First Job

  1. Car loan
  2. Regular Savings - House deposit etc
  3. Personal Protection - Income protection/health insurance
  4. Mortgage - Mortgage protection

 

Married No Children

  1. 2 jobs
  2. Personal Protection
  3.    - Life Cover
  4.    - Serious Illness Cover
  5.    - Income protection
  6. Pension
  7.  Mortgage - Mortgage Protection

Married Younger Children

  1. 2 jobs
  2. Personal Protection
  3.    - Life Cover - review
  4.    - Serious Illness Cover - review
  5.    - Income protection - review
  6. Pension
  7.                                         School Fees Savings

Married Older Children

  1. 2 jobs
  2. Personal Protection
  3.    - Life Cover - review
  4.    - Serious Illness Cover - review
  5.    - Income protection - review
  6. Pension Top Up (AVC's)
  7.                                         Investments - review
  8.                                         Inheritance Tax Planning
  9.                                         Will Making

Retired

  1. ARF (approved retirement fund)
  2. Death/Funeral Benefit
  3. Inheritance Tax Planning
  4. Will making
  5. Investments - review