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🔑 Unlock Financial Freedom 💰 | Experts in Wealth Management, Personal & Business Financial Planning

20/10/2026

On paper this person has €780 left over every month. In reality it’s about €400, and it has no job to do, so it drifts.

What we’d change:

Keep six months of spending in cash as an emergency fund. Here that’s about €25,000, and with only one income to fall back on, it matters even more. Roughly €20,000 of the €45k in savings has no purpose.

Give that €20,000 and the monthly €400 a job. For a higher rate taxpayer, an extra €300 a month into a pension costs about €180 a month after tax relief.

Protect the income. It’s the only one, and right now there’s no income protection.

Invest what’s left for the long term, or build towards a deposit if buying is the goal.

19/10/2026

On paper this couple has €1,920 left over every month. In reality it’s about €1,200, and it has no job to do, so it drifts.

What we’d change:

Keep six months of spending in cash as an emergency fund. Here that’s about €43,000, which means roughly €27,000 of the €70k in savings has no purpose.
Give that €27,000 and the monthly €1,200 a job. For a higher rate taxpayer, an extra €500 a month into a pension costs about €300 a month after tax relief.
Protect the income. Two children depend on both salaries, and right now there’s no income protection.
Invest what’s left for the long term.

Every euro needs a job

18/10/2026

Irish households are wealthier than ever. But does that mean they're financially better off? 💭

Much of Ireland's household wealth is tied up in property, land, farms and businesses.

And while those assets might be worth a significant amount, they don't always provide the regular income needed to support your lifestyle.

You can be asset-rich and still be cash-poor.

That's why **building wealth is only half the equation. Making that wealth work for you is what really matters.**

At True Wealth, we help you build a financial plan that connects the wealth you've accumulated with the future you want to live.

💬 **Is your wealth actually working for you?**

17/10/2026

You pay the staff. You pay the suppliers. You pay Revenue.

But somewhere along the way, you stop paying yourself.

I’m a business owner myself, so I know how easily every euro and every spare hour goes straight back into the business. You tell yourself it’ll all be worth it in the end.

Let’s make sure it actually is.

That means asking the questions that matter:

1️⃣ What does the business need to keep running and growing?
2️⃣ What can you afford to put into your pension?
3️⃣ Are your kids properly set up for the future?
4️⃣ If you sell one day, are you preparing for it now?

At True Wealth, we bring those decisions together into one plan: what stays in the business, how you take money out tax efficiently, and what you need to retire or reduce your hours.

You’ve spent years looking after the business. Give your own future the same attention.

👉 Comment BUSINESS or send us a message to get started.

16/10/2026

Over €500,000 in a pension, sitting entirely in cash, and never once reviewed. 😬

Shane asked Phill about a pension case that really stood out. When the clients saw how much it was losing just by sitting there, they were horrified.

So we sat down with them and built a plan around their real life. They had a long time horizon and were comfortable with volatility, so their money went into international equities, with gold as a hedge.

The scary part? Phill hears from people in the same situation three or four times a week.

Got an old workplace pension you haven’t looked at in years? Not sure how it’s invested? It’s worth a look.

🔗 Book a pension review at truewealth.ie

15/10/2026

What’s the money decision you keep putting off?

You probably knew the answer before you finished reading that.

Maybe it’s the pension you haven’t looked at in years. The income protection or life cover you keep meaning to sort for the family. Or you’re a business owner working every hour, but very little of what you’re building is going towards your own future.

And every time, it’s “I must start that.”

I get it. You’re busy. You think it’ll mean paperwork, awkward questions, or finding out you’re further behind than you hoped.

But putting it off doesn’t make it go away. It just means another year passes without anything new going into your pension.

You don’t have to fix your whole financial life this week. Just pick the one thing you know needs your attention most, and take the first step.

👉 Comment PLAN, send us a message, or head to truewealth.ie to get started.

14/10/2026

Earn more, get more pension tax relief? Not quite.

I was on a call recently with someone who was convinced that because they were earning more, they’d automatically get more tax relief on their pension. They’d worked out the exact figure in their head.

They weren’t happy when I explained it doesn’t work like that.

Revenue caps the earnings that count for pension tax relief at €115,000 a year. Once you go past that, the extra income doesn’t raise how much you can pay in with relief.

On top of that, your age sets the limit: from 15% of earnings under 30, up to 40% at 60 or over.

So someone who’s 45 and earning €150,000 can get relief on up to €28,750 a year, not the €37,500 they might expect.

It catches a lot of people out the first time they hear it.

👉 Comment CAP and I’ll send you our guide showing exactly where your number lands.

Warning: The value of your investment may go down as well as up.

13/10/2026

Want to retire with a €1 million pension in Ireland? 🇮🇪

The age you start could make a massive difference to how much you need to contribute.

But there's something else worth knowing. 👇

💰 **1. Pension tax relief**

Depending on your income and circumstances, you could qualify for up to 40% income tax relief on eligible personal pension contributions.

For example, putting €850 a month into your pension could cost you just €510 from your take-home pay if you qualify for full 40% relief.

🏢 **2. Employer contributions**

Your employer may also contribute to your pension, potentially reducing the amount you need to fund personally.

⏳ **3. Time is your biggest advantage**

The earlier you start, the longer your pension investments have the opportunity to grow.

But here's the important part.

**Building a €1 million pension isn't necessarily the goal. Building a pension that supports the retirement you actually want is.**

That's where financial planning comes in.

At True Wealth, we help you understand where you are financially, what retirement could look like, and how to put a plan in place to get there.



*Figures are illustrative, based on 5% annual growth after fees, fixed monthly contributions, no starting balance and retirement at 66. Inflation is excluded. Investment returns are not guaranteed. Pension tax relief is subject to eligibility, age-related and earnings limits. General information only.*

A €1,000 difference in house price shouldn’t cost a first-time buyer €35,000. Under Budget 2027, it can.Budget 2027 rais...
13/10/2026

A €1,000 difference in house price shouldn’t cost a first-time buyer €35,000. Under Budget 2027, it can.

Budget 2027 raised Help-to-Buy from €30,000 to €35,000. That’s welcome news for first-time buyers of new homes.

But the €500,000 purchase price ceiling wasn’t touched.

So a new home at €500,000 can qualify for up to €35,000 in support. A home at €501,000 gets nothing.

Speaking to the Sunday Business Post, our CEO Shane Tobin said the ceiling “creates an unnecessary cliff edge.”

“A €1,000 difference in the house price can mean losing up to €35,000 in support.”

Shane is calling for a system where support tapers off gradually, rather than disappearing overnight at a single price point.

Plenty of new homes are priced close to that €500,000 line. For buyers in that range, the gap between qualifying and not qualifying could be one round of negotiation.

👉 Swipe through for the full breakdown.

If you’re buying a new home near the €500,000 mark, talk to us before you agree on a price: truewealth.ie

12/10/2026

Saving money is a great start. But are you making the most of it? 💭

Whether your goal is €5,000 or €100,000, knowing how much you need to put aside each week is the first step.

But building long-term wealth takes more than just saving.

A financial plan helps you make smarter decisions with your money, from building savings to investing for the future and planning for retirement.

💡 A financial target is good. A financial plan that puts your money to work is better.

Ready to make more of your money? Get started with True Wealth.

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