Through regular, no-fee consultations, we help you understand where you are, what you need, and what sensible financial step to take next.
A simple framework for your next smart financial decision
We provide no-fee financial advice across the key areas of personal and business financial planning.
Our advice is designed to be clear, practical and tailored to your stage of life.
Build Your Emergency Fund
Start with a practical safety buffer
An emergency fund gives you breathing room when unexpected costs arise, from car repairs and bills to changes in income or work.
A common target is around three months’ net income, but the right amount depends on your household and responsibilities. Covermore can help you set a realistic goal and build towards it in a practical way.
This step may be relevant if:
You have little or no emergency savings
You are relying on credit cards or loans for unexpected costs
Your income varies from month to month
You want more financial peace of mind
Related Services
Protect Your Debt
Make sure debt does not become a burden if something happens
Debt can build up at different stages of life, from mortgages and personal loans to car finance, business borrowing and credit commitments.
Protecting your debt means making sure suitable cover is in place if illness, injury or death affects your ability to repay it, especially where mortgage debt or family responsibilities are involved.
This step may be relevant if:
You are buying your first home
You are reviewing mortgage protection
Your existing cover has not been reviewed in years
You want to make sure your family would not be left with debt pressure
Related Services
Protect Your Income
Start with a practical safety buffer
Your income supports your mortgage or rent, bills, savings, pension contributions and future plans. If illness or injury stopped you from working, the impact could be serious.
Covermore can help you review whether income protection or a suitable alternative may be appropriate, based on your occupation, existing benefits, cover and budget.
This step may be relevant if:
You rely on your income to pay your mortgage or rent
You are self-employed
You do not have strong employer sick pay benefits
You work in a trade or higher-risk occupation
You have dependants
You want to protect your ability to keep saving and planning
Related Services
Protect Your Family
Help protect the people who depend on you
If someone depends on your income, care or financial support, family protection should be part of your financial plan.
Life cover can help support your family if the unexpected happens, especially where children, a partner, mortgage or shared bills are involved. Covermore can review what is already in place and explain suitable options in plain English.
This step may be relevant if:
You have children
You are married or living with a partner
You have a mortgage or rent commitment
Your family depends on your income
Your existing life cover has not been reviewed recently
You are unsure how much cover may be enough
Related Services
Build Your Pension
Having a pension is not always the same as being on track
A pension is an important long-term planning tool, but many people are unsure if they are paying enough, invested appropriately or on track for retirement.
Whether you are starting a pension, reviewing old plans, increasing contributions or exploring pension options as a business owner, Covermore can help you understand what you have, what it may provide and how to improve your position.
This step may be relevant if:
You do not have a pension
You have an old pension that needs review
You are unsure whether you are contributing enough
You are a company director
Your income has increased
You are self-employed
Your retirement goals have changed
Related Services
Create Savings Goals
Give your savings a clear purpose
Saving is easier when you know what you are saving for, whether that is education, taxes, holidays, a car, home upgrades, a deposit, business needs or rebuilding your emergency fund.
Covermore can help you create practical savings goals that fit your life and wider financial plan.
This step may be relevant if:
You want to save for your children
You are planning future education costs
You are self-employed and need to prepare for taxes
You want to save for holidays, cars or home improvements
You recently bought a home and used most of your savings
You want to build better financial habits
Related Services
Invest and Build Wealth
Plan for longer-term financial growth
Once the right foundations are in place, investing and wealth planning can help you look beyond protection, pensions and short-term savings.
This may include long-term investments, property, business owner planning, company structures and wider financial planning.
This step may be relevant if:
Investment Advice
Wealth Planning
Investment Properties
You are a company director or business owner
You want to build long-term wealth
You want to review existing investments
You want to understand risk before making decisions
Related Services
Build Your Emergency Fund
Start with a practical safety buffer
An emergency fund gives you breathing room when unexpected costs arise, from car repairs and bills to changes in income or work.
A common target is around three months’ net income, but the right amount depends on your household and responsibilities. Covermore can help you set a realistic goal and build towards it in a practical way.
This step may be relevant if:
You have little or no emergency savings
You are relying on credit cards or loans for unexpected costs
Your income varies from month to month
You want more financial peace of mind
Protect Your Debt
Make sure debt does not become a burden if something happens
Debt can build up at different stages of life, from mortgages and personal loans to car finance, business borrowing and credit commitments.
Protecting your debt means making sure suitable cover is in place if illness, injury or death affects your ability to repay it, especially where mortgage debt or family responsibilities are involved.
This step may be relevant if:
You are buying your first home
You are reviewing mortgage protection
Your existing cover has not been reviewed in years
You want to make sure your family would not be left with debt pressure
Protect Your Income
Start with a practical safety buffer
Your income supports your mortgage or rent, bills, savings, pension contributions and future plans. If illness or injury stopped you from working, the impact could be serious.
Covermore can help you review whether income protection or a suitable alternative may be appropriate, based on your occupation, existing benefits, cover and budget.
This step may be relevant if:
You rely on your income to pay your mortgage or rent
You are self-employed
You do not have strong employer sick pay benefits
You work in a trade or higher-risk occupation
You have dependants
You want to protect your ability to keep saving and planning
Protect Your Family
Help protect the people who depend on you
If someone depends on your income, care or financial support, family protection should be part of your financial plan.
Life cover can help support your family if the unexpected happens, especially where children, a partner, mortgage or shared bills are involved. Covermore can review what is already in place and explain suitable options in plain English.
This step may be relevant if:
You have children
You are married or living with a partner
You have a mortgage or rent commitment
Your family depends on your income
Your existing life cover has not been reviewed recently
You are unsure how much cover may be enough
Build Your Pension
Having a pension is not always the same as being on track
A pension is an important long-term planning tool, but many people are unsure if they are paying enough, invested appropriately or on track for retirement.
Whether you are starting a pension, reviewing old plans, increasing contributions or exploring pension options as a business owner, Covermore can help you understand what you have, what it may provide and how to improve your position.
This step may be relevant if:
You do not have a pension
You have an old pension that needs review
You are unsure whether you are contributing enough
You are a company director
Your income has increased
You are self-employed
Your retirement goals have changed
Create Savings Goals
Give your savings a clear purpose
Saving is easier when you know what you are saving for, whether that is education, taxes, holidays, a car, home upgrades, a deposit, business needs or rebuilding your emergency fund.
Covermore can help you create practical savings goals that fit your life and wider financial plan.
This step may be relevant if:
You want to save for your children
You are planning future education costs
You are self-employed and need to prepare for taxes
You want to save for holidays, cars or home improvements
You recently bought a home and used most of your savings
You want to build better financial habits
Invest and Build Wealth
Plan for longer-term financial growth
Once the right foundations are in place, investing and wealth planning can help you look beyond protection, pensions and short-term savings.
This may include long-term investments, property, business owner planning, company structures and wider financial planning.
This step may be relevant if:
Investment Advice
Wealth Planning
Investment Properties
You are a company director or business owner
You want to build long-term wealth
You want to review existing investments
You want to understand risk before making decisions
Not sure what financial step to take next?
Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.