{"id":2484,"date":"2017-05-03T12:51:50","date_gmt":"2017-05-03T12:51:50","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=2484"},"modified":"2021-09-16T18:06:45","modified_gmt":"2021-09-16T17:06:45","slug":"meeting-financial-adviser","status":"publish","type":"page","link":"https:\/\/ccpc.inventise.ie\/consumers\/money\/getting-financial-advice\/meeting-financial-adviser\/","title":{"rendered":"Meeting your financial adviser"},"content":{"rendered":"<h3>Preparing for the meeting<\/h3>\n<ul>\n<li>Complete our <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/getting-financial-advice\/choosing-a-financial-adviser\">choosing a financial adviser checklist<\/a> and arrange a meeting with a financial adviser.<\/li>\n<li>Gather any documents that you think your adviser might need and bring them along with you, for example, information on previous pensions you have paid into or your current investment portfolio and so on.<\/li>\n<li>Bring along proof of your identity and address. If you are unsure what you might need to bring, call the financial adviser in advance.<\/li>\n<\/ul>\n<h3>During the meeting<\/h3>\n<ul>\n<li>Always answer your adviser\u2019s questions fully and honestly. It will help both you and your adviser to get a clearer picture of your overall circumstances.<\/li>\n<li>Take notes during your meeting in case you forget something later and\u00a0ask questions\u00a0about anything you don\u2019t understand.<\/li>\n<li>Take time to consider any recommendations carefully and don\u2019t sign anything unless you have read and understood it fully.<\/li>\n<\/ul>\n<h3>Questions to ask<\/h3>\n<p>Click the dropdown for specific questions you should ask your adviser if you are getting advice on investments, pensions, insurance or mortgages.<\/p>\n<div id=\"accordion-1\" class=\"accordion no-js\"><\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t1\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c1\" aria-expanded=\"false\" tabindex=\"0\" data-initialstate=\"closed\">\n\t\t\t\tInvestments\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c1\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p><strong>Investments<\/strong><\/p>\n<ul>\n<li>How will this investment meet my future needs?<\/li>\n<li>What are the\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/investing\/understanding-investment-risk\">main risks<\/a>\u00a0with this investment? Is\u00a0my capital, or any growth in the investment, secure?<\/li>\n<li>Is this investment regulated and am I covered under the Investment Compensation Fund or the Deposit Guarantee Scheme?<\/li>\n<li>What charges are involved? How do they compare with similar products on the market?<\/li>\n<li>Are the charges ongoing or are they a once-off?<\/li>\n<li>What, if any, ongoing services will be provided by you and what will the cost be?<\/li>\n<li>Do I make regular payments, for example, monthly payments or a once off payment or both?<\/li>\n<li>What would happen if\u00a0I missed a payment on the product?<\/li>\n<li>What is the minimum recommended term of the investment?<\/li>\n<li>If I cash in my investment early, will\u00a0I have to pay a penalty?<\/li>\n<li>Do I have to pay tax? How much and when will this have to be paid?<\/li>\n<li>Will the investment affect\u00a0my tax or social welfare benefits?<\/li>\n<li>How will\u00a0I find out how\u00a0my investment is performing?<\/li>\n<\/ul>\n<p>Get more information on\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/investing\">investments<\/a>.<\/p>\n<p>\t\t<\/div>\n\n\t\t\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t2\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c2\" aria-expanded=\"false\" tabindex=\"0\" data-initialstate=\"closed\">\n\t\t\t\tPensions\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c2\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p><strong>Pensions<\/strong><\/p>\n<ul>\n<li>What <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/pensions\/\">pension<\/a> plans are available in my circumstances, for example, \u00a0Personal Retirement Savings Account, Personal Pension Plan or employer pension scheme?<\/li>\n<li>What is the difference between a defined benefit and a defined contribution pension?<\/li>\n<li>Can I pay <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/pensions\/adding-pension-avcs\/\">Additional Voluntary Contributions<\/a> into the pension?<\/li>\n<li>What charges are involved? How do they compare with similar products on the market?<\/li>\n<li>Are the charges ongoing or are they a once-off?<\/li>\n<li>What, if any, ongoing services will be provided by you and what will the cost be?<\/li>\n<li>How much tax will I have to pay? What tax will I have to pay on my pension income?<\/li>\n<li>How often will I get information about my pension?<\/li>\n<li>What are my options when I retire? Is an Annuity or an Approved Retirement Fund an option? What are the <span class='tooltipsall tooltip_post_id_custom_1ef0eee80c57ba5ec3b94a9a94407e07 classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>pros and cons<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_1ef0eee80c57ba5ec3b94a9a94407e07','Let your adviser know if you have a health condition which may reduce your life expectancy in retirement\\.'); });<\/script> of each of these?<\/li>\n<li>Will I also be entitled to the state pension?<\/li>\n<li>Will the pension provide for my dependants when I die?<\/li>\n<\/ul>\n<p>Also think about any other assets that you can use in your retirement which may provide you with an income such as other property, savings, investments etc.<\/p>\n<p>Get more information on\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/pensions\/\">planning for your pension<\/a>\u00a0and\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/budgeting\/life-stages\/retiring\">pension benefits after retiring<\/a>.<\/p>\n<p>\t\t<\/div>\n\n\t\t\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t3\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c3\" aria-expanded=\"false\" tabindex=\"0\" data-initialstate=\"closed\">\n\t\t\t\tInsurance\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c3\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p><strong>Insurance<\/strong><\/p>\n<ul>\n<li>What exactly am I covered for and for how long? If it\u2019s an annual policy, how and when will I be contacted about the renewal?<\/li>\n<li>Is this cover necessary for me? Are there alternative policies that will suit my needs better?<\/li>\n<li>How will my premium be calculated?<\/li>\n<li>Is there any excess or exclusions?<\/li>\n<li>Could the premium increase for any reason?<\/li>\n<li>Is the insurance policy subject to reviews? If so, how often, and could my premium be increased at reviews?<\/li>\n<li>What happens if the insurance company goes out of business?<\/li>\n<li>When and why\u00a0could my\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/insurance\/making-an-insurance-claim\">claim\u00a0<\/a>be refused?<\/li>\n<li>What support do you offer during a claim?<\/li>\n<\/ul>\n<p>Get more information on\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/insurance\/\">insurance<\/a>.<\/p>\n<p>\t\t<\/div>\n\n\t\t\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t4\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c4\" aria-expanded=\"false\" tabindex=\"0\" data-initialstate=\"closed\">\n\t\t\t\tMortgages\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c4\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p><strong>Mortgages<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/mortgages\/how-much-of-mortgage-can-you-get\/\">How much can I borrow?<\/a><\/li>\n<li>What deposit do I need? What documents will I need to give the lender to show them how I saved the deposit, for example, statements from savings account?<\/li>\n<li>What is the best\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/housing\/mortgages\/types-of-mortgage\">type of mortgage<\/a>\u00a0for my needs?<\/li>\n<li>What are the monthly repayments over different terms, such as 20, 30, 35 years?<\/li>\n<li>How long will my mortgage approval last?<\/li>\n<li>What is the\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster\">APR<\/a>\u00a0(annual percentage rate)?<\/li>\n<li>If I get a discounted rate, what rate applies at the end of the discounted period and what effect will that have on my repayments and the total cost of the loan?<\/li>\n<li>What cash back offers or other incentives are available? When will I receive the money?<\/li>\n<li>What effect will an increase in interest rates have on my repayments?<\/li>\n<li>Are there\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/housing\/mortgages\/changing-your-mortgage\/\">flexible terms available<\/a>?<\/li>\n<li>What are the penalties\u00a0if I change from a fixed to a variable rate?<\/li>\n<li>What type of insurance do I need with the mortgage?<\/li>\n<li>Am I eligible for the <a href=\"https:\/\/www.revenue.ie\/en\/property\/help-to-buy-incentive\/index.aspx\">help to buy scheme<\/a>?<\/li>\n<li>Will I have to pay stamp duty?<\/li>\n<li>Do you charge a fee if I don\u2019t go with your mortgage offer?<\/li>\n<\/ul>\n<p>Get more information on\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/housing\/mortgages\/\">mortgages<\/a>.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Prepare for your meeting with a financial adviser, find out what questions to ask and what to look out for. <\/p>\n","protected":false},"author":111,"featured_media":0,"parent":2036,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[12,8],"class_list":["post-2484","page","type-page","status-publish","hentry","tag-help","tag-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - 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