The Money Doctor

12/06/2026

👨‍👩‍👧 Financial Planning After Separation

Separation often brings significant financial changes that require careful planning.

Areas requiring attention include:
✔️ Household budgeting
✔️ Maintenance arrangements
✔️ Property ownership
✔️ Pension considerations
✔️ Future inheritance planning

We often see:
❌ Important assets overlooked
❌ Tax consequences not considered
❌ Long-term financial impacts underestimated

📊 Taking advice early can help create greater financial clarity during a difficult transition.

📅 Book a consultation: https://hubs.ly/Q04lcyYr0
📞 01 278 5555

11/06/2026

🏘️ Understanding Stamp Duty Before Buying Property

Stamp Duty is a significant cost that many buyers underestimate.

Key considerations include:
✔️ Current residential rates
✔️ Non-residential property rules
✔️ Additional acquisition costs
✔️ Budget planning before purchase

We often see:
❌ Buyers focusing solely on deposit requirements
❌ Underestimating transaction costs
❌ Budget pressure close to completion

📊 Proper planning helps avoid unexpected financial strain during the buying process.

📅 Book a consultation: https://hubs.ly/Q04l48cQ0
📞 01 278 5555

10/06/2026

🏠 Buying a Home Together: Financial Questions Couples Should Ask

Purchasing a property together is a major financial commitment.

Before signing contracts, consider:
✔️ Ownership structure
✔️ Deposit contributions
✔️ Mortgage responsibilities
✔️ Protection arrangements
✔️ Future succession planning

We regularly see couples focus on the purchase itself while overlooking longer-term financial considerations.

Important discussions today can help avoid disputes and complications later.

📊 Good financial planning begins before the keys are handed over.

📅 Book a consultation: https://hubs.ly/Q04kNgsP0
📞 01 278 5555

09/06/2026

In today’s LifeStyle on RTÉ article, John Lowe of Money Doctors breaks down an uncomfortable truth: debt is the single greatest threat to your financial freedom.

Whether it's a mortgage, a personal loan, or a credit card, the true cost of borrowing isn't just the interest rate on the paperwork. It’s the opportunity cost - the wealth you could be building if that money were working for you instead of servicing a lender.

Consider this eye-opening example from today's piece:

👉 Scenario A: Repaying a €10,000 loan over 7 years at 9.9% costs you €3,850 in pure interest.

👉 Scenario B: Investing that same €165/month over 7 years at a realistic 7% return turns your money into €18,398 in capital.

That is a massive swing in your lifetime net worth.

Lenders have turned borrowing into a highly sophisticated, multi-billion euro marketing business. The key to taking back control starts with reframing how we look at debt entirely.

📰 Read the full breakdown in today’s LifeStyle on RTÉ article (published every Tuesday) here: https://hubs.ly/Q04kNgVn0

Ready to optimise your own income? If you want to map out a clear strategy to eliminate debt, protect your number one asset, and pivot toward smart investing, let’s talk.

🌐 Visit https://hubs.ly/Q04kNpXG0 📞 Call the office directly on 01 278 5555 to book a strategic financial consultation today.

John Lowe of MoneyDoctors.ie gives invaluable advice on how to think positively when it comes to debt.

09/06/2026

💶 Are You Missing Out on Medical Expense Tax Relief?

Every year, thousands of people incur qualifying healthcare expenses but never claim the tax relief available to them.

Under Irish tax rules, relief may be available on:
✔️ GP and consultant fees
✔️ Certain diagnostic procedures
✔️ Prescription costs
✔️ Nursing care expenses
✔️ Various specialist treatments

We regularly meet individuals and families who have accumulated substantial healthcare costs over several years but have never submitted a claim.

Common issues include:
❌ Assuming relief is applied automatically
❌ Losing receipts and records
❌ Missing claim deadlines
❌ Failing to claim for dependent family members
📊 A review of previous years could identify refunds you never realised you were entitled to.

📅 Book a consultation: https://hubs.ly/Q04kyLBZ0
📞 01 278 5555

08/06/2026

📊 Should You Rebalance Your Investment Portfolio?

Markets move, and over time your investment portfolio can drift away from its intended risk profile.

Regular reviews help:
✔️ Maintain diversification
✔️ Manage risk levels
✔️ Align investments with goals
✔️ Avoid unintended concentration

We often see portfolios become heavily weighted towards one asset class simply because performance has changed over time.

📊 Rebalancing is about risk management, not market timing.

📅 Book a consultation: https://hubs.ly/Q04kqMMD0
📞 01 278 5555

08/06/2026

💶 Understanding Means Testing for State Pension (Non-Contributory)

Not everyone qualifies for the Contributory State Pension.

The Non-Contributory Pension is means-tested and can depend on:
✔️ Income levels
✔️ Savings and investments
✔️ Property other than your principal residence
✔️ Household circumstances

We often see confusion around eligibility and how assets are assessed.

📊 Understanding the rules in advance can help avoid disappointment and improve planning.

📅 Book a consultation: https://hubs.ly/Q04kq8gV0
📞 01 278 5555

07/06/2026

💳 Understanding the Central Credit Register

Many people only think about their credit record when applying for a loan.

The Central Credit Register records:
✔️ Loans and credit facilities
✔️ Outstanding balances
✔️ Repayment history
✔️ Missed payments

We often see applicants surprised by information lenders can access.

📊 Understanding your credit profile before applying for finance can improve your chances of approval.

📅 Book a consultation: https://hubs.ly/Q04kp7p70
📞 01 278 5555

07/06/2026

💼 Should You Operate as a Sole Trader or Limited Company?

Choosing the right business structure can have significant tax and legal implications.

Factors to consider include:

✔️ Profit levels
✔️ Tax efficiency
✔️ Liability protection
✔️ Administrative responsibilities
✔️ Long-term business plans

We regularly meet business owners who chose a structure years ago but never reviewed whether it still suits their circumstances.

📊 The right structure today may not be the right structure tomorrow.

📅 Book a consultation: https://hubs.ly/Q04knWB20
📞 01 278 5555

06/06/2026

📞 Financial guidance, made easy - and made for you.

No need for suits or stuffy offices. With Money Doctors’ Zoom consultations, you get honest, expert advice tailored to your goals - from mortgages and pensions to everyday money questions.

Here’s what you can expect:
✅ Clear, practical advice
✅ A time that suits your schedule
✅ A Financial Health Check + action plan within 24 hrs

💰 Transparent pricing:
• 20 mins – €65
• 40 mins – €130 (includes FREE 2026 guide 📘)
• 60 mins – €195

Getting started is simple:
1️⃣ Fill in our online Fact Find
2️⃣ Choose your Zoom slot
3️⃣ Walk away with a personalised plan

📞 Call 01 278 5555 or 💻 Book now: https://hubs.ly/Q04knySM0