Tax planning is crucial for protecting your assets, ensuring regulatory compliance, and minimizing tax burdens. We offer tailored strategies for your business and personal taxes, retirement succession planning, managing Revenue interventions, capital acquisition tax, construction taxes, and employee share options. Additionally, we address wealth transfer, such as reducing inheritance tax through strategies like purchasing agricultural land, Whole of Life insurance, monthly Savings/Investment Policies, and establishing Bare Trusts for gifting assets.

Term Assurance in Ireland is a cost-effective life cover that pays out only if death occurs within a specified term. It can be 'level' or 'convertible', ending at the term's conclusion or being converted without medical underwriting. Ownership can be single or joint.

Mortgage Protection is a life cover policy intended to settle the remaining mortgage balance upon the policy holder(s)’ death during the policy term. It decreases in line with the mortgage amount over time. Banks typically require Mortgage Protection before approving a mortgage.

Income protection cover offers tax-relievable protection against income loss due to injury or illness. It replaces taxable income up to a revenue limit after a deferred period, but does not cover unemployment or redundancy.

Unlike the regular income that is paid with an Income Protection policy, a Specified Serious Illness policy is paid out as a tax free lump sum, on diagnosis of one of the defined illnesses listed in your policy.

Pension Term Assurance is like regular Term Assurance, providing a lump sum on death before the initial term ends. It's offered on a 'single life' basis, either personally owned or through a company as Executive Term Assurance, with tax relief on premiums. Typically, it lasts until retirement and can be 'level' or 'convertible'.

While Mortgage Protection offers some financial security, it may not cover all future needs if one income is lost. Supplementing with additional life cover like Term Assurance or Pension Term Assurance provides families the reassurance they need for present and future financial stability.

Business protection refers to a type of cover put in place to protect your business or its assets against any unforeseen events such as death or illness. A business protection plan includes:

• Keyperson Insurance – Protecting your company against the loss of key members of staff
• Co-Director Insurance – In the event of the death of one of the directors, Co-Director Insurance policies allow the surviving directors to purchase the deceased’s shares from their family / next of kin.
• Partnership Insurance – This type of insurance gives security to business partners. It allows the remaining partner to purchase the deceased partners share of the business from their family / next of kin.
• Group Risk Cover – Normally provided by companies, this cover is similar to a group of individual Term Assurance plans and is provided to employees to compensate them, or their families, in the event of injury / death.