The Money Doctor

13/05/2026

📈 AVCs: Are You Maximising Your Pension Contributions?

Additional Voluntary Contributions (AVCs) can significantly improve your retirement position while also offering valuable tax relief.

Under Irish pension rules:
✔️ Tax relief depends on age and earnings
✔️ AVCs can boost retirement income
✔️ Contributions may reduce your annual tax bill

We often see:
❌ People contributing below allowable limits
❌ Missed opportunities close to retirement
❌ Pension shortfalls identified too late

📊 A structured pension review can identify opportunities to strengthen your retirement strategy.

📅 Book a consultation: https://hubs.ly/Q04gpDyc0
📞 01 278 5555

12/05/2026

👨‍👩‍👧‍👦 Health Insurance and Your Dependents: What You Need to Know

Ensuring your dependents are covered on your health policy is essential for peace of mind. From children to elderly parents, coverage can vary significantly between plans.

At Money Doctors, we help you:
✅ Understand who can be included on your policy
✅ Compare options for cost-effective coverage
✅ Avoid unexpected gaps in protection

Don’t leave your loved ones unprotected. Let us guide you in choosing the right plan for your family’s needs.

📞 Call us at 01 278 5555
🌐 Book a consultation online:

12/05/2026

💶 Claiming Tax Relief on Nursing Home Fees

Long-term care costs can place major financial pressure on families, but many people are unaware that Irish tax rules provide significant relief on qualifying nursing home expenses.

You may be entitled to:
✔️ Tax relief at your marginal rate
✔️ Relief for care paid on behalf of a dependent relative
✔️ Additional support alongside the Fair Deal Scheme

We regularly see:
❌ Families not claiming relief at all
❌ Incorrect submissions to Revenue
❌ Thousands lost through lack of awareness

With proper planning, the real cost of care can be reduced substantially.

📊 Understanding available reliefs is an important part of financial planning.

📅 Book a consultation: https://hubs.ly/Q04gb0qK0
📞 01 278 5555

10/05/2026

📊 Understanding Risk Before You Invest

Every investment carries risk - but not all risk is equal.

Key considerations:
✔️ Risk tolerance
✔️ Time horizon
✔️ Diversification
✔️ Market volatility

We often see:
❌ Investments that don’t match risk profile
❌ Short-term reactions to market changes
❌ Lack of diversification

📊 Understanding risk is essential for long-term success.

📅 Book a consultation: https://hubs.ly/Q04g1qwL0
📞 01 278 5555

10/05/2026

💶 Illness Benefit: What You’re Entitled To

If you are unable to work due to illness, you may qualify for Illness Benefit.

Key factors:
✔️ PRSI contribution requirements
✔️ Duration of payments
✔️ Interaction with employer sick pay

We often see:
❌ Confusion around eligibility
❌ Delays in claims
❌ Financial gaps during illness

📊 Understanding your entitlements helps you plan ahead.

📅 Book a consultation: https://hubs.ly/Q04g1kFl0
📞 01 278 5555

09/05/2026

💳 Understanding Your Credit Report Before Applying for a Loan

Your credit report can directly impact loan approval in Ireland.

Lenders review:
✔️ Central Credit Register records
✔️ Repayment history
✔️ Existing debt levels

We often see:
❌ People unaware of issues on their record
❌ Applications declined unexpectedly
❌ Poor timing of applications

📊 Reviewing your credit position in advance improves your chances.

📅 Book a consultation: https://hubs.ly/Q04g0Nm_0
📞 01 278 5555

09/05/2026

💼 Managing Irregular Income as a Self-Employed Professional

Self-employed income can vary - making financial planning more complex.

Key considerations:
✔️ Budgeting for fluctuating income
✔️ Setting aside funds for tax (Income Tax, USC, PRSI)
✔️ Managing cashflow throughout the year
✔️ Paying preliminary tax

We often see:
❌ Underestimating tax liabilities
❌ Cashflow pressure at year-end
❌ Lack of financial structure

📊 A proactive approach helps avoid financial stress.

📅 Book a consultation: https://hubs.ly/Q04g0Qm80
📞 01 278 5555

08/05/2026

👨‍👩‍👧 Managing Finances During Parental Leave

Parental leave can significantly impact household income.

In Ireland, supports may include:
✔️ Maternity/Paternity Benefit
✔️ Parent’s Benefit
✔️ Adjusted tax credits

However:
❌ Income gaps are often underestimated
❌ Budgeting is not always adjusted
❌ Long-term planning is overlooked

📊 Planning ahead helps maintain financial stability during this period.

📅 Book a consultation: https://hubs.ly/Q04fVVGm0
📞 01 278 5555

08/05/2026

🏘️ Buying Property Through a Company: Is It Right for You?

Purchasing property through a company can offer advantages - but also comes with complexity.

Under Irish rules:
✔️ Corporation tax may apply to rental profits
✔️ Extraction of funds can trigger additional tax
✔️ Different rules apply for CGT and stamp duty

We often see:
❌ Structures set up without full understanding
❌ Unexpected tax consequences
❌ Poor long-term planning

📊 The right structure depends on your overall financial goals.

📅 Book a consultation: https://hubs.ly/Q04fVXRW0
📞 01 278 5555

07/05/2026

💸 Make 2026 the year you get financially confident.

Whether you're planning to rein in your spending, reduce your tax bill, buy your first home 🏡, or simply take the stress out of money management - the Money Doctors 2026 Guide by John Lowe has you covered.

What’s inside?
📊 Proven budgeting methods
💼 Tax-saving opportunities you might be missing
🏠 Clear advice for first-time buyers
💳 Support for tackling debt
📈 Easy, beginner-friendly investment guidance

From students starting out to retirees planning wisely, this guide is a practical roadmap to financial wellbeing - whatever your stage of life.

📘 Grab a copy today - https://hubs.ly/Q04fMxkT0

📞 Need tailored advice? Call us on 01 278 5555

07/05/2026

Facing Redundancy? Don't Panic - Embrace the "Yellow Brick Road." 🚩

In the current global economic climate, redundancy is an unfortunate reality for many. While it’s a high-stress moment, it can also be the start of a rewarding new chapter - if you have the right facts and figures in your corner.

In my latest article for LifeStyle on RTÉ I break down exactly what you need to know to ensure you start this new journey on the right footing.

Inside this week’s guide:

The Statutory Basics: Understanding your entitlement of two weeks’ pay per year of service (plus one bonus week).

Tax-Free Wins: How to maximize exemptions like the Basic Exemption, the Increased Exemption, and the SCSB formula.

The €50,000 Threshold: Why your redundancy lump sum amount matters when applying for Jobseeker’s Benefit.

Your Toolkit: The essential documents (RP50s and P45s) you need to secure your future.

Read the full article here: https://hubs.ly/Q04fMs710

Redundancy is complex, but you don’t have to navigate it alone. Whether you’re looking to protect your settlement or plan your next move, let’s make sure your finances are working for you.

Ready to secure your financial future?

Let’s chat. Book a meeting with me today:

🌐 Visit: https://hubs.ly/Q04fMy2H0
📞 Call: 01 278 5555

Read the full article here:

Embrace the opportunity, but know all the facts and figures on entitlements so you start on the right footing.