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Fees & Services

Schedule of Fees and Remuneration Arrangements
A client can choose, if they so wish, to pay for the service in full by way of a fee. Such fees are set as follows for 2016.

Broker Fees

There is no upfront fee/charge in having your current policies reviewed. However if a client wishes to progress this to a more in depth financial review, there are a number of fee/charging options available.

  • Full Financial Planning Review, including a full fact-find analysis of Protection, Savings and Investments and Retirement Planning is €500 (maximum 3 hour time frame).
  • A focused fact-find, whereby the client wishes to review only one area of their finances, e.g. protection, is charged at €200 (maximum 2 hour timeframe, after which an additional €200 per hour is charged).
  • Additional work and research conducted on behalf of the client that exceeds 3 hours will be charged at a rate of €200 per hour.

Broker Commission

Agreement may also be reached to have these fees offset against any commission remuneration payable to the intermediary for business transacted.

This can be agreed prior to the consultation. However a client may opt not to choose this option in which case New Beginning Financial Services Ltd are remunerated only by means of commission on any business transacted with the various companies with which we hold an agency agreement.

The amount of the remuneration will be made clear to the client at the point of transaction and will also be included in the relevant policy schedules and statement of suitability issued to the clients.

Our Financial Planning Services

  • Employee Financial Wellness

    Employee Financial Wellness began as part of the New Beginning story.   New Beginning started life in 2010 as a
  • Investments

    New Beginning Financial Services Ltd are positioned to offer clients an array of investments options to suit all appetites for
  • Pensions

    New Beginning Financial Services Limited specialise in retirement planning for clients who are considering bankruptcy or insolvency. We also specialise
  • Protection

    New Beginning Financial Services Ltd specialise in life insurance/protection structures for clients who are considering entering a debt process or
View our Terms of Business

Worried about debt?

We can help you to plan and become debt free.

What should I consider when I have accepted a restructured mortgage?

Many clients have dealt with the banks directly in recent years to restructure their mortgage debt and have been offered split mortgages, term extensions and part capital and interest deals from their lenders. While this keeps the roof over client’s heads it often leads to 2 main financial planning issues.

  1. Life Insurance Shortfalls
  2. Future Residual Debt

While the clear and obvious benefit to accepting one of these deals is that there is now no immediate threat to your home, it is important to complete the process prudently. By this I mean plan for the future and address the likely shortfall in your life insurance and consider how you are going to pay off the balance of your mortgage. The mortgage has not been written down, just restructured. You still have to pay it, just in a different way now.

Read More

What customers say about us

Featured Articles
When I came to New Beginning I was at my wits end. I had been trying to deal with the banks myself and was getting nowhere. I met with someone at New Beginning who took me through the whole situation and gave possible outcomes I didn’t know existed! They took over my case and had it sorted within a few months. I now have a mortgage I can afford and am on the road to recovery!
The care and professionalism I experienced at New Beginning was unparalleled. They really took the time and energy to understand my situation to find the best solution. Their genuine passion and commitment to helping people in tough times was comforting and allowed me to focus a bit more attention to my family.
I attended a seminar held by New Beginning in Dublin and it really helped me understand more about how to deal with my situation.  They taught me about different strategies I could use to negotiate against the funds and banks and also about the different insolvency rules.  I learned so much that day and the best part was the seminar was all completely free!
I was struggling to deal with the banks and with my other unsecure debt and I didn’t really know what was going on. I decided I needed someone on the outside to have a look at my situation, that’s when I found New Beginning. I received professional advice tailored to my situation. We discussed all the possible options available and they recommended the best solution for me, which was bankruptcy. It’s such a relief knowing this time next year I will be out of bankruptcy and debt free.

Contact us to see how New Beginning can assist you further

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