Age: 54
Spouse’s/Partner's age: 54
Annual gross income from employment or profession: €46,000
Annual gross income of spouse: €28,000
Monthly take-home pay €4,700
Type of employment: e.g. Civil Servant, self-employed Me PAYE, Spouse 2 Days Civil Servant, 2 Days PAYE
In general are you:
(a) spending more than you earn, or
(b) saving? Saving – approx €1000 PM
Rough estimate of value of home €350,000
Amount outstanding on your mortgage: €0
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments: Cash €130,000 on deposit no interest rate
Do you have a pension scheme? Me Currently No, Previous employer value at €70,000 Spouse saves €100 PM currently previous on valued at €20,000
Do you own any investment or other property? 8 Acres of Agricultural Land
Ages of children: 26,24,20 – 2 at home will be down to 1 in a month or so.
Life insurance: Y €55 PM for cover of €250,000 & €125,000
What specific question do you have or what issues are of concern to you?
We don’t have an extravagant lifestyle but we don’t deprive ourselves of anything we want either
What should we do make better use of the financial resources we have available to us?
I have worked with a series (4) of small companies in the past 10 years and tended against setting up a pension with all of them and now feel like it is too late?
My wife makes a small contribution to a Civil service pension in place for the past 3.5 years is it possible she might make more use of this route to invest?
Spouse’s/Partner's age: 54
Annual gross income from employment or profession: €46,000
Annual gross income of spouse: €28,000
Monthly take-home pay €4,700
Type of employment: e.g. Civil Servant, self-employed Me PAYE, Spouse 2 Days Civil Servant, 2 Days PAYE
In general are you:
(a) spending more than you earn, or
(b) saving? Saving – approx €1000 PM
Rough estimate of value of home €350,000
Amount outstanding on your mortgage: €0
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments: Cash €130,000 on deposit no interest rate
Do you have a pension scheme? Me Currently No, Previous employer value at €70,000 Spouse saves €100 PM currently previous on valued at €20,000
Do you own any investment or other property? 8 Acres of Agricultural Land
Ages of children: 26,24,20 – 2 at home will be down to 1 in a month or so.
Life insurance: Y €55 PM for cover of €250,000 & €125,000
What specific question do you have or what issues are of concern to you?
We don’t have an extravagant lifestyle but we don’t deprive ourselves of anything we want either
What should we do make better use of the financial resources we have available to us?
I have worked with a series (4) of small companies in the past 10 years and tended against setting up a pension with all of them and now feel like it is too late?
My wife makes a small contribution to a Civil service pension in place for the past 3.5 years is it possible she might make more use of this route to invest?