Book a financial assessment
Four focused assessments you can book directly, each one run by a qualified adviser at a time and place that suits you. Or start with a free fifteen minute call and we will point you at the right one.
No charge
Every assessment on this page is booked free of charge. No card details, no obligation to act on the outcome.
Your place or ours
Meet at our Athenry office or at your own home or workplace, whichever is easier.
Daytime or evening
Appointments run 2pm to 6pm or 6pm to 9pm, Monday to Saturday.
Four assessments, one for each big decision
Pick the one that matches the question you are sitting with. Each has its own page with the full detail and a booking form.
Mortgage pre-application
Know what you can borrow before you apply.
Post retirement
Check the fund will last the retirement you want.
Personal protection
See where you, your family and your business are exposed.
Mortgage rate analysis
Find out whether your current rate is still competitive.
Mortgage pre-application assessment
Before you go anywhere near a lender, this is the work that tells you where you actually stand. We look properly at your income, outgoings, credit history and existing debt, and from that work out what you can comfortably borrow rather than what a calculator says you might.
It also surfaces the things that would trip up a real application. Where there is something to tidy up first, you find out now, with time to do something about it, rather than halfway through an application.
Free of chargeAt our office or yoursDaytime or evening
- A full picture of income, outgoings, credit history and debt
- A realistic borrowing figure you can house hunt against
- The obstacles a lender would raise, found before they raise them
- What to improve first if a better rate is within reach
Post retirement assessment
The question everyone approaching retirement actually wants answered is whether the money will last. This assessment works through your assets and liabilities and tells you whether what you have built up will sustain the life you have in mind.
We then build a realistic budget around your expected costs in retirement, and look at how to draw down income in the most tax efficient order, so you are not paying more than you need to along the way.
Two hoursFree of chargeAt our office or yours
- An honest read on whether the fund is sufficient
- A working budget built around your expected retirement costs
- Withdrawal strategies that maximise income and limit the tax
- A clear picture of where you stand, in writing
Review of personal protection
A full look at where you are financially exposed across health, family and business, followed by plain advice on what to do about it. Most people are covered for something and uncovered for the thing that would actually hurt.
For business owners we assess the risks the venture carries, from liability to the events that would interrupt trading, and go through the cover that addresses each. For families it is the simpler and harder question of what happens to the household if an income stops.
One hourFree of chargeAt our office or yours
- Where health, family and business exposure actually sits today
- Business risks, from liability to an interruption in trading
- What the household would need if an income stopped tomorrow
- Straight guidance on which gaps are worth closing first
Mortgage rate analysis
A mortgage is not just a loan, it is the largest line in most household budgets for twenty years or more. This analysis reviews the rate and the lender you have now, including the term, the interest rate and any fees or penalties attached to moving.
From there we tell you whether your rate is still competitive in the current market, whether switching would leave you better off once the costs are counted, and what that would mean for the rest of your plans.
One hourFree of chargeAt our office or yours
- A full review of your existing rate, term, lender and fees
- How competitive that rate is against what is available now
- Whether refinancing is worth it once the costs are counted
- Recommendations that fit your budget and your longer term plans
Start with the free consultation
We are happy to offer a free consultation to assess your requirements, which means a comprehensive look at your financial needs and objectives. It takes about an hour and we schedule it around your work and family commitments. There is no charge and no obligation attached.
You can also take a free fifteen minute call at any time if you would rather start smaller.
International clients who need guidance on any of the assessments above are welcome to book in the same way. Where a case needs specialist tax or legal direction we will say so up front, along with what that would involve, before any work begins.
Three steps and a date in the diary
Choose the one that fits your question, or ring us and we will point you at it.
Our Athenry office or your own home or workplace, daytime or evening, Monday to Saturday.
You send a few details, we do the groundwork in advance, and the meeting is spent on your situation.
Book the one that answers your question
If you are still weighing it up, a fifteen minute call costs nothing and usually settles it. We will tell you which assessment fits, or that you do not need one at all.
