Welcome folks, it’s Tracey here. Although most of you probably know me, I will start with a bit about myself. At this point I have over 6 years’ experience in different forms of financial services, namely within Fund services and the alternative investments space. I completed the Professional Diploma in Financial Advice designation (QFA) in July 2021, you could call it a lockdown project. January 2023 marks the start of my second full year in a brokerage. With that top of mind, I decided what better time to record my practical learnings in my first year with an independent financial advisory. Here’s 5 things I’ve learnt that might benefit you.

A Little Today for a Better Tomorrow

Save for your pension. As an early thirty something with (hopefully) decades of work still ahead it can be hard to prioritise saving for retirement. I’ve seen it on so many occasions this year. But when it comes to the other side, it is a huge sense of relief to have a decent pension pot in place. Yes you can argue you don’t know what life will look like in 2060, but nobody will convince me that early thirty somethings in 1990 knew how the world would look in 2022.

‘Hopefully’

Back to that inconspicuous hopefully I included in the first point. Protecting your salary should be one of the first things a graduate invests in. One of Ireland’s largest providers, Zurich have a line ‘we don’t protect against, we protect for’, and it’s true. You are protecting your financial future by investing in this. On the face of it, paying these premiums doesn’t appear as exciting as a crypto vault on an app on your smart phone, but when it comes to being physically out of work for a sustained period I know which one I would prefer to have.

Review, Review, Review

A term used with investing, ‘invest and forget’, meaning don’t unduly concern yourself with the market fluctuations until such time as you need the funds. However, in Quintas Wealth Management the review process is as important as the initial set up. Personal circumstances change, and what is even more common is changes to regulatory guidelines, from time-to-time life companies have offers, better terms, more suitable products. Ensure you review your plan, products and premiums at least annually.

Time in the Markets

It was a hectic year in markets, validating the phrase – ‘time in the markets rather than timing the markets’. My recommendation is invest long term, invest at a volatility (risk) level you are comfortable with and at an affordable level for your circumstances. The best time to invest is always when you can afford it. There is a perception that investing is for people with hundreds of thousands in deposit accounts, regular investments can start from €100 a month.

A New Normal

By and large the days of one job/employer/career for life are a generation or two behind us. More typical nowadays is a mix-um gather-um of employment and employer types (employed, public, private sector, self employed, contract work, multi nationals, Irish SMEs etc.). All the more reason to consolidate your benefits. Do a stock take on what you know you have and think you may have. The very first part of the first step in Quintas Wealth Management’s financial advice process is finding out this information for you.

All in all, an enjoyable first 16 months with Anne and the team. An awful lot learned in my first year about the financial advice business and I’ve no doubt an awful lot still to learn! But as the saying goes “every day is a schoolday”!

Should you wish to review your existing protection, savings and pension policies give us a call today.

17 January 2023

Our other news

  • Quarter 3 Market Overview now published

    24 October 2023

  • How to get financially fit for your retirement

    17 October 2023

  • Quintas Wealth Management to join Xeinadin Group along with Quintas Accountacy

    22 September 2023

  • NEW Quarterly Market Report now published

    13 July 2023

  • The coming of age for PRSA’s

    21 June 2023

  • ARFs and Annuities – what happens after you retire?

    23 May 2023

  • Planning your financial future – what to know about asset transfer

    2 May 2023

  • 5 Top Questions about – Income Protection

    27 March 2023

  • Is now a good time to cash in my investment?

    15 February 2023

  • Why start retirement planning early

    24 November 2022

  • EIIS Fund Launch

    25 October 2022

  • 5 Top Questions About – Pensions

    21 September 2022

  • 5 Top Questions About – Market Volatility

    19 July 2022

  • Why you need to have a financial plan

    31 May 2022

  • Pension Auto-Enrolment and Your Retirement Planning

    7 April 2022

  • Financial Market Commentaries

    2 March 2022

  • Which is better Serious Illness cover or Income Protection?

    1 February 2022

  • How to make the most of your pension with maximum funding

    25 November 2021

  • Women and Pensions: What you should know

    19 October 2021

  • The 1,2,3 of ESG – What you need to know

    22 September 2021

What our clients say about Quintas

  • 1

    "I would like to express my thanks for the work you have done for me over the past years. The expertise and attention to detail with which you have handled my financial affairs could not be faulted. Particularly reassuring to me is the feeling of c..." Read more

    - John Riordan | Director of Support | Shopify

  • 2

    "I have been dealing with Anne O’Doherty in Quintas Wealth Management for over 10 years, i would strongly recommend their services based on professionalism , friendly manner and a strong track record on investment performance."

    - Helen Down | Ballincollig

  • 3

    "Having dealt with Quintas Wealth Management over 6 years for protection, Investments and Pensions I would have no problem in recommending them based on their professional and efficient service."

    - Derek Goggin | Chief Financial Officer | Teamwork

  • 4

    "I have dealt with Anne O’Doherty in Quintas Wealth Management for the last 6 years and I would strongly recommend them based on their professional, efficient and friendly service and most importantly their track record with our investment portfolio." Read more

    - Brian Robinson | CTO | Dataworks Limited

  • 5

    "I and clients of mine have availed of the excellent services of Quintas Wealth Management, led by Anne O’Doherty. I have no hesitation in recommending Quintas Wealth Management."

    - John Boylan | Partner BDM Boylan Solicitors

  • 6

    "I have been dealing with Anne and her team in Quintas Wealth Management for the last 10 years . I would recommend Quintas Wealth Management because of their transparency on a range of investment ideas within my pension fund .i would have no hesita..." Read more

    - Dr Rose Curtin | Elmwood Medical Centre

  • 7

    "I have been a client of Quintas Wealth Management since its establishment in 2005 and over the last 16 years the team have provided me with invaluable advice in a very efficient and professional manner."

    - Dr Sean Mc Carthy | Dentist

  • 8

    "I have been a client of Quintas Wealth Management since 2013 and have always found their process and approach to clients very professional As an accountant I feel this is of utmost importance when referring my clients to Quintas Wealth Management. "

    - Aidan Mc Avinue | Accountant

  • 9

    "Protecting our family was at the forefront of our mind when we engaged with Quintas Wealth Management. What we came away with is a far more robust financial plan based on a complete analysis of our financial situation. We cannot thank the team eno..." Read more

    - Gino & Nicola Lee | Director | Parbo Limited

  • 10

    "I originally engaged Anne and her team to assist with setting up my pension and retirement planning. However, I received far more than that and now have a much broader, well-thought out and organised financial plan that really gives me peace of mind."

    - Monica Holland | Director | Cloghroe Pharmacy

  • 11

    "We have had the pleasure of dealing with Quintas Wealth Management over the past year. Without doubt we feel we have benefitted from the most astute financial advice combined with exceptional customer service."

    - Pat Mullins | Partner | BDM Boylan Solicitors LLP

  • 12

    "Anne O’Doherty has been our financial advisor for the past 6 years . she listens to our requirements and our long-term goals and has provided us with a comprehensive plan of action. Anne has always offered sound financial advice based on our inv..." Read more

    - Peter Murphy | Director & General Manager | Apple Operations Limited

1

John Riordan | Director of Support | Shopify

I would like to express my thanks for the work you have done for me over the past years. The expertise and attention to detail with which you have handled my financial affairs could not be faulted. Particularly reassuring to me is the feeling of certainty in the absolute integrity of your dealings with us.

2

Helen Down | Ballincollig

I have been dealing with Anne O’Doherty in Quintas Wealth Management for over 10 years, i would strongly recommend their services based on professionalism , friendly manner and a strong track record on investment performance.

3

Derek Goggin | Chief Financial Officer | Teamwork

Having dealt with Quintas Wealth Management over 6 years for protection, Investments and Pensions I would have no problem in recommending them based on their professional and efficient service.

4

Brian Robinson | CTO | Dataworks Limited

I have dealt with Anne O’Doherty in Quintas Wealth Management for the last 6 years and I would strongly recommend them based on their professional, efficient and friendly service and most importantly their track record with our investment portfolio.

5

John Boylan | Partner BDM Boylan Solicitors

I and clients of mine have availed of the excellent services of Quintas Wealth Management, led by Anne O’Doherty.

I have no hesitation in recommending Quintas Wealth Management.

6

Dr Rose Curtin | Elmwood Medical Centre

I have been dealing with Anne and her team in Quintas Wealth Management for the last 10 years . I would recommend Quintas Wealth Management because of their transparency on a range of investment ideas within my pension fund .i would have no hesitation in recommending their services.

7

Dr Sean Mc Carthy | Dentist

I have been a client of Quintas Wealth Management since its establishment in 2005 and over the last 16 years the team have provided me with invaluable advice in a very efficient and professional manner.

8

Aidan Mc Avinue | Accountant

I have been a client of Quintas Wealth Management since 2013 and have always found their process and approach to clients very professional
As an accountant I feel this is of utmost importance when referring my clients to Quintas Wealth Management.

9

Gino & Nicola Lee | Director | Parbo Limited

Protecting our family was at the forefront of our mind when we engaged with Quintas Wealth Management. What we came away with is a far more robust financial plan based on a complete analysis of our financial situation. We cannot thank the team enough for making this so easily to understand and complete.

10

Monica Holland | Director | Cloghroe Pharmacy

I originally engaged Anne and her team to assist with setting up my pension and retirement planning. However, I received far more than that and now have a much broader, well-thought out and organised financial plan that really gives me peace of mind.

11

Pat Mullins | Partner | BDM Boylan Solicitors LLP

We have had the pleasure of dealing with Quintas Wealth Management over the past year. Without doubt we feel we have benefitted from the most astute financial advice combined with exceptional customer service.

12

Peter Murphy | Director & General Manager | Apple Operations Limited

Anne O’Doherty has been our financial advisor for the past 6 years . she listens to our requirements and our long-term goals and has provided us with a comprehensive plan of action. Anne has always offered sound financial advice based on our investment objectives as well as our personal needs.

About us

Quintas Wealth Management is a Cork-based Financial Services Provider.

Our objective is to enhance your financial health through our independent advice, expertise, and experience. We are dedicated to providing quality and excellence in everything we do. Our aim is to give our customers the best value and solutions for all their wealth management needs.

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