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News / Blog

Women in Construction, Excellence in Business Awards

Women in Construction, Excellence in Business Awards
Susan O'Mara, Women in Construction,Excellence in Business Awards 2017 winner

The need for mandatory pensions in Ireland

 The need for mandatory pensions in Ireland
If you follow this regular advice column you’ll note that there is a heavy bias towards retirement planning.

Is Life cover important?

Is Life cover important?
Is Life cover important? I frequently get asked this by clients and friends alike…they go on to say “I have mortgage protection anyway, sure that’s the same thing right?” Yes, and No

Avocado and Toast

Avocado and Toast
You may have recently heard of Grant Sabatier, a 31 year old apparently self- made millionaire – who blames avocado toast for the reason millennials can’t save money.

Are Pensions too complicated?

Are Pensions too complicated?
Well.. No… and Yes I’ve penned a few jargon busting articles here over the last few years as I’ve assumed (yes, I know what they say about assuming) that it is only the language around Pensions that is complicated.

From the cradle to the grave…..

From the cradle to the grave…..
For some, it’s a lyric from a song and for others it’s a Marxist ideal that the state will take care of its citizens from the day we are born until the day we die. A nice idea but not part of the current economic plan.

The Benefits of Sick Pay Cover

The Benefits of Sick Pay Cover
Pensions are an essential part of an employee’s overall remuneration package and they are an important recruitment and retention tool, especially as certain positions become more difficult to replace.

Life after career

Life after career
While the role of the financial adviser is to focus on the money, sometimes the planning phase can raise other issues a client has not previously considered.

What’s happening in pensions today?

What’s happening in pensions today?
First of all, we recognise that pensions may not be the most exciting topic in the world! However it’s an extremely important topic. After all, your pension may be the single biggest financial commitment of your life.

My top tip of 2017

My top tip of 2017
In trying to compile my annual top tips for the coming year, I researched far and wide for pearls of wisdom that I might not have already thought of myself....

The New Paternity Leave Legislation – at a Glance!

The New Paternity Leave Legislation – at a Glance!
The Paternity Leave and Benefit Act 2016, entitles the “relevant parent” of a child, time off work to provide or assist in the provision of care to a child, or to provide support to the mother of a child, or an adopting parent.

A Year Supporting Pieta House

A Year Supporting Pieta House
In 2016, CPAS decided to partner with Pieta House and the Mind Our Workers campaign, to drive awareness of suicide and self-harm in the construction sector.

A guide to Keyperson Cover

A guide to Keyperson Cover
Did you know that if you are a business owner, there is a way to protect your business in the event of the death or serious illness of an important member of your team?

Budget 2017 - What you need to know

Budget 2017 - What you need to know
CPAS has reviewed the details of Budget 2017 to provide you with the relevant information relating to pensions and your personal finance.

Income Protection - Jargon Buster

Income Protection - Jargon Buster
In my last piece I discussed the benefits around understanding some of the jargon involved in financial planning and continuing on this theme as promised, I am now looking at some of the confusing terminology around Protection products.

CPAS Roadshows

CPAS Roadshows
CIF Pension Administration Services (CPAS) are delighted to bring you details of our series of Autumn Roadshows.

The Law Relating to Compulsory Retirement

The Law Relating to Compulsory Retirement
Michael Doyle of Arthur Cox, legal advisors to the CERS pension arrangement, has provided this article particularly aimed at employers to help explain some of the changes of the Equality Act 2015 and what they might mean to them.

Busting financial jargon

Busting financial jargon
As a financial advisor with specific focus on the Construction Sector, I find myself frequently discussing business on this basis.

Pensions and Divorce - the Highlights!

Pensions and Divorce - the Highlights!
Did you know that after the family home, a pension is often the most valuable asset a separating couple have?

Congratulations to all the Irish Construction Industry Awards 2016 winners!

Irish Construction Industry Awards 2016

What is Lifestyling?

What is Lifestyling?
“Lifestyling” is a term that is used frequently when discussing pension savings but what does it mean?

Pensions & Tax Relief

Pensions & Tax Relief
At a recent Breakfast Briefing in the CIF, attendees learned some useful information regarding Pensions and taxation for company owners and sole traders and continuing the theme.

Government choices – are they fair and taxing the wealthy?

Government choices – are they fair and taxing the wealthy?
The 2015 Finance Bill was signed on 9 December 2015, and the main changes will now be noticed in January pay packets.

6 Things to do differently in 2016….

6 Things to do differently in 2016….
If you are one of those rare people who is doing everything right with their money, this article is not for you. For the rest of us, here are 6 simple things to do differently in 2016 that will help your financial health flourish.

Planning for your retirement?

Planning for your retirement?
We mean two things when we talk about planning for retirement. The first plan is to set up a pension scheme, the second is to actually plan for your retirement.

What impact does China have on your pension?

What impact does China have on your pension?
We’ve all heard the noises over the last few weeks of the Chinese stock market falling sharply. But China is over 5,000 miles away from Ireland, so how can events in China impact on a pension fund member here? Investment return is how.

31 October 2015 is an important date in all of our calendars...

31 October 2015 is an important date in all of our calendars...
31 October is an important date in all of our calendars. It represents a last chance to get some money back from the taxman for 2014!

Get on your bike and start a pension early

Get on your bike and start a pension early
Get on your bike and start a pension early So….are you too young to start thinking about a pension? The simple answer is NO!

CIF Breakfast Briefing

CIF Breakfast Briefing
Do you want to work for ever? No, very few people do. Retirement is now considered the third phase of our life and for some fortunate people, can last as long as their working lives!

How important is Life Cover?

How important is Life Cover?
Life Cover is an important yet often overlooked feature of good financial planning… To decide if it is something you need, you simply have to ask; how would your family cope financially if you, as either the main or joint income earner, died?

Do you have an appropriate investment portfolio?

Do you have an appropriate investment portfolio?
Whether saving for retirement or investing in an ARF post retirement, one of the most important factors is having the appropriate investment portfolio.

Digging through the pensions jargon!

Digging through the pensions jargon!
All industries have their own terminology but the area of pensions is littered with jargon and abbreviations.

How many reasons do you need to start a pension?

 How many reasons do you need to start a pension?
The dictionary defines a pension as “A fixed amount, other than wages, paid at regular intervals to a person or to the person's surviving dependents in consideration of past services” or “an allowance, annuity, or subsidy.”

Teach your Children about Money!

Teach your Children about Money!
Teach your Children about Money!

Lessons learned since the financial crisis

Lessons learned since the financial crisis
Late 2007 brought the beginning of the Global Financial Crisis, considered to be on par with the Great Depression.

What will Compulsory Pensions mean for the Construction Industry

What will Compulsory Pensions mean for the Construction Industry
What will Compulsory Pensions mean for the Construction Industry?

The typical life-cycle of your financial needs

The typical life-cycle of your financial needs
Throughout your working life, your financial needs will change and evolve. A clear understanding of the life-cycle of your financial needs will help you prioritise your goals.. [Read more]

Income Protection - protecting against accident and illness

Income Protection - protecting against accident and illness
Have you thought about how you would manage if an accident or illness prevented you from working and earning an income? Susan O'Mara outlines the options

2015 Finance Act - Key changes to look out for this year

2015 Finance Act - Key changes to look out for this year
Late last year, when the 2015 Budget was announced, there appeared to be few changes in relation to Pensions, Life Assurance & Savings.

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