Financial products typically have a series of technical, investment and taxation features, and while some consumers may be able to find their own way through the jargon, others will benefit from the expert advice and guidance of a Financial Broker.

An expert in financial matters, a Financial Broker provides services including: personal financial planning, life cover, serious illness cover, income insurance, health insurance, savings, investments, pensions, retirement planning, mortgages and commercial finance.

A Financial Broker will take time to get to know you and your financial goals and help you come up with a plan. They will research products that match your needs from the range of companies they deal with, providing a “fair analysis” of the relevant market.

When business is conducted with Money Plus as a result of advice given, the firm is ordinarily remunerated by the institution with whom we hold an agency. At any time, as an alternative, business can be transacted on a fee basis.

A Financial Broker’s best customers are repeat, so it is in their interest to put your needs first. By law they must put your interests above earnings in their recommendations. Brokers are subject to rigorous enforcement rules by the Central Bank of Ireland and may face fines, revocation or disqualification if they do not follow those rules.

Financial Brokers offer an advisory service and will never ask for monies to be made payable to them. Instead you pay the insurer or product provider in full, or by direct debit directly to these institutions. This means there is no solvency risk in dealing with Financial Brokers.

Financial Brokers are obliged to have a qualification or be accredited by experience. They are full time professionals, who constantly study all relevant markets and receive regular briefings from various product providers.

Solid financial plans and strategy: at Money Plus we will analyse your resources and develop a strategy to minimise your risks and get the most out of your money over time.

No. Each provider will invariably recommend its own products. This means you do not get the relative choice available across the marketplace. This is what we do. We will establish what is best for your set of circumstances from the many providers across the market.

You do not get a discount because you go directly to a provider. In fact you will sometimes get better value when you have Money Plus representing you because institutions may compete with each other to win your business. We are normally paid by the institutions and insurance companies for the business we introduce to them. We explain all costs and charges so you know exactly what you are paying.

Before any business is agreed we will discuss in full our fees and payment structures. Only when you agree and clearly understand all the costs and charges associated do we proceed with any business. You can choose if you wish to pay by way of a fee or more usually we are remunerated by the company (or companies) through whom we place business. The level of payment to us will depend on the type of business and the payment structures that are in place at the time of placing the business. We will discuss both options and you can decide which one is best for you.