Are you finding that every month you are in your overdraft? Are you getting the best deal possible on all your outgoings? Being in control of your finances is the key to good financial wellness and to reducing stress in your life. We can show you the tools to help you on this path and get the balance right when it come to your personal finances.
How would your family cope financially if you died or became ill? If you couldn’t earn a living, could you pay all your bills? This is often the conversation that no one likes to have, yet it is vital to financially protect the most important people in everyone’s lives; family. At Neptune Financial, we pride ourselves on being impartial and getting the best possible benefits for your family.
Do you want to own your home but don’t where to start? Are you paying too much interest on your mortgage? Buying a home is one of the most exciting things in life. Don’t let this experience be ruined by a bank turning you down for a mortgage. Talk to us so that we can guide you through the process easily.
Do you want your children to go to college? Have you started saving for their third level education? Every August there are stories in the media about the cost of education and the financial strain it puts on families. We believe that next to your mortgage, it is one of the biggest outgoings you will have. Having the correct type of savings plan in place is essential where you enjoy the magic of compounding returns and don’t have to pay DIRT tax each year.
When can you afford to retire? Have you got any type of pension arrangement? Retirement is inevitable for us all! Yet 60% of private sector workers have not made pension provision and rely on the state pension of just over €12,695 per annum. Could you enjoy your lifestyle on this amount of income? Let us explain the minefield of pensions and put a plan in place which enables you to retire early.