What is a

Financial Broker

An expert in financial matters, a Financial Broker provides services to both companies and individuals. Services can include: personal financial planning, life cover, serious illness cover, income protection, health insurance, savings, investments, pensions, retirement planning, business financial planning, inheritance tax planning, mortgages and commercial finance. Financial Brokers differ from Insurance Brokers whose services typically include house insurance, car insurance and commercial insurance.

Creating your success through

Financial Planning

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Why use a Financial Broker

Clear. Concise. Impartial Advice

 How can I be sure that my Interests Come First?

How can I be sure that my Interests Come First?

Like any other business, a Financial Broker's best customers are repeat customers and new customers referred by satisfied clients. It is therefore in their interest to put your needs first in any recommendations they make. In addition, by law Financial Brokers must put your interests above commissions in their recommendations. Furthermore, Brokers are subject to rigorous enforcement rules by the Central Bank of Ireland and can face serious fines.

 Full-time Professionals who are Experts in their Area

Full-time Professionals who are Experts in their Area

Financial Brokers are obliged to have a qualification or be accredited by experience. They are full-time professionals, experts in their area. They constantly study all relevant markets and receive regular briefings from various product providers.

 How much will it cost to engage a Financial Broker?

How much will it cost to engage a Financial Broker?

When a Financial Broker is paid by commission, there is generally no extra charge compared to dealing directly with the provider. So you get a choice of many providers, impartial advice and personal service without any extra cost and without the hassle of finding the best deal yourself. Any additional fees payable by you will be outlined in the Financial Broker's terms of business given to you before they start any work for you.

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The value of a Financial Broker
 

What are the benefits of dealing with a Financial Broker?

 Offering a more competitive market

Offering a more competitive market

The Competition Authority found that demand for insurance was more price sensitive in the broker market than through direct channels. With 1,200 Financial Brokers in Ireland, the eight domestic life companies are much more competitive with regard to price, product design, investment performance and service than they would be if they dealt with advisers who are tied only to them.

 Solid financial plans and strategy

Solid financial plans and strategy

Some of the typical financial goals Financial Brokers help with are: protecting the living standard of your family in the event of your death; protecting your living standard against illness or accidents, which may prevent you from working; saving for your children's education; saving for your retirement; investing lumps sums appropriately to get the best return; and devising a plan to achieve financial independence. Your Financial Broker will conduct a "factfind" to get to know you and your requirements and develop a strategy that meets your goals.

 Assisting with Key Financial Goals:

Assisting with Key Financial Goals:

The Competition Authority found that demand for insurance was more price sensitive in the broker market than through direct channels. With 1,200 Financial Brokers in Ireland, the eight domestic life companies are much more competitive with regard to price, product design, investment performance and service than they would be if they dealt with advisers who are tied only to them.