FINANCIAL CONSULTANCY

 


  Financial Review  
   Financial planning & restructuring   
   Tax Efficiency   

 

FINANCIAL 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 (by mortgages).

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 details.

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 Broker).

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.

 
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Gary Ellison t/a Ellison Financial Consultants is regulated by the Central Bank of Ireland. Registered as an Authorised Advisor, Mortgage Intermediary, and Insurance Intermediary. Member of the Professional Insurance Brokers Association (PIBA)

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