how they might change
in the future
-
Decide what actions you need to take
now to achieve your financial
objectives
-
Implement solutions to meet those
objectives
-
Monitor your situation to ensure
that you are still on track to meet
your objectives
We encourage you to take ownership of
your finances to make sure that your
financial goals meet your expectations,
and if you establish that they are not,
we'll do something about it now!
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Public Sector Pensions
-
Teachers
-
Medical
Professions
-
Civil
Servants
-
Garda Siochana
Pensions
Pension planning for private
employees and the self-employed can be
one of the most complex areas of your
financial affairs as there are so many
rules and regulations governing pension
schemes and also the market is flooded
with a wide range of differing products.
Choosing which product is right for
you can prove daunting the last thing
our clients want to do is make the wrong
choice.
We assist our clients by cutting through
the complexities of pension planning and
explaining to them the options and tax
issues that are relevant only to them.
Once our client's are ready to proceed
with a pension we will source the best
available products available to them
from our partners.
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Life and Serious Illness Cover
Today with the spiraling costs of
medication, the financial burden of
getting treated for any major illness or
getting a surgery done, can be
debilitating. You may not be able to
prevent yourself from this uncertainty
however with Dorrin Financial Services
Serious Illness Rider you can protect
yourself from its cost.
Mortage Protection
When clients arrange their cover
through Dorrin Financial Services, we promise that we
will take care of their families.
You never know what lies ahead or
what life will throw at you next. A key
part of the financial planning process
is to protect the lifestyle that you
already have. An accident, illness or
death can cause financial stress during
what may already be a difficult time.
Life Cover/Mortgage Protection
Our clients don't buy life insurance
because someone might die. They buy life
insurance so that their loved ones have
a chance to live. The policies we
implement take care of a family after
the death of a loved one, provide funds
for childcare or education, pay off a
mortgage or simply provide peace of
mind.
We are here to advise exactly what type
of cover is appropriate for you, the
level of cover that you need and to find
the best value policy on the market that
caters for your needs.
Income
Protection
An income protection plan
pays up to 75% of your salary in the
event of ill-health or disability.
It is a financial product that provides
the security that keeps you on top of
the mortgage payments, car loans, food
bills, rent and more.
Our clients implement these plans to
ensure that the lifestyle that they and
their families have become accustomed to
does not disappear if they are no longer
able to generate an income due to an
accident or illness.
The premiums you pay into this policy
qualify for tax relief at your highest
rate of tax.
Spouse &
Children's Scheme (Widows & Orphans
Scheme)
Most public sector workers pay 1.5% to
2% of their salaries to the Spouse &
Children's Scheme. This provides lump
sum and pension benefits to your family
subject to certain rules. We are able to
advise you on the benefits related to
this scheme and what to do should you
have a bill to pay for these benefits at
retirement.
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Health Insurance
With the number of Private Health Insurance plans available in the marketplace many people are confused as to which plan is most suited to their needs and where they can get the best value for money.
This is why you can now get independent advice on your health insurance through Dorrin. We can compare the costs and benefits of the various health insurance plans available from VHI, Laya Healthcare, Glo Health and Aviva Health to help you make the right decision for you and your family.
So if you have a question relating to choosing the health insurance plan which is right for you and your family contact us, Depending on the complexity of your question we will come back to you as soon as possible and may reply by telephone or email.
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Investments and Savings
Saving and investing is all about making
your money work as hard as possible for
you. There are a number of factors to
consider when considering where best to
place you money:
-
How long
are you investing for?
-
Do you
need access to your money?
-
What
level of risk are you prepared to
tolerate in order to aim to achieve
a better return on your money?
At Dorrin
Financial Services we work with you to
establish which types of savings and
investment plans are suitable for you
and to advise you on a range of products
from our partners:
We also have
an agreement with a leading provider of
capital guaranteed investment bonds
which allow you to have exposure to
stock market gains without the risk of
losing your initial capital.
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Approved
Retirement Funds
Subject you
having a guaranteed income of €12,500
per annum, you can invest the proceeds
of your PRSA AVC fund in an Approved
Retirement Fund (ARF) after you retire.
ARFs are
investment funds into which you can
invest the proceeds of your pension fund
on retirement. An ARF will provide you
with greater control of your income in
retirement as you can decide the level
and frequency you wish to draw income
down from your fund, as and when you
need it.
A further benefit of an ARF is the level
of investment control it gives you. Our
clients have the full range of
investment options from secure and
capital guaranteed funds to adventurous
funds. Any interest or capital growth
that your fund earns remains free of
DIRT tax.
Unlike traditional retirement plans, an
ARF remains your property when you die,
so your dependants will still benefit
and family wealth is transferred.
We will help you review your options in
order to establish an ARF tailored to
your needs. Withdrawals from your ARF
attract tax at your marginal rate so we
will help review your tax affairs to
establish the most efficient way to draw
down your money.
To arrange a complimentary consultation
please call 071 9122062 or email
info@dorrin.ie
Tax Review Service
Whenever tax season hits us, our nerves
tend to be on the edge. Most of us have
needless worries concerning our tax
returns and whether they are being
prepared correctly. Having a
professional tax review is incredibly
freeing. That is why we are willing to
refer you to an Accounting Advisory Service. |
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