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Personal Finance

Joe Moore - Financial Services > Personal Finance(Archive)


Everyone dreams of having a comfortable retirement, free from financial stress, and unburdened from all money worries to fully enjoy life. But this only ever achieved if you take some positive steps now to plan for this day in the future.

A pension is the most effective way of helping this dream come true. They are designed to help you accumulate a fund, that you can use to generate an income when you retire.

There is tax relief on them at the marginal rate of tax. For example, If you are paying income tax at the higher rate of 40%, and you invest €1000 in a pension, it will reduce your take home pay by only €600!

Your funds accumulate tax free! Unlike other types of investments, any investment gain that your pension fund makes is tax free!

When you come to retire, you can take a portion of your pension fund as a tax-free lump sum, which can be a great way to start off your retirement!

If you are self-employed or a company director, pensions are even more valuable as they offer a great way to take money out of your business in a tax efficient manner. For more info on this, click here If there was anything that your future self would thank you for, it is starting a pension today!


At J Moore Financial, we say that it’s about taking the right risks at the right time for the right reason. Sometimes that means taking some risk off the table.

Everyone’s situation is unique, and so too is the range of risk you will face in life. By getting to know you, we can identify the key risks facing you in your current stage in life.

We serve as a guiding hand, matching you with the right insurance contracts to negate these risks. This is where our expertise comes to the fore: We have agency agreements with the top providers in the Irish Life Insurance market so that we can recommend the most suitable insurance contracts to you, our clients.

This is always a collaborative effort with you, we will guide you and keep you informed at every step but ultimately the choice is yours.

Specified Illness and Income Protection

One of your largest assets is your earning potential. But what happens if through illness or injury, you are unable to work for a prolonged period? The right protection can ensure that a health crisis does not also become a financial one.

An income protection contract can pay you an income (after a deferred period and medical evidence) if you become unable to work either through illness or injury.

A specified Illness contract can pay you a lump sum if you are diagnosed with any of the illnesses specified in your contract.

Life Insurance

It is not something that we like to think about, but our time on earth is not forever. In the unfortunate event of your death, a life insurance contract ensure that your dependents are looked after in your absence. This will give both you and your loved one’s peace of mind in knowing that they will be taken care of regardless of what the future brings.

Life insurance contracts can also be used to help in your estate planning, and to reduce your inheritance tax liability. This can be of particular benefit if you have a substantial estate that you wish to pass on.
Are you self-employed or a company director? There are specific insurance contracts designed to protect your business, such as key person insurance, Partnership and Co Director insurance. If you would like to know more, click here

Savings and Investment


What financial commitments do you have coming down the road? Maybe you want to fund your children’s college education, save for your dream of running your own business, plan the holiday of a lifetime, or maybe you just want to save for a rainy day. At J Moore Financial, we advise on savings products that can be tailored to your risk appetite, and are flexible enough that you can start, pause, and stop saving at any time so that you are always in the driving seat.

By getting to know you, we can decide together whether these savings products are suitable for you.
We will help you decide what level of savings you can afford, the level of risk that is appropriate to your needs and attitudes, and the best investment funds that match up for you.


Have you had a windfall and want to explore investment options? Or maybe you have accumulated some funds from saving and want to invest a lump sum.

By getting to know you, we can identify suitable investment opportunities that match your risk appetite and investment time horizon.

Joe has a wealth of mathematical and financial skills, amassed from his actuarial studies, his scientific background and extensive experience working in the Irish and International Financial Service sectors.

Joe uses cutting edge software and statistical techniques to identify and select suitable investment funds in every risk class. which, when coupled with his desire to help people make sound financial decisions, ensures that everyone who walks through the doors at J. Moore Financial has an advocate who works hard to ensure that their money is working harder.

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