What are your financial needs now? We spend our days helping clients to plan their financial futures. What we see is that people face similar challenges depending on their stage of life. At the same time of course, each and...
5 Key Principles to Becoming a successful investor
Investing today can be a bit of a minefield. You could end up paralysed by fear, worrying about the possible impact of the likes of Covid, Brexit, market fluctuations and the economic impact of climate change. However as your financial...
Is it time to get your money off deposit?
Are we finally getting back to normal? It’s great to see people out and about again as the country eases itself out of lockdown. And for all of those retail businesses that were forced to close their doors, the early...
5 lessons from living through Lockdown
We’re currently doing a lot of planning work with clients whose financial situations have changed greatly in the last year. As part of this process, we’ve taken a little bit of time to stop and reflect on some of the...
What can we learn from Warren Buffett? Where do you start with Warren Buffett? Widely recognised as the world’s shrewdest investor, the “Sage of Omaha” is now 90 years young and still doling out nuggets of advice to investors across...
How to Cut Down on Your Spending after Lockdown
A huge amount of the time we spend with our clients is spent building an understanding of your goals in life and developing a financial plan to help you achieve your objectives. A lot of attention goes into your retirement...
How we can help you during the Covid 19 Crisis
What a crazy world we live in right now and how so much has changed over the past 6 weeks or so. The priority for everyone is to stay safe and healthy and hopefully we will all get through this...
Minimise the impact of divorce on your financial plan
Minimise the impact of divorce on your financial plan A marriage breakup is usually a traumatic time. Very significant life decisions are needed about custody of children and access arrangements, and where each party will live. Often relations between the...
8 important principles to teach your kids about money
In today’s era of consumerism on a grand scale, it can be hard to maintain a clear and constant perspective about the value of money. Many of us muddle along, surviving, making mistakes and getting by. However this is no...
8 Great Financial Goals to Improve Your Lifestyle
I find that August is the most popular time of year for annual leave and holidays. The kids summer camps are coming to an end and it's a good time for the family to get away for some quality time....
Lessons from a Mexican Fisherman
Lessons from a Mexican Fisherman We’d like to share a story with you that originated back in 1963 when published by the German writer, Heinrich Böll. It’s a very short story, but perfectly captures one of the key messages that...
Claims are What Count
As part of our financial planning conversations with you, we always bring the attention around to subjects that are not easy to think about – a serious illness or death visiting a family member or indeed yourself. We all naturally...
What Income Protection is and what it is not
What Income Protection is What Income Protection is and what it is not. As financial brokers helping our clients to build a better financial future for themselves, we are talking to clients every day about a whole range of issues...
How time flies – do something today that your future self will thank you for
How time flies How time flies ; without doubt the favourite part of my job as a financial planner is helping people who have reached retirement age to access their pension benefits. This is a significant milestone in their...
The five financial mistakes you don’t want to make in your 30s
Great to be a part of this Irish Times article and well worth a read for all 30 year olds like myself out there! PDF version of the article in the Irish Times
5 ways to be tax effective
5 ways to be tax effective Tax is a necessary evil. If we want to live in a country with access to public services, taxation is the system used to pay for these services. We can (and do!) argue and...
Purchase a property with your pension fund
Purchase a property with your pension fund Typically, most pension funds invest in a mix of assets that combine a portfolio of equities (shares in international companies), government bonds, property and cash. But there is also another option which many...
What’s the link between All-Ireland winning teams and a successful financial plan?
What's the link between All-Ireland winning teams and a successful financial plan? In this blog I discuss the similarities between All-Ireland Winning teams and Successful financial plans. 1: Long Term Goals Are Required The ultimate goal for any inter-county team...
Want a Free Garmin Watch?
Want a Free Garmin Watch? Want a free Garmin watch and Cash Back on your life insurance? Life insurance can be a pretty dull topic to talk about at times but we have some really exciting news. We have been...
Where do You Buy Your Life Insurance?
Where do You Buy Your Life Insurance? All life assurance policies are the same? The best place to buy life assurance is online or from your bank? The only thing to consider when buying life assurance is the price? Well...
I’m in my 30’s. Where Should I be With My Finances?
I'm in my 30's. Where Should I be With My Finances? It's likely that you will experience some exciting life changes in your 30s such as advancing in your career, getting married, having kids, purchasing your own home etc. As...
Start Saving for Your Children’s Future & get a €100 kickstart
Start Saving for Your Children's Future & get a €100 kickstart We all want to give our children the best possible start in life and a good education is a top priority. However, this can be a lot more costly...
Copyright 2017 Hardiman Life & Pensions. All Rights Reserved | Hardiman Life & Pensions Limited is regulated by the Central Bank of Ireland | Privacy Statement
Website Design by Western Webs, Tuam, Co. Galway