Who our customers are:
You’ve finished school or college and have gone out to the working world but there’s something missing. You feel like you’re meant to have it all figured out, and yet, you don’t know where you are going, and sometimes even where you stand. Although you’ve been working and get paid more than the past you still end up with little or nothing left at the end of the month. Then when you do have some savings you don’t know what you should be doing with it.

You’re trying to navigate improving your career, travelling the world, getting married, buying a home, paying off debt, pensions, investing, starting a family, trying to save, and more.

You are not sure where to start. We can help.

Clients who will see the most benefit;

• 22 – 40 years old.
  
• Earns €30,000+ per year,
  • or earns less with potential to increase in next year.

(eg. Trainee Accountants, trade apprentices, PHD/Post Graduate students, etc.)

• Any asset level, from zero to high asset value.
• All levels of financial literacy.
• Not drowning in debt. Mortgage debt is fine. Less than €30,000 in non-mortgage debt.
• Working full time, or a high income or assets with part-time work.
• Individual or Couples.
• Eager to improve their finances.

 
Why the above requirements?
The Financial Planning process is time intensive and requires a lot of work from you and the planner. We aim to have a minimum improvement of €5,000 for each client in the first year and this can be tough with a low income or no assets.

If you are interested in improving your finances and don’t yet have a high enough income, try one of our money courses or work through our blog where we have loads of ideas for improving your income. Still unsure where to start? Send us a message and we’ll point you in the right direction.


Customer Profiles:

The process:
We will guide you through a 12-month Financial Planning process where you will:

• Establish your current financial status
• Analyse & assess your financial status so we can focus on quick wins and longer term plays to improve your life
• Lower your expenses
  
• Work towards increasing your income
• Pay off debt
• Establish an Emergency fund
• Start investing
• Plan for retirement/consider the viability of early retirement
• Establish your insurance needs
• Work towards tax efficiency
• Establish medium & long-term goals
• Develop actionable plans to improve your situation and work towards your goals
• Focus on the habits to make you succeed with your finances

 
Over the course of 12 months we will get your finances in shape and put you on track to establishing wealth. We will not just assess your situation, give you a plan and leave you to your own devices. Our approach is to educate you and work through the plan over several months as your finances develop in real time.

As you will be going through some of the biggest transition phases of your life in your 20s and 30s we offer a helping hand as an external advisor and subject matter expert on personal finance and related topics.

We know it can be complicated dealing with serious issues that you haven’t dealt with before, so we will provide guidance and educate you in what you need to know.


Here are some issues our clients typically need help with:

• Trying to get promoted or get a salary increase
• Getting out of the cycle of living from payday to payday
• Preparing for a mortgage
• Planning for the medium to long-term as you’ve always had an easy road map to follow with education or your early career
• Knowing the basics of investing and getting started in an intelligent and easy way
  
• Growing wealth strategically and with a purpose
  
• Protecting yourself against your biggest risks

 

As a Financial Planning client you will get:

• A free 30-minute consultation either in-person of via video call where we will assess your current financial situation and see if you will benefit from the Financial Planning process.
• Four 60-120 minute sessions over the course of 12 months to delve into your finances and steer you towards meeting your goals and aligning your finances with your values.
• Immediate steps you can take to improve your finances from a Qualified Financial Planner.
• An assessment of your current situation including your: net worth, overall indebtedness, risk tolerance and capacity for risk, asset allocation and insurance needs.
• Personally tailored financial planning recommendations to get you through some of the biggest financial decisions in your life.
• A one on one education in the financial topics you don’t enough know about, but feel you should.
• A Qualified Financial Planner who you can reach out to via email or arrange a call any time as your situation changes and to catch up on your progress towards your goals.

What Our Clients Say:

What makes us different:
The standard financial planning model is based around helping older established people, who are already quite wealthy. They often have a high income, lots of assets and need to focus on getting then right financial products.

We work with younger people that are not wealthy, but are interested in improving their personal finances. We take people in their 20s and 30s and focus on setting goals and building wealth. We don’t sell financial products to you, but focus on giving you the skills and knowledge needed for your current stage of life.

We want to get you there.

We use a collaborative model where we work with you and develop the approach as you improve. We work on giving you a self-reinforcing model that compounds results and requires less effort with time.


Benefits:

• Learn the skills and habits you need to be financially successful
• Get the low hanging fruit after the financial health check
  • claiming tax back you were unaware of
  • renegotiating unequitable rent
  • debt management
  • removing unnecessary spending
  • increasing income and tax efficiency
• Lower stress levels as finances improve
• Set plans to meet your medium and long-term goals
• Develop a roadmap towards get you to success
• An external advisor to hold you accountable
• Expert help and guidance tailored to your life stage and personal circumstances
• Guidance and coaching to make the trade-offs needed balancing your plans with your reality
• Automating wealth generation with set it and forget it systems

10 Things We Deliver to Our Clients
1. A Vision of the Future – We get you passed the “next week, next month, next year” thinking. We make you dream of what your future could look like, set lofty goals, and then follow up with the actions to move towards them.
2. A Target to Aim For – In school you are trained to aim for the clear targets in front of you with tests, exams, and one step neatly leading to the next. As an adult you need to set your own targets. We push you to do this for multiple areas of your life.
3. Timelines – Without timelines a goal has no structure. We help you set timelines that will work and honestly discuss what trade-offs might be needed to make your goals a reality.
4. Confidence – Wins compound. We get you to celebrate and acknowledge early wins to give you the confidence to continue when it gets hard, and progress seems slow on the longer-term goals.
5. Dreams – Progress allows you to upgrade your ambitions. Once you see more and more things are actually achievable, you can make bigger goals.
6.  Respect – By respecting yourself, your time and effort, and your money, you can stop wasting time and really progress towards your goals. Once you realise the effort required to get what you want you will also gain more respect for the people that got you to where you are now – your parents, friends & family, partners and supportive colleagues.
7. Accountability – We hold you to what you say. If you say you want something but continually don’t put in the effort required, we will be there to call you out and hold you accountable.
8. A Story of Success – We will show you how the narrative of money as an emotional drain is not true for you. We guide you to your personal version of success where we can remove money as an issue.
9. Emotional Comfort – Financial stress causes and exacerbates most other problems in life. By removing this, we let you relax and focus on other areas of your life.
10. A Model of Success – Financial empowerment changes lives. Most people can never be financially successful because they don’t know what good looks like and can never get to this intangible idea. We show you a working model of success and fit this into your personal situation and dreams.

If you’re ready to start improving your financial situation today, then you’re in the right place.

Cost: €1,800 for the 12-month comprehensive planning process.
Couples Rate: €2,500.
A non-refundable deposit of €500 will be required at the start of the process. The rest of the fee can be paid up front or in instalments throughout the process.

One-Off Planning Consultation
If you need to deal with a specific financial issue we also offer one-off consultations for professionals who are not ready for the the 12-month planning process, but still want financial support right now. We focus on 2-3 financial topics from the list below to help you understand which actions to take next. In our 90-minute conversation, you’ll receive a deeper understanding of your financial situation and answers to your most pressing questions. You’ll walk away with a written plan that you can use as a blueprint to confidently make further progress on your own.

• Income/Expense Planning
  • Does your income support your lifestyle?
  • Are you spending intelligently?
  • How much do you need for emergencies?
    
• Goal Creation
  • What are your 12 month, 5, 10+ year goals?
  • Are you on track to achieve them?
    
  • Who holds you accountable for these goals?

• Employee Benefits
  • Are you optimizing your benefits at work?
  • Is there any further way of increasing your benefits?

• Insurance
  • Do you need life and/or serious illness insurance?
  • Are you over or under insured?

• Retirement
  • What does retirement mean to you?
    
  • How much money do you need to retire?
  • Could you retire earlier than you initially planned?

• Investments
  • Are your investments performing adequately?
  • Is your strategy aligned with your goals?
  • Are you taking on too much risk? Not enough?

• Debt Management
  • How do you prioritize which debt to pay down first?
    
  • Should you be paying more or saving/investing?
• Housing
  • Should you buy or continue to rent?
  • How do you determine your down payment?
  • When should you refinance your mortgage?

• Family Planning
  • How much should you be saving for college?
  • What can you do now to be prepared for big cash-flow moments later?

• Estate Planning
  • Are you protected should something happen?
  • What documents do you need in place now?
  • Are you going to receive an inheritance? Is there a plan in place? Is it tax efficient?

• Tax Planning
  • Are you taking advantage of all tax savings opportunities?
  • Does tax deferral make sense for you?
    

• Career
  • Do you enjoy your job? Why or why not?
  • Are there ways for you to adjust or change it?

Here’s what you receive with the One-Off Planning Consultation plan:

• Initial help organizing your relevant financial information
• 90-minute conversation (phone, video or in person) to answer questions and strategize
• Short summary and action plan to help you get on track
• 2 weeks of email and phone support after our meeting to answer any questions about the action plan

Cost: €650

What are you waiting for?