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Annual Financial Review
Keep your financial plan up to date with a regular, no-fee review built around your life, goals and next priorities.
30+ Years’ Experience
Nationwide Service
Not sure what financial step to take next?
A financial plan should not be something you set up once and forget about.
Your income may change. You may buy a home, start a family, change jobs, grow a business, build savings or begin thinking more seriously about retirement.
At Covermore, an annual financial review gives you the opportunity to step back, look at the bigger picture and make sure your mortgage, protection, pension, savings and investments still reflect your life today.
It is a simple, no-fee conversation designed to help you stay clear on what is in place, what may need attention and what sensible step to take next.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
Why have an annual financial review?
Your income may have changed
A salary increase, career move, new business or change in working hours can affect your pension contributions, protection needs, savings goals and financial priorities.
Your family circumstances may be different
Marriage, children, separation, caring responsibilities or other life changes can all create a reason to review your financial arrangements.
Your mortgage may need attention
You may be approaching the end of a fixed rate, considering a switch, taking a mortgage top-up or reviewing how your repayments fit into your wider plan.
Your protection may no longer reflect your needs
Mortgage protection, life insurance and income protection should be reviewed when your mortgage, income, family or financial commitments change.
Your pension may need to catch up
A pension contribution that suited you years ago may no longer match your income, retirement goals or future plans.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
What an annual financial review can cover
An annual financial review is an opportunity to look at your finances as your life, income and priorities change.
It can cover your mortgage, protection, pension, savings, investments, family needs and future goals.
We help you review where you are now, identify what may need attention and make informed decisions for the year ahead.
Your mortgage and borrowing
We can review your current mortgage, repayment structure, protection needs and whether there may be a reason to consider a mortgage switch, top-up or wider borrowing review.
Your protection
We help you review existing mortgage protection, life cover, income protection and family protection to understand whether they still reflect your current position.
Your pension
We can look at your pension arrangements, contribution levels, retirement goals and whether your plan still supports the future you want.
Your savings goals
We help you review emergency savings, children’s education savings, tax planning, home improvements and other practical financial goals.
Your investments and long-term plans
Where relevant, we can review investments, investment property planning and longer-term wealth-building goals as part of your wider financial picture.
What to prepare before speaking to an advisor
It can be useful to have a general understanding of:
Any recent changes to your income, work or business
Your mortgage, loans and regular household commitments
Existing life cover, mortgage protection or income protection
Your current pension arrangements and contributions
Savings, investments and future financial goals
Your family circumstances and any changes since your last review
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Keep making smart financial decisions as life changes
Hidden
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.