Personal Professional Independent Financial Advisors with over 40 years experience

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1 Personal Professional Independent Financial Advisors with over 40 years experience

2 meet the Sales Team Annemarie Mc Geehan QFA Managing Director Annemarie is a Qualified Financial Advisor with in excess of 21 years experience in Financial Services which commenced with Bank of Ireland in During her 16 years, Annemarie worked within the Investment and Advisory divisions of Bank of Ireland. In her last 6 years with BOI, Annemarie specialised in addressing the Financial Planning needs of a portfolio of Private Banking clients. Annemarie provides a very personal, sincere and genuine service to her client s Financial needs and it has been based on these principals that her own business has continued to grow and flourish. Annemarie believes strongly in contributing to the future of her community with a particular emphasis on giving local children access to facilities and instruction in athletics and education. As such, Annemarie voluntarily holds positions Trustee on the Board of Management for St Columba s College Secretary on Board of Directors for Finn Valley Swimming Pool Children s Coach at Finn Valley Athletics Club

3 meet the Sales Team Caroline Harper BA(Hons), QFA, FLIA Caroline graduated with an Honours Degree in Financial Services in 1998 and thereafter as a Qualified Financial Advisor and a Fellowship member of the LIA. Upon graduating she worked in Scottish Widows in Edinburgh as an Account Manager for over 4 years before returning home to Ireland in 2003 to work as an Independent Financial Advisor for a Donegal based brokerage. She joined the team at Rite Financial Solutions in 2009 and has brought a wealth of experience and knowledge to provide solutions to client s financial needs. These include providing bespoke investment and pension portfolios in line with client s required risk specifications. Orla Burke QFA Orla is a Qualified Financial Advisor with over 14 years industry experience. Her career commenced with Bank of Ireland whereby she quickly developed a keen interest in specialising in the Financial Services Sector. Following 9 years with Bank of Ireland Investment and Insurance divisions, Orla then went on to work for a Donegal based brokerage before joining the team at Rite Financial Solutions in January Orla continues to source the most cost effective solutions to client s protection needs together with building investment and pension portfolios with her client s required level of risk.

4 Services Rite Financial Solutions Annemarie Mc Geehan Ltd T/a Rite Financial Solutions was established in 2007 from Annemarie s former company Finance for U which commenced trading in At Rite Financial Solutions we offer Independent and impartial advice on an extensive range of Pensions Investments Savings Life Assurance/Protection products Mortgages Home & Buildings Insurance Home and Health Insurance We have agencies with Ireland s leading providers of these products thereby ensuring that our clients are given tailored solutions to their individual Financial Services needs. The company has grown from initially 3 members of staff in 2006 to 7 in 2011 which includes 5 full time Qualified Financial Advisors together with 2 support staff and a Mortgage Advisor. Savings & Investments Over recent years we have seen deposit rates decline and whilst we take some degree of comfort knowing monies invested in Bank and Building Society Accounts offer capital security, our expectations for modest returns on these funds continues to prove disappointing. Our team at Rite Financial Solutions have access to Ireland s leading providers of Savings and Investment and as such we can tailor your portfolio to match your expectations for both risk and return. More recently we have found an increasing number of clients seeking to earn potentially better rates of return that those offered on deposit but with the added benefit of capital security. As such our team of experienced qualified advisers are well placed to source bespoke saving and investment solutions for our clients.

5 Services PROTECTION Our Individual protection needs vary as we progress through the life cycle. Protection is the starting point in any sound financial plan, whether you are protecting yourself, your family or your assets. We provide advice and services to meet your protection needs ranging from basic protection such as Private Health Insurance and Mortgage Protection to specified illness cover and inheritance tax planning. Increasingly, people are seeing the benefits of reviewing their current protection arrangements on a regular basis. Our aim in relation to protection is to get you from where you are to where you need to be. While cost is a factor for us all, when it comes to protection you have to ask yourself, can you afford not to have it? Our range of protection services include: Home and Health Insurance Mortgage Protection Level & Convertible Term Assurance Specified Illness Cover Mortgage Income Protection Inheritance Tax Planning PRIVATE HEALTH & PROTECTION How would you cope financially if unexpected illness, serious injury or even death were to happen to you? Who would pay the day-to-day bills, the mortgage, education costs and everything else that your income covers? Protection products such as life assurance, income protection and critical illness cover provide you and your loved ones with financial security in case you suffer an injury or illness which stops you working, suffer a serious or life-threatening illness, or die. Not only do these protection products offer you and your dependants complete peace of mind, they also ensure that if the worst happens your dependants financial needs will be taken care of.

6 Services MORTGAGE PROTECTION The biggest and most important financial decision most people ever make is to buy a home. Not only does it usually involve a substantial sum of money, but your mortgage repayments will have a very big role to play in your personal finances for many years to come. There was a time when there was just two or three different types of mortgages on offer to prospective house-buyers. Today, however, you can choose from a wide variety including first-time buyer mortgages, fixedrate mortgages, tracker mortgages, loan-tovalue mortgages and investment mortgages. Choosing the right mortgage for your needs is a very important process. You need to know all the options that are available to you and how each option will affect the amount of the repayments you make and the length of time it takes to pay off the mortgage. Small differences between different mortgage products can actually add up to quite a lot of money over the course of a typical mortgage term of between 20 and 30 years. BUSINESS PROTECTION With group risk insurance a business s employees and their dependents are protected in the unfortunate event of illness, accident or death. If an illness, injury or accident happens, group risk insurance will pay for the expense of recovery and rehabilitation of the employee as well as providing financial support to them and their dependents. This allows the employee to recover fully and return to the workforce at the right time. Where critical illness or death in service occurs, group risk insurance may pay a lump sum to the employee and/or their dependents, helping to soften the financial and emotional trauma of such unfortunate events. Group risk benefits both the employer and the employee by serving to attract, motivate and retain quality staff members as well as providing peace of mind and financial protection for the employee.

7 Services RETIREMENT PLANNING A pension is a long term, tax efficient savings plan which is designed to give you an income when you retire. You, and in some cases your employer, pay money into a pension scheme and that money is then invested on your behalf with the aim of providing you with an independent income and comfortable lifestyle when you retire. Pensions come in a number of different forms, and the right one for you will usually depend on your employment status and your lifestyle expectations after retirement. No matter what pension you choose, the big advantage of using a pension to save for your retirement is the generous tax benefits it offers. Not only do you (and your employer) enjoy tax relief on the your pension contributions, but your pension fund growth is tax free and you get a taxfree lump sum when you retire.

8 24 The Weavers, Ballybofey, Co. Donegal Tel: Website: Annemarie McGeehan Ltd. T/A Rite Financial Solutions is regulated by the Central Bank of Ireland. Registered Address; 24 The Weavers, Ballybofey, Co. Donegal. Registered in Ireland no