Cathedral Financial Consultants Limited, advising clients since 2003.
Aligning your needs, values and personal goals with every aspect of your finances.
Take control of your money and your future, today.
Aligning your needs, values and personal goals with every aspect of your finances.
Take control of your money and your future, today.
Financial planning for the life you want to live.
Financial planning is the process of aligning your needs, values and personal goals with every aspect of your finances. It gives you a complete picture of where you are now and where you can get to in the future.
Armed with a detailed road map, you’ll have all our recommendations to make confident, informed choices about your short-term goals and longer-term future.
For many, receiving professional financial advice is a liberating and inspiring process that brings certainty and peace of mind. For others, it brings the realisation that they have the resources to achieve more in life than they’d ever thought possible.
Plan for the present
Engaging in current financial planning entails evaluating your present financial status, examining your monthly income and expenditures, and establishing strategies to effectively manage your finances on an ongoing basis. This way, you can relish a few more indulgences with the assurance that your finances remain well-balanced and aren’t excessively strained.
Plan for the future
Part of this process involves defining goals for the longer term. Once you’ve outlined your monthly earnings and expenses, you can evaluate the portion that can be allocated to secure your financial goals. Now, it’s time to shift your focus to long-term objectives, whether they encompass general savings or designated funds earmarked for retirement, pension preparations, higher education funding, or real estate acquisitions.
It’s essential to evaluate the most suitable savings and investment approaches tailored to your circumstances. For individuals with more substantial financial resources, devising strategies for wealth management becomes a critical consideration.
Plan for the unknown
The key to a good financial plan is mitigating the financial impact of the unexpected. It’s crucial to confront the uncomfortable “what ifs.” This encompasses establishing a contingency fund for events like repairing faulty boilers or dealing with car breakdowns. Additionally, longer-term precautions, such as life and income protection, should be considered.
As your financial obligations increase, encompassing dependents and mortgages, the significance of ensuring adequate protection amplifies.
Plan for the present
Engaging in current financial planning entails evaluating your present financial status, examining your monthly income and expenditures, and establishing strategies to effectively manage your finances on an ongoing basis. This way, you can relish a few more indulgences with the assurance that your finances remain well-balanced and aren’t excessively strained.
Plan for the future
Part of this process involves defining goals for the longer term. Once you’ve outlined your monthly earnings and expenses, you can evaluate the portion that can be allocated to secure your financial goals. Now, it’s time to shift your focus to long-term objectives, whether they encompass general savings or designated funds earmarked for retirement, pension preparations, higher education funding, or real estate acquisitions.
It’s essential to evaluate the most suitable savings and investment approaches tailored to your circumstances. For individuals with more substantial financial resources, devising strategies for wealth management becomes a critical consideration.
Plan for the unknown
The key to a good financial plan is mitigating the financial impact of the unexpected. It’s crucial to confront the uncomfortable “what ifs.” This encompasses establishing a contingency fund for events like repairing faulty boilers or dealing with car breakdowns. Additionally, longer-term precautions, such as life and income protection, should be considered.
As your financial obligations increase, encompassing dependents and mortgages, the significance of ensuring adequate protection amplifies.
Our Services
Financial Planning
Whatever your goal, take control. Cathedral can help you secure the financial future you desire.
Whether it's saving for a mortgage, protection against the unknown, or investing in your future, our team of advisors are here to help.
Life, Critical Illness & Income Protection
Life insurance pays out on the policyholder’s death.
Critical illness cover & Income protection offers financial protection in the event of a serious illness or injury.
Pension Planning
Take control of your pension and ensure you're on track to achieving your retirement goals.
At Cathedral, our experienced team advisors will review the market to find the best pension plans for you.
Employer & Employee Benefits
Protection for business owners and key personnel, in the event of death, serious illness.
Retirement plans, death in service & income protection for employees.
Savings & Investments
Whether it's saving for a first home, second home, education or investing for your future, Cathedral are here to help advise on risk management, funds that meet your needs and investment strategies.
Inheritance Planning
Whether you're receiving an estate or leaving one, there's tax considerations to take into account.
At Cathedral, we advise on estate planning to ensure no ambiguity and best methods for either scenario.
Frequently Asked Questions
We’ve put together the following simple answers to questions frequently thought, but rarely asked, about professional financial advice.
Do I need a financial advisor?
If you’re facing a big decision on which a lot of money depends, advice can be invaluable.
Things like setting up a pension, buying a home or planning for retirement may be rare or even one-off events, so you will probably have very little experience on which to base these crucial choices.
And though you may seek guidance from friends and family, or online, neither of those can give you as much confidence as unbiased advice from an experienced professional.
How can a financial advisor help me?
A financial adviser will do much more than simply tell you where to put your money.
The whole point of advice is to make your money work for you and help you achieve your goals in life.
So a good adviser will look at your circumstances as a whole, from your current situation to your medium and long-term future, to help you decide upon the best action to take.
For example, if you want advice on how to access your pension, your adviser will first take time to discuss your plans for retirement, and so assess your changing income needs over time. Only then will they start to recommend strategies and products.
Last but not least, an independent or whole-of-market financial adviser can find the most suitable products for you from all that are available.
They will also ensure that the chosen product is the best possible fit for your particular circumstances.
Can I afford a financial advisor?
Cathedral Financial firmly believe that financial planning is everyone.
Our aim is to ensure that our knowledge is within reach and our charges remain open and comprehensible for every client we serve.
We maintain complete transparency about our remuneration structure, guiding each phase of the process steadily.
Our initial interaction with every client is a cost-free discussion, enabling us to evaluate the scope of our assistance and provide a comprehensive overview of potential expenses and fees related to our services.
When should I contact a financial advisor?
There are many occasions in life where advice can make a big difference – some more obvious than others.
Most people who contact an adviser do so when facing one or more of these decisions.
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- Starting a pension
- Saving for / buying a home
- Investing
- Marriage / starting a family
- Making a significant career change
- Starting or running a business
- Planning ahead for retirement
- Taking an income in retirement
- Planning life after retirement
Other reasons for seeking financial advice may include moving abroad, getting divorced, arranging for yourself or a relative to go into long-term care, or any situation in which you may need to take out a financial product, such as a mortgage, insurance, or a pension arrangement.
What qualifications do financial advisor have?
In Ireland, financial advisors are subject to effective regulation, providing assurance that the expertise you receive is dependable. When choosing your financial service providers, it's important to consider different levels of financial qualification.
The baseline requirement for an in-person financial advisor is the Qualified Financial Advisor (QFA) qualification. Additionally, financial advisors might have pursued additional training, like the Specialist Investment Advisor (SIA) qualification or the Certified Financial Planner (CFP) qualification.
Adherence to standards set by The Central Bank mandates that all financial advisors continually engage in professional development. This practice guarantees the relevance of their advice and the currency of their knowledge.
Services
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