Financial Review

I’d like to Get My Finances in Order

We’d all love to be financial wizards. At the start of every year we have great intentions, as financial promises are renewed all over Ireland. We say we’ll cut back on spending and that we’ll save like squirrels (honest).
And the thing is, most of us can be great money managers – we just need the support and structure in place. You might be thinking ‘How will I make the most of my money?’ or even ‘How do I get started?’ have a read through our helpful hints below or book a free financial review.

What do I Need to Bring to a Money Financial Review?

Whether you’re looking for advice on your Savings & Investments or advice on all of your finances there are a number of things you should take into account. Most importantly, remember, that the overall purpose is to benefit you and give you reassurance that your finances are on track to meet your goals or to help identify any gaps in your finances that you might like to start addressing.

During the Financial Review you will be asked for personal financial information, such as your income, your outgoings and expenses, details of any loans and details of any current pension provisions you have in place. This information is required so your Financial Adviser can build up a correct and complete picture of your current finances and make suitable and appropriate recommendations. While you do not have to provide any information, without it the Financial Adviser will not be able to get a full picture of your financial situation

Information you should bring;

  • Details of any existing savings or investments plans you have
  • Details of any loans, credit cards or debts you have
  • Salary details
  • Details of your monthly or annual outgoings and expenditure
  • Details of any upcoming expenses or events you might be saving for, and what your target for these is, e.g. child going to college, wedding, etc
  • Details of any Pension plans you already have
  • Details of any Protection or Life Cover plans you already have

You should also be sure to bring:

  • One form of Personal ID, e.g. a valid passport, current driving licence, etc. Be sure that these are originals as copies can not be accepted
  • One form of Address ID, e.g. utility bill or bank statement (no more than 6 months old)

What Does a Good Financial Review Involve?

A good Financial Review looks at today, your desired tomorrow and shows you how to get there. Your EBS adviser will help you use this as:

  • An opportunity to discuss what your financial goals are and provide achievable solutions to help you reach these
  • Assess your current financial health by examining your assets and liabilities, income and outgoings, insurance, savings and investments
  • Identify any gaps in your financial circumstances, such as pension, income protection or savings needs
  • Develop a realistic, comprehensive plan to meet your financial goals by addressing financial weaknesses and building on financial strengths
  • Over time, work with you to revise your plan to accommodate changing goals, changing personal circumstances, and changing financial opportunities
  • Our financial needs change over time so we advise our customers to review their financial situation once a year