SYS: Making Financial planning easy with Paul Heverin

09/08/2026

If you can please share or like

Rugby training on the Mall starting next week for those born 2013-2018.

Registration form at QR code and at the below link.

https://eu.forms.app/paulheverin/holiday-camp-registration-form-1

07/08/2024

In the coming weeks, you will start to see articles about the costs of education for your children or grandchildren, whether for school or third level. One thing is certain: these costs increase every year.

I remember years ago having a review with a very young family who were eager to start an education savings plan for their children. The father of the family shared his story with me.

When he was going to university, his parents could only afford to send two out of three children to third level. He recalled that when he had his first child, his father said to him, "I had 18 years' notice that you would go to university, and I left it until the last minute to organise your education and that of your siblings. Please do not repeat history and make the same mistake that I did; start saving straight away." And this is why they contacted me.

This story has always resonated with me as a financial planner. It highlights the importance of looking ahead and planning for key milestones in your life. These might include buying a house, starting a family, reducing work hours, children going to university, getting married, saving for a deposit on a house, deciding when and where to retire, and passing on an inheritance to the next generation. I always ask my clients "what is your financial plan?"

Paul Heverin

16/02/2024

If you or someone you know is receiving Approved Retirement Fund (ARF) payments, this post is important for you to read. 📕

🏛 The Department of Social Protection recently implemented changes to PRSI for individuals aged between 66 and 70. Starting from 1st January 2024, individuals can opt to commence receiving their State Pension (Contributory) (SPC) anytime between the ages of 66 and 70. Delaying the initiation of SPC payments offers individuals the opportunity to continue paying PRSI, potentially enhancing their contribution record when they eventually commence receiving their SPC.

This means that individuals aged between 66 and 70, born after 1st January 1958, will remain liable for PRSI until they are granted the SPC or reach the age of 70.

If you're between the ages of 66 and 70 and born after 1st January 1958, you should be aware that from January 2024, you must provide evidence of receiving the State Pension (Contributory) to avoid insurance companies deducting PRSI contributions from your ARF payments.

Don't hesitate to contact me 📧 [email protected] ☎ 083 012 78 22 if you require guidance. He can explain the implications for you in straightforward terms.

SYS Group Paul Heverin

01/02/2024

Today, on February 1st, Minister Heather Humphreys has reaffirmed the commitment to the State's new auto-enrolment pension scheme, slated for implementation in 2024, with initial enrolments anticipated by year-end. Her message carries assurance to employers regarding concerns over costs, emphasizing that delay is not an option. Additionally, pre-qualified companies, shortlisted for the administrative service contract, will commence tender invitations from tomorrow onwards. The imminent provider selection marks significant progress, leading up to the scheme's launch later this year.

Last month, the scheme was slated to commence. For further insights, I invite you to read a short article I authored last year, accessible via the link below. Whether you're an employer or an employee, it's imperative to familiarise yourself with this information, particularly if you're not currently a member of a pension scheme.

https://sysgroup.ie/pension-auto-enrolment-what-to-expect/

Paul Heverin SYS Group

Financial Consultant Paul Heverin penned this article to demystify the pension auto-enrolment system set to be put into place by 2024

24/01/2024

As a financial advisor, I've noticed that many clients are surprised by financial insights that seem like common sense once explained. This often leads to the same question, "Why don't they teach this in school?" To help with this issue, I plan on releasing small nuggets of financial advice that can help improve your financial situation. Please find my first bit of advise in my below video called have you thought about your children's 3rd level Education. Stay tuned for some more tips that can help you achieve financial empowerment! 🚀✨

SYS Group BNI Mayo - Castlebar Paul Heverin

18/01/2024

🏡 **Webinar Alert: Get Mortgage Ready in 2024! 🚀**

Join our head of Mortgages Sean Corbett for an insightful webinar on navigating the mortgage landscape tailored our clients and their family and friends. Whether you're a first-time homebuyer or looking to refinance, this event is designed to empower you with the knowledge you need.

📅 Date & Time: Wednesday, January 24th, 7:30 pm GMT

🌐 Registration Link:
https://sysgroup.ie/webinar-get-mortgage-ready-2024/

🔍 Agenda:
- Understanding the current mortgage market
- Tips for first-time homebuyers
- Expert insights on refinancing strategies

Don't miss out on this opportunity to gain valuable insights and be well-prepared for your mortgage journey. Click the registration link above to secure your spot!

Feel free to tag and share with friends and family who might benefit from this information. Let's make 2024 the year you achieve your homeownership goals! 🏠💼
Paul Heverin

https://sysgroup.ie/webinar-get-mortgage-ready-2024/

Are you planning on buying a home? Want to learn about mortgages. Join our webinar on January 24th, 7:30pm to get mortgage ready in 2024.

09/01/2024

💥Kicking off 2024 💥 🎉 on a high note with a fantastic start – I'm honoured to receive an award from my weekly BNI business network in Castlebar Co. Mayo! 🏆 Grateful for the recognition and excited for the positive momentum this brings to the new year😀. Here's to achieving more milestones together 🙏
SYS Group BNI Mayo - Castlebar Paul Heverin

05/01/2024

🌟 **Embrace Professional Help for Financial Organising in 2024!** 🌟

As I delved into researching my personal goals for 2024, I couldn't help but notice a common thread among many on social media sites—the desire to organise finances independently. It reminded me of attempting to fix an electrical issue at home (an electrician might be a better option) or daringly pulling out a tooth solo (ring your dentist ASAP). Sometimes, seeking professional assistance can make all the difference!

Why not take a cue from everyday scenarios? We readily consult professionals for various tasks, like a Mechanic, Doctor, Plumber. Similarly, entrusting your financial plan to a seasoned expert can streamline the process and bring clarity to your goals.

I'm here to offer a guiding hand in your financial journey. Let's work together to craft a tailored plan that sets you up for success in 2024 and beyond. Reach out, and let's make your financial aspirations a reality! 💼💡
Few questions to ask yourself to show if you need help.
* Are my savings building up in my bank account
* I'm unable to save
* I want to get a mortgage this year
* How will I pay for my children Education
* If I were to pass away, what happens to my assets
* If I were to get ill, how do I pay my bills, like Rent, Mortgage, Childcare, Loans, Health Insurance, etc.
* I'm not sure how I access my pension at retirement
SYS Group BNI Mayo - Castlebar Paul Heverin

21/12/2023

🎄 Wishing you a wonderful Christmas filled with warmth, joy, and endless moments of laughter! 🎅🌟 To all my incredible clients, colleagues, family and friends, thank you for being part of my journey this year. May this Christmas bring you peace, love, and cherished moments with your loved ones. Merry Christmas and happiest New years to you all! 🎁🎉
SYS Group BNI Mayo - Castlebar Paul Heverin

🎄🎁Thanks to Canva for helping me with the photo🎅🎄

01/11/2023

+35319079669
I got a phone call from this number. They had my information and they said they were ringing from the RTB. I felt it was a scam, told them I could not talk and could they ring another time.
I Googled the number. It says it a number used on other scams.

PLEASE BE CAREFUL