Bluewater Financial Planning

Helping you make smart decisions about your money

Bluewater Financial Planning’s goal is simple, it is to provide you with financial peace of mind.

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We’re in Sandyford Business Park

We listen to what is important to you and come up with solutions in the most simple and tax efficient manner.

We provide our clients with financial advice in the following areas:

Financial Planning

Have you ever asked yourself:

I like my life. Is what I am doing now enough so I can continue living this life?
I want to make some changes to my life but I don't know if I can afford to make them.

If the answer is yes, talk to us about how we can help you plan for the future with certainty.

Our Story
At Bluewater Financial Planning, our goal is to work with you over your working lifetime and into retirement. We will help you along the way as your life changes and your plans and ambitions change too. We will show you what changes have to be made to stay on track.

We will worry about the technical side of things and explain everything in plain English, trying to avoid jargon where we can. We will be honest and transparent at all times.

Investment Advice

What do you want your money to do for you? Maintain its real value or are you looking for long term capital growth?

Using our unique 3 step investment process, we will assess:

What size emergency fund do you need?

What return you need to achieve your goal?

What level of risk you need to take to achieve your goal?

Is your risk profile compatible with the return required?

Are trade-offs required?

We won’t promise to make you rich but if you understand the nature of compounding money, and are seeking consistency and protection, we are the advisor for you.
Pension Advice

Planning for retirement can be complex and confusing. When advising our retirement clients, we look at:

What you want to do in retirement and how much will this cost?

How much will you need so you can do everything you want.

What assets and sources of income do you already have, including savings, property and your business?

What is the shortfall between what you have and what you need?

What is the most tax efficient way of bridging that shortfall?
Income Protection

Have you ever thought about how reliant you are on your salary?

For most people, their entire lifestyle is based around their ability to earn an income.

Employees get €9,774 a year in State disability if they are unable to work due to illness.

Company directors and the self employed get no State assistance at all.

You can insure your income against being unable to work due to accident or illness and receive a replacement income until you are well enough to return to work.
Life Cover

For most people, life cover is just a big number. What is important is how much that equates to as a regular income.

What level of income do you want your family to have if you died prematurely?

What assets and sources of income do you already have to meet this need?

What do you need to bridge the shortfall.

By looking at all of your assets together, you cut down on the need for additional life cover.

We calculate the life cover needs as a monthly income so it is an amount that is identifiable and easy to understand.
Mortgages

There are a lot of criteria that have to be satisifed before you can even apply for a mortgage. We will work with you to get all the required paperwork ready and package your application in the best possible way to increase your chances of getting the mortgage that you want.