Qifa Financial Planners
5 Chapel Lane, Mallow, Cork, Ireland
(10)
Qifa Financial Planners5 Chapel Lane, Mallow, Cork, Ireland
(10)
Qifa Financial Planners focus on “You” – your lifestyle, your ambitions, your health and your retirement. We help people to recognise and achieve their goals through an integrated financial planning approach. We can help you build, grow and protect your wealth.
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Verified business
10 customer reviews
Ursula
Sean and the team were very efficient to deal with. Sean's intention is to over deliver to his clients... while also educating them so that they can be financially successful with, or without his ongoing support. With that approach, I don't know how anyone would be disappointed with the service he provides. The team is responsive to questions and Sean will make every effort to ensure you understand every aspect of your finances and your path to financial success. More...
Robert Doyle
Financial Advisors
Fantastic value for money. Sean has a genuine interest and it is clear to see. Made the entire process really enjoyable and I’ll definitely use again. Would highly recommend using this service. More...
Amy
Financial Advisors
Quick to follow up on my request
Aoife
Financial Advisors
Sean was absolutely brilliant. He spent a huge amount of time with us going through all we needed to know about money.
He has given us the building blocks to help us with our next step. Thanks Sean!
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Derek
Financial Advisors
good discussion , timely contact ,use a user friendly tool
Tony O'Connor
During 2019/20 I engaged the services of Qifa Financial Planners to review and consolidate policies I had purchased over the years. Dealing with Sean and his team was a very positive experience and their knowledge and expertise in dealing with insurance providers was extremely useful and beneficial, in that, they help you navigate the process and provide a solution driven service. More...
Liz O'Mahony
I found Sean Lynch of QIFA to be very professional and a great source of information when making decisions around Financial Planning, Pensions, Life and Income Protection insurance cover.
Sean's colleagues at QIFA are also very helpful and someone will always return a call to you. QIFA can help with Commercial, Corporate and Individual Financial Services advice. I have used QIFA for both Commercial and Personal advice. I would have no hesitation in recommending QIFA services to all, due to their professional and friendly manner.
Regards,
Liz
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Reply from Qifa Financial Planners
Thank you for a great review. It is always a pleasure working with you. Sean Lynch.
Brighid Mullane
My husband and I have been clients of Qifa Financial Planners for the last 3 years and in that time have found the team to be extremely professional, knowledgeable, helpful and generous with their time. Any queries we have had have been answered in a timely and efficient manner. Qifa have set us on the right path to achieve financial freedom in our retirement which has given us great peace of mind. We have and will continue to recommend their services to friends and colleagues. More...
Niamh Quirke
I rated Qifa 5 star as the excellent service that we received enabled myself and my husband to make an informed decision on our property whether to sell or rent it. We received great financial advise for the future,education funds, pension funds, investment decisions. More...
Reply from Qifa Financial Planners
Thank you Niamh Delighted to be able to help. Every good wish for the future Sean Lynch, Qifa Financial Planners
Liam de Hal
Investment Advisors
As a man in my fifties, I had accumulated several pensions of various sizes over the years and also had a number of investments in several companies. All the annual statements were, frankly, quite baffling. Sean Lynch, of Qifa Financial, was recommended so I rang to make an appointment. The whole process was simple; Sean took time to assess all of my investments and pension plans then gave sound advice as to what changes were required maximise my future income and also to significantly reduce the ongoing charges I was incurring. Sean explained every detail that I hadn`t fully understood and contacted the various financial institutions on my behalf. The whole process was easier than I had imagined, handled professionally and great value for money too. Many thanks to Sean and his team at Qifa. With Best Wishes, Liam de Hal. More...
Reply from Qifa Financial Planners
Thank you Liam for a great review. It was a pleasure working with you. I am thrilled that you found it of benefit and our process of cashflow forecasting has provided you with clarity and security for the future.
What do you love most about your job?
I love helping people solve a financial problem. This may be some advice on setting a budget that suits their pocket or creating a cashflow forecast that will give them clarity and confidence for the future.
I believe in helping our clients to plan and prepare for the future.
Through an integrated financial planning approach we can help you build, grow and protect your wealth.
I believe we can change people’s lives, offer peace of mind and a sense of control over their finances.
We are changing the world, one Financial Plan at a time.
What inspired you to start your own business?
For over 20 years,I worked as a tied agent . I always wanted to be able to give financial advice which was not clouded by trying to get a sale at the end of the meeting to pay for my time.
As a Certified Financial Planner I can charge a fee for financial advice, thus ensuring independence of thought.
I also have a full suite of products from over 10 providers available to me.
Why should our clients choose you?
1 I am a Certified Financial Planner.
2 I am a specialist in providing Financial advice.
3 I charge a fee for my service, ensuring independence of thought.
4 Over 34 years working as a financial advisor.
5 We are an award winning brokerage.
6 We are not tied agents and deal with over 10 different companies.
7 We have invested heavily in software packages to improve the customer experience.
8 All our staff are Qualified Financial Advisors or are studying for this qualification.
9 Sean is a professional Landlord with 3 grown children .He has graduated from the University of Life . The knowledge he imparts is based on experience and expertise.
Financial Planning
What is financial planning and how specifically can it help you? Financial planning is not about products. It takes a holistic approach or helicopter view of your goals and objectives. It uses an integrated approach to your lifestyle goals and financial goals.
The role of the Qifa financial planner is to:
-Analyse your current situation
-Provide meaningful strategies to help you achieve your stated goals
-Create a series of “what ifs “in order to stress test the plan.
-Create a clear financial path for you to follow.
-Help you live your life to the maximum.
After all, life is not a rehearsal and sound financial planning will give you the freedom to choose how you want to live your life.
Family and Business Protection
Our greatest asset is our ability to earn income which is why parents spend so much on education. What if that ability to earn income was taken away from us through serious illness/accident or even death? We at Qifa Financial Planners create plans that will give you protection in the event of all of the above. We choose from the best of breed when it comes to:
-Life Cover
-Serious Illness
-Income Protection
-Keyman Assurance
-Co-Directors Assurance
-Partnership Assurance
We will offer you a comprehensive package of protection plans to suit your pocket.
Business Owners and Sole Traders
We are all busy building our business. This can take more time than we sometime care to admit to. Therefore, it is important to stand back and develop a clear path for your future. This can include:
-Exit strategies
-Succession planning
-Getting the maximum from our company
-Maximising all available reliefs
After all life is not a rehearsal and it is important that you get the most out of your time with the business.
Company Pension Schemes
Under current legislation it is obligatory to offer all employees an access to a PRSA with the facility to have a deduction from salary at source. Indeed, the Government are making serious noises about following the UK example and making it compulsory for all new employees to be signed up to a pension scheme. This is called “Auto-enrolment”. Every new employee is automatically enrolled into the company pension scheme.
The following employee incentives can help anchor your employee in their employment:
-Company Pension Scheme
-Group Life Cover or Death in Service Benefit
-Group Income Protection
-Personal Retirement Savings Accounts (PRSA)
However, a far better way is to go beyond the basic offered and set up a company pension scheme where you contribute to your employees’ pension as well. This is seen by the employee as a positive incentive. This has been proven to act like an anchor for employees who are far slower to move when their employer values them enough to contribute to their pensions.
Maybe you are in a scheme already or would like to us to have a look at it for you.
Pre & Post Retirement Planning
You have spent years accumulating your retirement fund. What is the best way to draw it down. Your retirement fund may consist of a collection of the following:
-Personal Pensions
-Company Pensions
-AVC
-Deferred pensions
-Paid up pensions
-Retirement Bonds
There is no right or wrong solution to retiring your fund. Only your solution. Everyone is different with a different set of needs, assets and objectives. We provide a bespoke solution to all of our clients to ensure that you receive the best solution for your specific situation, be it maximum tax free lump sum or highest possible life time pension. We utilise tax strategies to ensure that you receive the most from your pension pot. The Qifa Life Path is an ideal vehicle to plan for your retirement.
