History teaches us many things. Particularly if we’re looking for a bit of guidance in prudent personal financial management, the last decade offers us a wealth of useful lessons.

A marriage breakup is usually a traumatic time. Very significant life decisions are needed about custody of children and access arrangements, and where each party will live. Often relations between the parties become quite fraught… and then financial arrangements need to be agreed.

At this stage, the difficult areas of dividing up the assets, maintenance payments and agreeing the ongoing repayment of debt need to be tackled. Having a financial planner involved in this process is very valuable, as they will approach the task in hand without emotion. Our job is simply to achieve the very best outcome in relation to the financial issues that will inevitably arise.

So to help you, here are some of the areas that we can help you with.

OUR BUSINESS PARTNERS We have agencies with the providers listed below so unlike the Bank or a Tied Agent you will get choice. We will source the solutions that are best suited to your needs and make sure you are getting value for your money.

I recently asked Bill Coyne to review several personal insurance policies and a pension plan that I purchased some time ago. Bill arranged to meet me at a time that suited me and reviewed the policies. He took copies of the policies and contacted me a couple of days later with his findings. He sent me a written report which highlighted some very interesting points. Each policy I had purchased was setup with very large commission for the person who sold it. I was over paying for some cover by as much as €60 per month. The ongoing fees on my policies were excessive. In short Bill managed to suggest several ways to improve my cover while saving me money. I would have no hesitation in recommending Bill and would suggest that anyone who has an insurance policy or pension should let him review them .From my experience he will save you money. Fergus Flanagan - Managing Director of APM Securities Ltd