NO FLUFF, NO JARGON. JUST STRAIGHT TALKING FINANCIAL ADVICE.
Online Mortgage applicationCLONMEL | KILKENNY | GALWAY
IMS FINANCIAL, WITH OFFICES IN CLONMEL CO.TIPPERARY, SALTHILL GALWAY & KILKENNY PROVIDES A COMPLETE FINANCIAL PLANNING & INVESTMENT SERVICE TO SOLE TRADERS, COMPANY DIRECTORS, INDIVIDUALS & CORPORATE CLIENTS
Our services include, but are not limited to, Mortgage Advice, Life Insurance plans (including life assurance, specified illness cover, income protection, unit-linked savings, investments and pension plans), tracker bonds, structured investments, Pension plans including Personal Retirement Savings Accounts (PRSAs) and Debt Management to mention just a few.
We offer expert impartial advice on a range of products and with access to all major lenders and insurance companies we endeavour to find the best product in the market for our clients, which not only saves time but also provides our clients with the best value for money.
IMS Financial Services is regulated by the Central Bank of Ireland.
IMS Financial provide a confidential, efficient and competitive service. It is provided at a time and place convenient to our clients, either in our offices in Kilkenny, Clonmel Co.Tipperary & Galway or by appointment outside of our office. Contact us Today.
We take an individual approach to each and every client. We understand that no two clients have the same needs.
Our combination of experience and knowing our clients help us to find the perfect solution to your needs.
We are aware that this may be the biggest investment that most people will make and we want to ensure it will be the best investment you can make.
MortgagesFor more information on Mortgage Options please click above
We research a wide range of lenders looking for the most competitive insurance quotes that best suit your circumstances, age and lifestyle. Don't leave your insurance needs to chance, talk to us today.
For many annual annuity pensions, providing an income for life, would be the route to take.Others may wish to discuss other routes such as post retirement investments.
At IMS Financial we search for the best terms and conditions for our clients. We will negotiate on your behalf to secure the best mortgage interest rate and mortgage term to suit your finances.
Some may relish the roller-coaster ride that comes with high risk investment whilst most of us are just looking for a good return on our investment. Whatever your attitude to risk, at IMS Financial we have a plan for you.
A serious illness can take you by surprise and leave you facing a financial shortfall. Specified illness cover is there to providing financial protection to those that are diagnosed and/or may need treatment for an illness deemed serious.
Income protection differs from Specified illness cover in how the cover is deployed and what specifics they pay-out for. Specified illness is usually paid out as a lump sum upon meeting the criteria laid out in the policy, Income Protection is generally paid in installments after your deferred period .
At IMS Financial we are well placed to provide guidance to both Employer & Employee when choosing to start or update their group pension scheme. Our advisers will take the time to meet with the Employer and Employees. Following a consultation our Adviser will be in a position to advise which Pensions scheme would benefit both Employer and Employee
We provide guidance and oversee plans to improve your position in negotiations with your creditor/banks. We, at IMS, advise on the options to be considered now and into the future, to facilitate a possible re-structuring of your bank debt / Adjustment in your personal liability. We provide a dedicated Debt Management website which can be found HERE .
The calculators on this website are built and operated by 3rd Party Financial Institutions unless otherwise stated. They are for illustration purposes only and not a substitute for professional financial advice.
Mortgage Calculator Let's be honest, if you haven't worked with a Financial Broker before, how are you supposed to know what they actually do for you? We are going to set out what you can expect.
A relationship with a Financial Broker is not a once-off transaction. Instead it is a relationship that hopefully will endure for many years. We enjoy quite a number of client relationships that are now measured in decades rather than years! Because life is a journey, and your finances are never the same from one day to the next. So regular contact sits at the heart of the relationship, both through face-to-face meetings and also phone calls.
YOUR FINANCIAL PLAN IS THE ROADMAP
All of our interactions with you are to ensure you remain on course to achieve your financial goals. We use our expertise to develop a financial plan that is centred around helping you to achieve your goals. Yes, this involves hours of preparation, strategic thinking and research. But it is worth it. Without a financial plan, you are going into uncharted waters without a plan or a map to guide you, and are unlikely to reach your desired destination - achievement of your financial goals.
SO WHAT CAN YOU EXPECT IN A FINANCIAL PLANNING PROCESS?
We clarify your goals
Financial Brokers tend to share a common trait - being good listeners and good at asking questions! These are really important skills as our starting point is to get crystal clear about what it is you want to achieve in life and how this can be enabled through wise management of your financial affairs.
We prepare a financial plan
Once we know what it is that you want to achieve, we can then use our expertise and skill to work out how we believe you can reach your goals. This will typically be through better financial habits and behaviours, as well as by identifying the very best suite of financial products that you require to achieve your goals in a risk-controlled way.
We recommend a way forward
We then start to guide you home, by setting out our recommendations on actions we believe you should take and also financial products that you should potentially buy. These recommendations will be made with the sole aim of helping you to achieve your objectives.
We take the hassle away
We then help you complete any paperwork needed, we liaise with any product providers on your behalf and we keep everything moving along smoothly until your financial solutions are in place. There can be bumps in the road in getting these products in place - it's our job to make sure that you don't see or feel these! We look after all the hassle while you get on with living your life.
We keep an eye on everything
As we said at the outset, this is not a once-off transaction. Through the planning work, we develop the map to get you to your financial destination - your financial objectives. A Financial Broker doesn't just give you your map and send you off alone. Instead, we guide you towards your destination over the course of many years. We know that your circumstances will change and that your plan will need to change to reflect this. So we work with you year after year, tweaking your plan until you have finally achieved your financial goals. It is only then that our work is done.
We work with clients every day, helping them to achieve their financial goals. Is it time to start the conversation with us?
ESTABLISHED IN 1999, WE AT IMS FINANCIAL SERVICES PRIDE OURSELVES ON BEING AN EXPERIENCED QUALIFIED AND PROFESSIONAL FIRM OF FINANCIAL ADVISERS.
Padraig established his own business, IMS Financial Services, in November 1999. Padraig holds a Bachelor of Business Studies Degree in Services Marketing and is a Graduate member of the Marketing Institute of Ireland (M.M.I.I), a Qualified Financial Advisor (QFA), a registered Debt Management practitioner, APA Debt Management and holds a Professional Certificate in residential mortgage arrears from UCD and Institute of Bankers. Padraig is a member of the Life Association of Ireland (LIA) and a member of the Professional Insurance Brokers Association (PIBA).
David initially worked as a property professional until he joined IMS in 2000. David is a Qualified Financial Advisor (QFA) and a member of the Life Association of Ireland (LIA) and the Institute of Professional Auctioneers and Valuers (IPAV). He holds a Certificate in Auctioneering and estate agency, holds a Higher Education Diploma (Hons) in Property Management and Valuation and also a Professional Diploma in Financial Advice.
Michael has worked in the financial services industry since 1996. A graduate of WIT he holds a Bachelor of Business Degree (Hons). In addition, he is a Qualified Financial Advisor (QFA) and a Licentiate of the Institute of Bankers (LIB).Prior to his current position Michael held management roles with one of Ireland's leading banks. He was responsible for both secured and unsecured lending in the areas of mortgages & loans. Michael was also involved in the provision of savings, investment & insurance products.
Brian is our Head of Information technology and has a background in the IT & Security sectors. He is a former Director of Clonmel Youth Training Enterprise. Brian keeps our on-line presence up to date, develops new applications, websites, graphics, databases and supporting the implementation of new software and hardware. Brian holds a Bachelor of Science Degree (Hons) in Information Technology and an APA in Loans. He is a self-confessed technology and Science Fiction geek which is most evident in the office.
Danny is our Residential Mortgage Consultant.
