Reach out today Contact us today alternatively book a consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Professional Pension Adjustment Order (PAO) Advice in Ireland If you have received a Pension Adjustment Order following divorce, judicial separation, or the dissolution of a civil partnership, understanding your pension benefits and retirement options can be complex. At Quigley Financial Brokers, we provide impartial Pension Adjustment Order advice in Ireland, helping individuals understand their pension entitlements, review their retirement options, and make informed financial decisions for the future. Whether you are the member spouse or the non-member spouse, we can help you understand how your Pension Adjustment Order affects your retirement planning and what options may be available to you. What Is a Pension Adjustment Order? A PAO is a court order that allocates part of a pension benefit from one spouse or civil partner to another following divorce, judicial separation, or separation proceedings. Depending on the type of pension arrangement involved, a PAO may apply to: Occupational Pension Schemes Company Pension Schemes Defined Benefit Pensions Defined Contribution Pensions Public Sector Pensions Executive Pension Plans Retirement Benefits Lump Sum Benefits Death in Service Benefits Understanding the value of your pension entitlement and how it fits into your overall financial position is an important part of long-term retirement planning. Pension Adjustment Order Advice for Non-Member Spouses Many individuals receive pension benefits through a Pension Adjustment Order but are unsure: What their pension is worth When benefits can be accessed Whether benefits can be transferred How retirement options work How the pension fits into their broader financial plan We can help you understand your pension benefits and explore available retirement planning options. Pension Adjustment Order Advice for Member Spouses If you are the member spouse, it is important to understand: How the Pension Adjustment Order impacts your retirement benefits Your remaining pension entitlements Retirement income projections Pension consolidation opportunities Future retirement planning strategies We can provide a comprehensive review of your pension position and help you plan for retirement with confidence. Why Seek Pension Adjustment Order Advice? Many individuals do not fully understand the long-term value of pension benefits awarded through a Pension Adjustment Order. Professional advice can help you: Understand your pension benefits Review retirement income options Assess pension transfer opportunities Consolidate existing pensions Plan for retirement with greater confidence Create a long-term financial strategy Why Choose Quigley Financial Brokers? Established in 1997, Quigley Financial Brokers provides impartial financial advice to clients throughout Ireland. We help clients: Understand Pension Adjustment Orders Review pension benefits Assess retirement options Consolidate pensions Develop retirement strategies Protect and grow long-term wealth Our approach focuses on providing clear, practical advice tailored to your individual circumstances. Arrange a Pension Adjustment Order Consultation If you have received a Pension Adjustment Order and would like to understand your pension benefits, retirement options, or financial planning opportunities, we would be pleased to assist. Contact us today alternatively book a consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book a consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Have you worked in the UK and now live in Ireland? You may be able to transfer your UK pension to Ireland through an approved pension transfer arrangement. A UK pension transfer can help simplify your retirement planning and bring your pension savings closer to home. At Quigley Financial Brokers, we provide professional advice on: UK Pension Transfers to Ireland QROPS Advice (Qualifying Recognised Overseas Pension Scheme) UK Pension Reviews Pension Consolidation Irish Pension Transfers Retirement Planning Ireland Pension Transfer Advice Ireland Personal Pensions PRSAs Executive Pensions Pension Retirement Options Our advisers can review your existing UK pension, explain your transfer options, and help determine whether a QROPS transfer, UK pension transfer to Ireland, or alternative pension solution may be suitable for your circumstances. Whether you have a defined contribution pension, workplace pension, personal pension, or multiple UK pension schemes, obtaining professional advice is an important first step. Request a Free UK Pension Review If you are looking for advice on transferring a UK pension to Ireland, QROPS pensions, UK pension consolidation, or retirement planning in Ireland, contact Quigley Financial Brokers today. Quigley Financial Brokers – Protecting, Structuring & Growing Wealth Since 1997 Pension transfers are not suitable for everyone. A full review is required before any recommendation can be made. Contact us today alternatively book a consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Protecting Your Home and Your Family & Financial Security For most people, their home is their largest financial commitment. While arranging a mortgage is an important step, protecting your ability to repay that mortgage is equally important. Mortgage Protection Insurance helps ensure that your mortgage can be repaid if you die during the term of the loan. However, adding Accelerated Serious Illness Cover can provide an additional layer of protection when you may need it most. Key Benefits of Mortgage Protection with Accelerated Serious Illness Cover 1. Protection While You Are Still Alive Many people focus solely on life cover, which pays out upon death. However, a serious illness can have an immediate impact on your finances long before life cover would ever be needed. Accelerated Serious Illness Cover can provide a tax free lump sum when you are diagnosed with a covered condition, allowing you to focus on recovery rather than worrying about mortgage repayments. 2. Financial Security During Recovery A serious illness may result in: Reduced earnings Time away from work Additional medical expenses Travel and treatment costs Home adaptation expenses A tax free lump-sum payment can provide valuable financial flexibility at a time when your income may be affected. 3. Potential to Clear the Mortgage Many policyholders choose to use the lump-sum payment to repay all or part of their mortgage. This can remove a major financial burden and provide peace of mind for both the individual and their family. 4. Protecting Your Family & Lifestyle Without adequate protection, a serious illness can place significant strain on household finances. Mortgage Protection with Accelerated Serious Illness Cover can help ensure that your family can remain in their home without the added worry of meeting mortgage repayments during an already challenging time. 5. Peace of Mind Knowing that both death and specified serious illnesses are covered can provide reassurance that you have taken practical steps to protect your financial future and your family's security. Is Serious Illness Cover Worth Considering? While adding Serious Illness Cover increases the cost of a Mortgage Protection policy, many people consider the additional protection worthwhile. Advances in medical treatment mean more people are surviving serious illnesses and living longer after diagnosis. The financial impact of these conditions can often be significant, even when recovery is successful. For many homeowners, the risk of suffering a serious illness during their working life may be greater than the risk of dying before retirement. Choosing the Right Level of Cover Every individual & circumstances are different. Factors such as age, health, family commitments, mortgage size, income, and budget should all be considered when selecting cover. A financial review can help determine: The most suitable level of Mortgage Protection Whether Serious Illness Cover is appropriate Additional protection needs such as Income Protection or Family Life Cover How to balance affordability with adequate protection Final Thoughts Mortgage Protection helps protect your home if you die during the mortgage term. By adding Accelerated Serious Illness Cover, you can also protect yourself and your family against the financial consequences of a serious illness diagnosis. Having the right protection in place can help ensure that your home remains secure, your financial commitments are manageable, and your family has greater peace of mind when facing life's unexpected challenges. Need Advice on Mortgage Protection? At Quigley Financial Brokers, we help clients compare Mortgage Protection and Serious Illness Cover options from leading providers in Ireland. We can help you find suitable cover that protects your home, your family, and your financial future. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. MORTGAGES Fast Approvals – In Weeks, Not Months! Whether you’re a first-time buyer, moving or upgrading your home, or looking to release equity, we make it simple. Access better rates with an easy switch. Up to 4% back in cash. Consolidate loans & reduce monthly costs. Unlock up to €300,000 from your home to do as you wish! Get in touch today for quick approval and expert advice. INVESTMENTS €160bn on deposit and interest rates are at an all-time sustained period! Make your money work harder tax efficiently. Grow your investments faster with our gross roll-up structure, allowing your returns to compound tax-free until each 8th anniversary. Our recommendation, you can earn approximately 5% per annum. We can help you: Review your current investments to uncover better options, lower fees, and stronger returns. Lump sum investments grow your wealth secure your future. Make the most of your deposits by turning idle savings into steady long-term growth. Set up flexible savings policies small steps into big results. Education planning invest early achieve more. Use the €3,000 annual gift exemption effectively. Gift tax planning pass on more pay less. Compound Interest Effect* Inflation Effect* FUTURE VALUE OF €1000 TODAY REAL VALUE OF €1000 TODAY Increasing at 5% p.a. Inflation at 5% p.a. After 1 year €1,050 1 year €952 After 2 years €1,103 2 years €907 After 3 years €1,158 3 years €864 After4 years €1,216 4 years €823 After 5 years €1,276 5 years €784 After 10 years €1,629 10 years €614 After 15 years €2,079 15 years €481 After 20 years €2,653 20 years €377 *Source; LIA factsheet November 2023 INSURANCES Protect what matters most. Review your insurance to secure better value and ensure your family, income, business and wealth are fully protected. We can help you with: Life Cover – protect your family’s future and maintain financial security. Mortgage Protection – make sure your home and mortgage are fully covered. Serious Illness Cover – provides a tax-free lump sum to help you stay financially secure during difficult times. Income Protection – secure your income if illness or injury stops you from working. Wage Protector – tailored income cover for high-risk occupations. Safeguard your business – with co-director, key person and partnership insurance. Protect your legacy – fund inheritance tax with a Section 72 policy [maximum age 75 years]. Capital Acquisitions Tax on or after 02/10/2024 Threshold* Relationship €400,000 Child, or minor child of a deceased child. €40,000 Brother, sister, child of a brother or sister, lineal ancestor, or descendant. €20,000 Other Tax Rate 33% *All benefits received since 5.12.1991 taken into a/c for threshold Annual Gift Exemption €3,000 You can cover the cost of future inheritance tax through a section 72 life insurance policy a revenue-approved plan whose proceeds are tax-free when used to settle an inheritance tax bill. Get an instant quote or review your existing policy to see if better rates or terms are available. PENSIONS Make the most of your pensions. Review your existing pensions to uncover better options, lower fees, and stronger returns. We can help you: Review your pensions progress. Get tax benefits when you start or top up your pension. Using a pension to extract wealth for business owners. Mature or transfer past employer pensions into your own name. Make sure your pension is on track for retirement. Review underperforming ARFs. Making the Right Choice We all need a little help making the right decisions about our finances. At Quigley Financial Brokers, we’re here to help you protect and grow your wealth guiding you toward the options that best suit you. There’s no right or wrong answer only the one that’s right for you. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. What if you were to have an accident or long-term illness that prevents you from earning a living? What is Wage Protector? An everyday essential that works when you can’t. It’s designed specifically for workers in riskier jobs who are generally more expensive to insure, such as construction workers, electricians, plumbers, mechanical engineers and the self-employed. Here are some of the benefits; Max Benefit Pays up to 75% of your salary. Deferred Period Choice of 4, 8, 13, 26 or 52 week option. Maximum Term Choice of ceasing ages: 55 to 70 years of age. Hospital Cash Benefit The policyholder receives an income equal to 1/365th of the annual benefit if they are in hospital for over 7 days during the deferred period. Tax Relief on Premiums Available at the policyholder’s marginal rate of tax. The product is divided into two types of cover: Transition Cover This cover kicks in after your chosen deferred period and pays you a replacement income for 24 months if you are unable to do your own job. This gives you an opportunity to get back on your feet or prepare for an alternative job. After this initial period, depending on your circumstances , full disability cover may apply. Disability Cover This cover will apply if you are unable to return to any work due to significant illness or injury and suffer a loss of earnings as a result. You must pass a Functional Assessment test to qualify for this cover. This is simple, easy to understand set of physical and mental ability tests. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help to protect your income.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Transferring your previous employer’s pension into your own name is a common and straightforward process, offering you greater control over your retirement savings. Here’s a comprehensive guide to help you understand your options and the steps involved. Pension Transfer Options Leave it in the Previous Employer’s Scheme You can choose to leave your pension where it is. However, this may limit your investment choices and control over the fund to grow your pension tax free. Additionally, the fund may be moved into cash, which could result in a decline in value due to inflation and charges, you have no control whatsoever over your pension. Transfer to a Personal Retirement Bond (PRB) A PRB is a pension policy set up in your name that allows you to retain control over your pension benefits from a previous employment. It offers flexibility to a wide range of investment funds and access to benefits from age 50. Transfer to a Personal Retirement Savings Account (PRSA) A PRSA is a flexible pension plan that allows you to transfer funds multiple times. It offers more control over your retirement savings and can be a good option if you anticipate changing employers again as its personally owned, you may not have as wide a choice of funds as the PRB, you can have access to benefits from age 60. 5. Transfer to a New Employer’s Pension Scheme If your new employer offers a pension plan, you may be able to transfer your funds into their scheme. This can simplify the management of your retirement savings, but it’s essential to compare the fees and investment options with your previous scheme. Your new employer will then have control over your pension. Summary Transferring your previous employer’s pension into your own name provides greater control and flexibility over your retirement savings. By understanding your options, consulting with a Qualified Financial Advisor, and carefully considering the associated costs and benefits, investment options you can make an informed decision that aligns with your retirement goals. The Process for Moving Your Previous Employer Pensions Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available. The transfer process typically takes between 4–12 weeks.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Investing in Managed Funds Managed funds are a practical way for Irish investors to build long-term wealth. With access to expert fund management, global markets, and tax-efficient growth through gross roll-up, they offer a strong foundation for savings, pensions, or general investing. What Is a Managed Fund? A managed fund pools your money with other investors to invest in a broad range of assets like: Equities (Shares) Bonds Property Cash or Alternatives This diversification helps spread risk while aiming for steady growth or income over time. Understanding Risk and Return Irish investment platforms use a risk scale from 1 to 7. Here’s how it works - with sample return ranges: Risk Level Typical Asset Mix Estimated Annual Return* Very Low Mostly cash or deposits 1%–2% Low Short-term bonds some cash 2%–3% Low to Medium bonds + small equity exposure 3%–4% Medium Balanced mix (equity/bond/cash) 4%–6% Medium to High higher equity mix 5%–7% High Primarily equities 6%–9% Very High 100% equities, emerging markets *Returns are historical estimates. Actual returns may vary and are not guaranteed. The Advantage of Gross Roll-Up One of the biggest benefits of investing through an Irish managed fund is gross roll-up. This means: No annual tax on dividends, interest, or gains within the fund. Returns are reinvested tax-free until you cash out or reach every 8th year “deemed disposal” point. Maximises the effect of compounding over time. This allows your money to grow faster compared to taxable investments. How Compounding Works in Your Favour When your investment grows, and that growth is reinvested, it generates even more returns - this is compounding. Example: A €10,000 investment at 6% annual return over 20 years: Without gross roll-up (taxed annually): ~€22,300 With gross roll-up: ~€32,100 That’s nearly 45% more, simply by deferring tax. Why Managed Funds? Range of risk levels to suit all investors. Access to global markets and professional management. Gross roll-up for tax-efficient growth. Long-term compounding effect. Regular contribution options (monthly top-ups). Is It Right for You? Managed funds suit investors who want: Hands-off investing. Flexible risk/return options. Long-term growth. Tax-efficient wealth building. Summary Whether you’re conservative or growth-focused, Ireland’s managed funds offer a powerful mix of professional management, gross roll-up, and compounding to help your money work harder over time. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. What is Life of Another Policy? A Life of Another Policy in Ireland is a type of life insurance policy where the policyholder insures the life of another person - usually where there’s a financial or business interest. This type of policy is commonly used in business and family financial planning. Here are some of the main benefits; 1. Business Protection Key Person Insurance: A company can insure the life of a key employee or director. If that person dies, the policy payout helps cover loss of income, recruitment, or replacement costs. Co-Director/Partner Insurance: Helps business partners buy out the deceased partner’s share from their estate, ensuring business continuity. Loan Protection: If a business has a loan guaranteed by a director, the business can insure that director’s life so the loan is repaid if they die. 2. Family Wealth & Estate Planning Cover for a Spouse or Relative: A person can take out a policy on a spouse or family member, especially if they are financially dependent on them or would be financially impacted by their death. This can also be structured to manage inheritance tax liabilities - especially relevant where assets are being passed to children or between spouses. 3. Tax Advantages (Business Use) In some cases, particularly with key person insurance, premiums may be tax-deductible for the company - provided: The company is the beneficiary. The policy is not for personal gain (e.g., not part of a remuneration package). The purpose is to protect the business (not the insured’s family). Revenue Guidance (Ireland) applies strict rules, so it’s best to consult a tax adviser. 4. Control Over Proceeds The policy owner controls who receives the benefit, which can help with: Funding buy-sell agreements in business. Ensuring liquidity for personal or business financial obligations upon the insured’s death. 5. Peace of Mind Helps reduce uncertainty by ensuring there’s a financial safety net if a key individual dies unexpectedly. Important Considerations: Insurable Interest: The policyholder must have a clear financial interest in the life of the person being insured. Consent: The person being insured must give their written consent. Underwriting: The person insured undergoes medical and financial underwriting. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Introduction Reviewing your insurance, investments, and pensions regularly provides several important benefits, both for protecting what you have and growing your wealth. Here are some of the benefits; 1. Ensure Adequate Protection (Insurance) Life changes (e.g., marriage, children, buying property) may require more or different cover. Prevents being over-insured or under-insured, which can waste money or expose you to financial risk. Allows updating beneficiaries, contact details, or policy terms. Ensures policies are competitive in cost and benefits compared to the current market. 2. Align Investments with Goals Keeps your portfolio aligned with your current financial goals, time horizon, and risk tolerance. Enables rebalancing to maintain proper asset allocation (e.g., reducing risk as you near retirement). Helps spot underperformance or opportunities to switch to better-performing funds or assets. Ensures your investment strategy still reflects your tax position and life stage. 3. Maximise Pension Growth Reviews ensure you’re on track for retirement and identify any shortfalls. Helps consolidate pensions to reduce fees and improve visibility. Allows you to take advantage of tax relief, employer contributions, or government incentives. Adjusts pension drawdown strategies for those approaching or in retirement. 4. Tax Efficiency Optimises use of allowances and wrappers (ISAs, pensions, bonds, trusts, etc.). Reviews can reduce inheritance tax, income tax, or capital gains tax exposure. Ensures withdrawal strategies are tax-smart, especially in retirement or when drawing from multiple sources. 5. Stay Compliant & Up-to-Date Keeps your plans in line with current legislation and tax rules. Incorporates any relevant product changes, fund closures, or regulatory updates. 6. Peace of Mind and Confidence Knowing your finances are reviewed professionally provides clarity and reassurance. Helps you make informed decisions, especially during uncertain markets or major life events. Summary Quigley Financial Brokers provides information on the benefits of reviewing insurance, investments and pensions. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. What is a Section 72 Policy? Section 72 CATCA 2003 provides for an exemption from Capital Acquisitions Tax (CAT) for the proceeds of certain life policies taken out by a disponer specifically to pay inheritance tax on bequests made by him or her. Here are some of the Benefits; 1. Pays Inheritance Tax (CAT) Tax-Free The proceeds of a Section 72 whole-of-life policy are exempt from CAT, if used to pay inheritance tax. This prevents heirs from having to sell assets (e.g. a family home, land, or business) just to pay the tax bill. 2. Protects Family Wealth Ensures that valuable assets stay in the family by covering the tax liability with a separate fund. Commonly used when there are illiquid assets like property or a business that heirs want to keep. 3. Quick Access to Funds Payout is usually released faster than probate assets, allowing for timely payment of tax (due within 4 months of inheritance). Helps avoid interest or penalties for late payment to Revenue. 4. Guaranteed Tax Treatment If the policy meets Revenue rules, it qualifies for full CAT relief. No tax is deducted from the proceeds if used for inheritance tax. 5. Simple and Predictable Unlike complex trusts or investments, Section 72 is a straightforward life policy with a clear payout at death. Premiums can be fixed and predictable. 6. Joint-Life Options Often arranged on a joint life, second death basis - ideal for married couples passing assets to children. Tax is usually only due on second death, when children inherit. 7. Estate Planning Tool Forms part of a comprehensive inheritance plan, alongside wills, trusts, and gifting. Allows you to leave more to your family and less to the taxman. Summary: A Section 72 policy is a Revenue-approved, tax-efficient life insurance plan designed to help families pay inheritance tax without sacrificing assets - ensuring smoother and less stressful wealth transfer. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. What is Mortgage Protection? When you take out a mortgage, your lender will request you also take out a mortgage protection policy. It is designed to help pay any outstanding mortgage balance in the event of serious illness or injury. Here are some of the benefits; 1. Helps You Keep Your Home If you are unable to work due to illness or injury, the policy pays a monthly income to help cover your mortgage repayments. Protects your home from the risk of repossession during a period of lost income. 2. Regular Monthly Benefit You receive a tax-free monthly payment (usually up to a set percentage of your income). This allows you to keep up with mortgage and household bills while you’re out of work. 3. Flexible Payment Periods You can choose how long the benefit is paid (e.g. up to 12, 24, or 60 months). The longer the payment period, the more comprehensive the cover — but premiums may be higher. 4. Choice of Deferred Period You can select a waiting period (e.g. 4, 8, or 13 weeks) before payments begin. Shorter deferred periods mean quicker payouts but can cost more. 5. Income Protection Lite It is a more affordable alternative to full income protection policies. Designed specifically to target mortgage costs, keeping premiums manageable. 6. Flexibility to Update Cover You can often increase or adjust the cover if your mortgage changes (e.g. remortgage, move house). Ensures your policy stays aligned with your financial situation. 7. Peace of Mind Reduces financial stress if you are unable to work. Gives you and your family security and stability during illness or recovery. Summary: Mortgage Income Protector helps cover your monthly mortgage if illness or injury stops you from working - helping protect your home and giving you financial breathing space. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.

Reach out today Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information. Reviewing your Pension? Financial decisions can feel overwhelming. With our expert guidance you will feel confident and ready to take control of your future. Here are some of the benefits; 1. Track Down Old Pensions Many people have “paid-up” pensions from previous employers that they forget about. A pension review helps you locate and value all pensions from old jobs. 2. See the Big Picture Brings together all your pensions (current and old) so you can see your total retirement savings. Helps you assess if you are on track for retirement. 3. Review Investment Performance Previous employer pensions are often left unmanaged. A review checks if these pensions are still invested in the right funds — or if they are underperforming or too risky/conservative for your needs. 4. Lower Fees Some old pensions charge high annual fees. You might be able to transfer to a lower-cost provider to improve long-term returns. 5. Consider Consolidation You may be able to combine multiple old pensions into one policy (e.g., a PRB or PRSA) for easier management and possibly better value. 6. Explore Early Access Options Some paid-up pensions from previous employers can be accessed from age 50 (if you have left service). A review shows what access options are available now or soon. 7. Maximise Retirement Outcomes Ensures all your pensions - including old employer schemes - are aligned with your goals, timeline, and risk level. Helps boost your future retirement income. 8. Peace of Mind Knowing that nothing is lost or neglected gives you confidence in your retirement plan. A full pension review ensures every euro is working for your future. Contact us today alternatively book your consultation and see how Quigley Financial Brokers can help you choose the best options available.