Financial Planning

From anticipating future shocks to helping families and businesses with financial planning, we’re always ready with the advice and support you need to reach your full potential. Whether you're planning for retirement, protecting your family’s financial future, or making strategic investment decisions, we provide expert guidance tailored to your unique circumstances. Our team helps you take control of your finances with proactive planning, ensuring long-term security and peace of mind. By understanding your goals and identifying opportunities, we work with you to build a solid financial foundation, so you can move forward with confidence, no matter what the future holds.

Ifac Investment Services Ltd, trading as ifac Financial Planning, is regulated by the Central Bank of Ireland, and comprises highly qualified advisors, supported by a dedicated team providing exceptional service to our clients.

Martin Glennon, Head of Financial Planning

Our financial planning process:

At ifac Financial Planning, we can help you make informed financial decisions by providing a structured financial planning process. Using advanced cashflow modelling tools, we create a clear picture of your financial future, allowing you to plan with confidence.

Step 1: Understanding your goals

Every financial plan starts with you. We take the time to understand your financial objectives—whether it's securing your retirement, protecting your family, growing your wealth, or planning for major life events.

Step 2: Gathering & analysing your financial data

We review your income, assets, liabilities, expenses, and existing financial arrangements. This information is then fed into CashCalc, which allows us to build a personalised financial model of your current and future position.

Step 3: Building your cashflow model

We create a visual projection of your finances over time. This model:

Maps out your income and expenditure over the years.
Identifies potential shortfalls or surpluses.
Tests different scenarios, such as early retirement or investment decisions.
Helps optimise pension contributions, savings, and investments.

Step 4: Developing a financial strategy

Based on your cashflow model, we provide tailored recommendations to help you achieve your financial goals. These may include:

Maximising tax-efficient savings and investments.
Structuring retirement income for sustainability.
Ensuring appropriate protection against risks.
Planning for intergenerational wealth transfer.

Step 5: Implementing your plan

Once we’ve agreed on the best course of action, we assist you in implementing the recommended strategies. This could involve setting up or adjusting pensions, investments, or protection policies.

Step 6: Regular review & ongoing advice

Financial planning is an ongoing process, not a one-time event. We provide regular reviews to ensure your plan remains on track and adapts to life’s changes—be it career moves, family developments, or evolving financial goals.

Why use cashflow modelling?

See your financial future clearly – Understand how today’s decisions impact your long-term position.

Test different scenarios – Plan for the unexpected, from market downturns to early retirement.

Make informed decisions – Avoid guesswork and gain confidence in your financial choices.

Start your financial planning journey today

Our goal is to give you clarity, confidence, and control over your financial future. Contact us to book a consultation and start planning with certainty.