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5 Simple Tips To Save Money

5 Simple Tips To Save Money

As the cost of living continues to rise, more and more people are struggling financially this year and are looking for ways to save money. However, even those who earn an above-average income can find themselves short on cash if they aren’t careful about their...

Reduce Your Tax Bill With Pension Contributions Before October 31st

Reduce Your Tax Bill With Pension Contributions Before October 31st

Did you know? If you’re looking to reduce your tax bills, a Pension Contribution could make a big difference! You may be able to claim Relief on your 2021 Income Tax by making a once-off payment into your pension. The closing date for claiming Tax Relief is the 31st...

Minor Football B Championship Final

Minor Football B Championship Final

Sunday Oct 2nd at 1:30pm in Newbridge Murray & Spelman is proud to sponsor the Clane GAA Club Minor Boys Football Team! We're wishing the lads the very best of luck in the Minor B Championship Final this Sunday Tickets for the match are now available HERE....

A Guide To Savings & Investments

A Guide To Savings & Investments

The old saying; ‘a penny saved is a penny earned’ has never been more relevant than it is today. We’re constantly being encouraged to save money, whether it’s to help us through unexpected expenses or to help our children pay for college or to fund our retirement. But...

Education Saving Plans With Murray & Spelman Financial Services

Education Saving Plans With Murray & Spelman Financial Services

Whether you're a parent, or an aspiring student yourself, we all should know why education planning is important. An education savings plan will give you greater ownership of your future or the future of a loved one. The money you invest into an education fund will...

Retiring Soon? We’re Here To Help You Explore Your Financial Options

Retiring Soon? We’re Here To Help You Explore Your Financial Options

Retiring soon? The first thing you should consider is the lifestyle you would like to have in retirement and the Income in retirement you will need to enjoy that lifestyle. Important dates to note, when you should seek advice are when you are 10 and 5 years away from...

Why Inheritance Tax Planning Matters

Why Inheritance Tax Planning Matters

Should I be thinking about Inheritance Tax? So many things in life are comforting exciting to ponder about; like where would we like to go on holiday next year? This is because life is for living. However, it doesn't mean we should forget about planning for the ones...

We Will Help With Group Pensions For Your Business

We Will Help With Group Pensions For Your Business

One of the main challenges for businesses is to attract and retain good staff. In order to source and hold onto the kinds of employees you want, it's a good idea to ensure they feel valued and trusted. Having a comprehensive employee benefit package, such as a group...

We Offer Financial Advice For Businesses

We Offer Financial Advice For Businesses

At Murray & Spelman Financial Services, we are committed to providing financial peace of mind by offering jargon-free, unbiased advice of the highest standard, specifically tailored to you and your business. Our financial planning team offer great advice to...

We Appeared With Pat Costello Live On KFM!

We Appeared With Pat Costello Live On KFM!

This week, the famous Kfm 'K-Cruiser' stopped by at our Murray & Spelman Financial Services office in Sallins, Co Kildare. Our Director Andriú Mac Lochlainn had a great chat with Kfm's Pat Costello live on air! Andriú covered his two areas of passion and...

New To Savings & Investments? We’re Here To Help.

New To Savings & Investments? We’re Here To Help.

Whether you're planning for your new home, a perfect wedding, university fees or simply for your peace of mind against unforeseen events, a sensible savings plan can make all the difference. Murray & Spelman Financial Services can help you now from our offices in...

Plan Your Financial Goals With Murray & Spelman Financial Services

Plan Your Financial Goals With Murray & Spelman Financial Services

Do you want to achieve your short or long-term financial goals?  We understand that finding time to work out and then manage a comprehensive financial plan can be challenging. Our qualified and experienced financial planning team work with you to establish your goals...

What Is A Personal Pension?

What Is A Personal Pension?

A personal pension plan is a personally owned pension, held in your name and is suitable for anyone saving for their retirement. It is mainly suited to those who are self-employed, or whose employer does not offer a pension scheme. One of the most common questions...

Try Our Pension Calculator!

Try Our Pension Calculator!

The sooner you start a pension, the bigger it will grow! There has never been a 'better right time' than now to start your pension. We are now all living longer than previous generations in Ireland and most of us can look forward to 20 or 30 years of retirement. A...

Income Protection Explained – Murray & Spelman Financial Services

Income Protection Explained – Murray & Spelman Financial Services

What Is Income Protection? Over the past year, we've all had to rethink a lot of our plans and financial decisions. Murray & Spelman Financial Services has, in the past, discussed how pensions work and how it's important to plan for the future. With this in mind,...

Ulster Bank Message To Intermediaries And Customers

Ulster Bank Message To Intermediaries And Customers

How will Ulster Bank’s announcement affect us?   Ulster Bank’s recent announcement to unwind its operations has raised a lot of uncertainty for people. They have advised it will be an orderly unwinding over a number of years and issued the press releases below for...

Financial Well-being While In Lockdown

Financial Well-being While In Lockdown

Lockdowns are a very difficult time for everyone! First and foremost, your health is your wealth. Everyone needs to focus on looking after oneself, family, and their friend’s well-being. A big part of our overall well-being is financial well-being. Different people...

Start Your Pension Now With Murray & Spelman Financial Services

Start Your Pension Now With Murray & Spelman Financial Services

Pensions...where to start? There has never been a 'better right time' than now to start your pension. We are now all living longer than previous generations in Ireland and most of us can look forward to 20 or 30 years of retirement. A pension will help provide you...

Another Happy Client Secured Their Mortgage With Murray & Spelman

Another Happy Client Secured Their Mortgage With Murray & Spelman

We're delighted to have helped another client secure their mortgage. Our client Hillary, from County Carlow, has sent us a heartwarming letter after we were able to help her secure her mortgage. Michelle Maloney is an experienced financial advisor at Murray &...

Income Tax 2019 – Deadline for filing Clarification

Income Tax 2019 – Deadline for filing Clarification

Payment of Tax and Payment of Pension contributions for 2019   As a result of the Covid-19 pandemic, you may be aware that the Revenue Commissioners have extended the deadline for filing 2019 personal tax returns through the Revenue Online Service (ROS) to 10...

Pensions Explained without the Jargon! Pt.2

Pensions Explained without the Jargon! Pt.2

Murray & Spelman Financial Services explains everything you need to know about pensions! Last week, I covered the first 5 areas: Pension Time Bomb - explained Who does this concern? - everyone Why use a Pension as the solution? What to do next? What type of...

Pensions Explained without the Jargon!

Pensions Explained without the Jargon!

What you need to know about pensions! The State pension retirement age has been in the news a lot lately. Will the qualifying age be extended upwards or be reduced back down? Only time will tell, we mere mortals have no control over this. However, we have control over...