PLANNING & RESTRUCTURING
After obtaining client details of current
financial facts situation, aims and objectives, and attitude
to risk, we can analyse, recommend, and restructure finances
to obtain clients' aims/plans.
We can look at restructuring an investment
portfolio, analyse lowering repayments by loan or and mortgage
restructuring, or investments leading to growth of savings
or lump sum investments, planning for retirement with pensions,
providing protection for the business or family by life cover
and serious illness protection plans, or providing lower cost
and maybe more comprehensive cover plans/policies for business
cover or family cover.
We can advise clients how they can maximize
savings and assets tax efficiently.
We can advise clients with loans and liabilities
how to lower their total repayments, and then switch them
to the "saver" mode and plan building up money for
them for the medium and long term (lump sum investment and
pension on retirement).
We can advise clients how to commence saving
and build up a fund, and an asset. This starts with the simple
psychology of thinking like a saver instead of a spender.
This also can generally involve restructuring their loans.
We can help clients to purchase property,
be it a domicile house to live in, business premises, or investment
property. As Independent Mortgage Brokers we can obtain the
finance for purchase most cost efficiently. Indeed we can
also advise and obtain maximum tax benefits for business people
to purchase their own business premises by facilities such
as pension mortgages.
We can plan for clients to build up funds
for retirement by investments, pensions, or investing in property
Ellison Financial specialise in transferring
UK pensions to Ireland for clients who have relocated back
to Ireland. Also, we can obtain remortgage finance to clear
loans and generate extra finance (subject to the lenders terms
& conditions apply). We make it easy for you, by handling
all the administration and correspondence at our end, and
hence we look after all the hard work. Contact us for more
We can obtain protection policies (life cover
and serious illness cover policies) for clients with lower
cost premiums and more comprehensive cover (as an Independent
One of the main keys to providing successful
financial advice with good results for the client is obtaining
an understanding from the client of "risk versus reward".
We ask clients for their opinion/view of whether he/she wants
to obtain the opportunity of big rewards by taking large risks
or low risks with smaller, more secure rewards etc. However
this is levelled (smoothed) out, and risk decreased by longer
term investment. Or whether the client does not want to take
risks and will thus settle for more modest investment growth
rewards (usually with capital or fixed growth guarantees).
As independent Mortgage and Insurance Brokers
and therefore not being "tied" to any one Insurance,
Investment, or Lending Institution or Company, we can deal
with Insurance Companies, Banks and Building Societies on
the Client's behalf to obtain competitive plans, investments,
policies, and mortgage rates available to suit the individual
and personal situation of our Clients.
In arranging investments, pensions, protection,
and mortgages we look after the Client from beginning to end.
For example in mortgages we can arrange mortgage, insurance,
surveyor, and Solicitor. We can obtain the tax relief certificate
for pension tax relief on the pension premiums for the Client.
We can oversee the whole process.
We can provide ongoing client reviews, amendments
on plans and policies, and helping with claims and maturities.
In essence we are there when we are needed most.
From the perspective of the consumer "value
for money" is the watchword for Authorised Advisors and
Brokers like ourselves. As Brokers we can place business with
several companies, so the system forces insurance companies
to compete on their charges and range of products offered
in investments, pensions, and protection etc. As an Authorised
Advisor & Broker we can offer comprehensive choice, value
and advice on a different range of different products in the
insurance, pensions, investment and finance areas. Our long
experience and expertise in the business can benefit the consumer
in the advice we are able to provide.
In addition, Mortgage Brokers like ourselves
can recommend and obtain mortgages, finance from mortgage
top-ups, and remortgages, with competitive interest rates
for different client situations.
The role of the Authorised Advisor and Independent
Broker like ourselves comes into play in the longer term commitment
to the Industry which ensures that the consumer, our clients,
can expect a greater level of after sales service, independent
service, than if the client dealt direct with one company
- be it one Insurance Company or one Lending Institution (here
the client does not receive independent advice or policies
or plans or mortgages. He/she only receives the products and
advice of the one Institution has to offer).
That is why independent advice is important.