Gilmore Insurance & Financial Services is dedicated to providing you with expert, professional and impartial advice. I achieve this by adhering to a 3 step process.

Step 1 – Initial Advice

• Analysis of current financial situation
• Review of existing arrangements and policies
• Investment Portfolio performance analysis
• Tax planning assessment
• Financial goals and objectives
• Attitude to risk profiling
• Personalised Plan

Step 2 – Implementation Service

• Proposal completion and confirmation
• Application administration and submission
• Application updates
• Professional liaison
• Professional referral

Step 3 – On-going Service

• Annual review
• Portfolio management and monitoring
• Quarterly client newsletter (providing brief updates on relevant financial developments)
• Seminar programme
• Tax & budget updates

Outcomes

Through the use of this 3 step process, Gilmore Insurance & Financial Services help you to;

• Obtain a clear picture of your current financial situation
• Clarify their vision and secure your financial future
• Develop a roadmap of how to achieve your vision

Gilmore Insurance & Financial Services act as navigator to keep you on course along the way.

What Makes Gilmore Insurance & Financial Services Different?

Born and educated in Dublin, I am a Qualified Financial Advisor, a Fellow of the Life Insurance Association and a Chartered Tax Advisor. I have over 17 years’ experience in providing expert professional advice to private individuals and corporate organisations.

I can offer a service that is in short supply in the Irish marketplace: expert, professional and impartial advice from a tax consultant who combines extensive knowledge of both the Life, Pensions and Investment and the Deposit markets in Ireland with tax expertise.

I provide to my clients;

• A life-long professional independent and expert advisory service
• Disciplined and systematic financial planning and insurance service
• Pro-active, constant and timely quality of service
• Specialist pension, insurance and tax advice
• Comprehensive client reports

Gilmore Insurance and Financial Services’ logo is a simple depiction of three interconnected circles: each of the circles represents a world. The first circle represents you or ‘Your World’ where things change as life progresses, marriage, children, job change etc. The second circle represents my firm, or ‘My World’ where there are advancements in my business as new products, fresh services and better regulation develop. The third circle is ‘The World’ in general, where change inevitably occurs along with shifts in the global economic climate, tax legislation, etc.

The purpose of the logo is to acknowledge that the world is in perpetual change and the need for on-going professional financial advice is paramount and constant.

My Investment Philosophy

Many years' experience as an adviser have led me to develop a number of fundamental principles which I apply in advising on investment. To build a robust financial strategy, I believe in a systematic approach to investment, incorporating:

• Investing only for the medium to long term: I do not recommend that clients’ invest funds required for short term objectives in anything other than cash or cash-like holdings.
• Prioritising asset allocation appropriate to tolerance for investment risk since I understand that asset allocation is responsible for the vast majority of out-performance in any fund or portfolio.
• Diversification – by spreading investment across a number of asset classes (eg. cash or cash-like, bonds, property, equities) as well as across a number of geographic regions, volatility of the portfolio is reduced and, in general, returns enhanced.
• Rebalancing investments to take profits from asset classes that are doing better to boost asset classes that are not doing so well. This provides a smoothing of returns and reduces volatility of the portfolio as a whole: it also provides control over the overall exposure to risk of a portfolio.
• Reducing the cost of investment as far as possible since cost reduces the return available to the client.

I do not believe in:

• Effective market timing – the ability to effectively time markets i.e. I do not believe that it is possible to accurately predict the best time to invest or disinvest.
• Payment of high fund management charges when past performance does not justify them.

These basic tenets have led me to be most comfortable recommending investment funds covering a number of different asset classes and to take a long term view of investment. Portfolios are regularly re-balanced.

I employ a system of Core & Satellite investing. While most investments are managed within Asset Allocated portfolios, some clients like to hold a proportion of their monies in a "satellite" account. This allows the adoption of a more "personalised" approach by choosing specialised investments of particular interest to the client.