Investments Administrator

Investments Administrator

Job description:

Do you want to work as part of Cork & Dublin’s leading Financial Advisory Firm? Due to expansion in our Cork office we are looking for an enthusiastic person to join the Alpha Wealth team which will play a key role in being responsible for managing Alpha Wealth’s investment business.

Your New Role:

  • You will be responsible for managing Alpha Wealth’s pipeline of investment business
  • Assisting financial advisors in the preparation of client recommendation documents
  • You will interact daily with some of Ireland’s largest investment producers
  • You will communicate with clients over phone and email keeping them updated on the progress of their application
  • You will be responsible for all aspects of compliance such as Anti Money Laundering requirements and Consumer Protection Code requirements
  • You will support Financial Advisors with any ad hoc administration duties
  • Excellent career progression opportunities into other areas of the business such as financial advisory or life & pensions administration

What you will need to succeed:

  • Highly self-motivated & ability to work on own initiative
  • Excellent attention to detail
  • Strong organisational skills
  • Be flexible in your day to day duties

Qualifications & skills required:

  • 3rd level degree

Benefits of working with Alpha Wealth:

  • Salary up to €32,000.00 p.a. (dependent on experience)
  • Free parking on site
  • Working hours to suit work-life balance (Monday to Friday 8.30am-4.30pm)
  • Company Pension (on completion of probationary period)

 

Please email rocallaghan@alphawealth.ie to apply for the role.

Thanks & regards,

Alpha Wealth

Cork Social Media Award 2017

Alpha Wealth was delighted to scoop the Social Media Award at the Cork Business Awards 2017 which took place on Saturday 5th November at The Convention Centre of the Clayton Hotel Silver Springs. In its eleventh year, the Business Cork awards nominated organisations across a number of sectors doing business in Cork city and county.  The awards set about to recognize a business which excels in harnessing the latest business thinking to keep them at the cutting whilst sustaining a positive and future-focused business environment

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Beat the Tax Man

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Senior Financial Advisor

Role Description

Alpha Wealth is a Dynamic, Progressive Financial Services company. Our purpose is to provide individuals, and companies, with a level of service and advice which
they would not have been used to before. We give advice/provide solutions in 3 core areas: Protection & Insurance (including Health Insurance), Retirement Planning and managing your savings. But we also do a lot more. We are seeking to recruit experienced, ambitious and self-motivated financial advisors to join our successful and growing organisation. The successful candidate
will be provided with the opportunity to develop their knowledge and skills. We offer competitive salary with bonus, expenses, mobile and laptop.

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Tracker Mortgage Scandal Q&A

Unless you have been hiding behind a rock for the past couple weeks, you would have noticed the coverage of the tracker mortgage scandal in the media. This is where banks have been accused of wrong doing to the public in relation to tracker mortgages taking out. I will run through a few questions that should help shed light on the area. The banks calculated that, even though they might lose money on these products, they could then “hook-in” the people who owned trackers and up-sell them more loans for cars, home improvements, and holidays, all of which would carry higher rates. The higher rates for other loans would off-set the losses on trackers and the banks got sneaky and reacted in the way they always do which is to screw the customer for the banker’s own mistakes and miscalculations.

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Why are we more likely to divorce than change banks?

I spend my days showing people the money that can be saved by simple changes (without reducing benefits).  These savings amount to thousands of euros over the course of the plans but yet a lot of people make do with the status quo.  I think ironically the recession has a lot to do with this.  Whilst we were all affected by it a lot of us have forgotten how to deal with things we can control in our everyday lives.

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Budget 2018

The Minister made a number of changes to the Universal Social Charge as well as an increase in the standard rate income tax bands effective from January 2018. The Minister also increased all weekly social welfare payments, including an increase in the State Pension of €5 per week with effect from the last week in March 2018.

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The Perfect Storm- The Current state of the Savings Market in Ireland

Currently in Ireland we have almost “The Perfect Storm” for Savers.  Firstly, we have a situation of very low interest rates affecting the returns we get from our savings.  Secondly, we have one of the highest Tax rates on deposits, which is currently 39% of the interest you earn. If you add to this the rising costs of buying a property or putting your child/children through school, then you get “The Perfect Storm” or treble whammy.

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5 Years On…

Alpha Wealth has reached the 5th year anniversary milestone. And what a journey it has been,  through both good times and bad.  Having worked in Financial Advisory for 15 years in the Banks primarily since 2000, Nick felt that Irish consumers were not being given straightforward advice and that the Banks and Insurance companies were biased and overcharging for their services.  Hence Alpha Wealth was born. It’s a business that was born in the teeth of the recession, but we’ve also seen the great growth years of recent times too.

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The Mortgage Journey

 As steps in life go, buying a home is certainly one of the big ones. But if you know what’s involved in the mortgage process, you can see it instead as a number of small, easily-managed steps. What’s more, you don’t have to take them on your own. You’re thinking about applying for a mortgage, here’s a quick run-down of the factors that affect mortgage approval and what mortgage amount you can borrow.

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Single? Don’t Think You Need Life Insurance

Often when we think of life insurance, we think of the traditional family with kids, a house, and a dog. And while there’s a good reason families are synonymous with life insurance, there are so many other stages in our lives where we’ll need that security and reassurance too.

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How Vaping Can Save You Over €10,000?

29% of smokers in Ireland currently use e-cigarettes as an aid to quitting smoking. If you’ve been a vaper for over 12 months then you’re classed as a non-smoker according to certain life insurance companies. This means you will pay the same price as a non-smoker.

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Overview of CSR at Alpha Wealth

“Goodness is the only investment which never fails, and that’s why Corporate Social Responsibility is so important for businesses today” – Eoin Pollard

Alpha Wealth is a dynamic financial advisory company. The company’s core mission is to make finance simple for individuals, families and companies. Conveying finance in a transparent manner is of the utmost importance The Company provides unbiased financial advice to the people of Ireland. Identifying that each individual has their own unique set of circumstances with the common goal of employees to assist in finding the best solutions. Advising clients through different financial life cycles whilst enabling them to live comfortably now and into the future. Continue reading “Overview of CSR at Alpha Wealth”

The Real Cost of ‘Free Education’ in Ireland?

“Education is the most powerful weapon which you can use to change the world” – Nelson Mandela.  This investment in knowledge pays the best interest, however, are our pockets being stretched too far? Have you felt the financial pinch of back to school costs? We’ve some tips to help you find it easier financially next year whether you’re the parent of a primary school pupil, secondary school student or have a child going to third level next year. As the school term starts back, parents across Ireland will be busy preparing packed lunches, laying out uniforms and helping primary school children pack their schoolbags and saying their last goodbyes to their babies who are leaving the nest for Uni. And guess what,  chances are you are underestimating the cost of sending them to school and college.

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Depos**ts are Making You no Money

€92,000,000,000 – wow that’s a big number. That’s the estimated amount of money Irish savers have on Deposit. To put that into perspective, the same amount of minutes equates to over 175,000 years!

And guess what…Deposit rates are at historically low levels, banks are offering deposit rates close to .35% so the key is trying to beat inflation to at least preserve your money. Envisage if it did better and you actually made some money? Inflation has averaged about 2% a year in Ireland.

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Need To Make Money Fast? 7 Tricks To Try

We all wrestle through periods of time when things get tight and we need to make money fast. It’s an exhausting endeavour to expend extra effort just to see the resulting extra cash fly out the door. But making money doesn’t always mean earning more money, it could be saving cash from other areas in your life. Don’t let financial anxiety paralyze you. Get creative and get those bills paid.

The list below is a Mix and Match Tips on How to Make Money Fast:

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Be Part of the Wearable Revolution

Want a Free Garmin Watch plus money back on your life insurance policy?

Alpha Wealth is now bringing this exciting Wearable Technology initiative to you in conjunction with Zurich Life.  When signing up to one of Zurich’s Term Protection or Serious Illness Policies  you are rewarded with a Free Garmin Vivosmart wearable watch along with cash-back to the value of 6 month’s worth of premiums.  This is a pilot programme for 500 customers so they are whilst stocks last! 

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Should you switch mortgages ?

Taking out  mortgages can be a stressful and nerve-wracking time. From trying to get your head around a whole new set of terminology; to finding a broker and the right lender; to deciding on what kind of mortgage rate is most suitable for your financial situation… the list goes on. It’s no wonder that we’re reluctant to revisit our mortgage repayment situation once everything has been settled and put into place.

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Don’t let your finances get in the way of your enjoyment

Hello  Savers,

Today’s blog will hopefully show you that your money doesn’t have to dictate you happiness. It can be hard to have financial goals or a lifestyle change to achieve those goals, when the people who you spend time with don’t share those same ambitions.

The struggle is real, I get it.  Continue reading “Don’t let your finances get in the way of your enjoyment”

AIB Shares – have investors lost it?

Fact-find

Shares in the third largest European bank IPO since the financial crisis were over four times oversubscribed when they were sold last week. AIB’s listing on the main securities market has provided the Irish Stock Exchange (ISE) with the largest IPO in Europe in 2017.

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What Your Relationship with Money Says About You

If you want to truly know yourself, pay close attention to the way you treat money.

John Armstrong renowned British writer once said: “One’s relationship with money is life long, it colours one’s sense of identity, it shapes one’s attitude towards other people, it connects and splits generations; money is the arena in which greed and generosity are played out, in which wisdom is exercised and fully committed. Freedom, desire, power, status, work, and possession: these huge ideas that rule life are enacted, almost always in and around money.”

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Buying insurance online – Is it an expensive mistake?

“1.2.3”, “Chill”, “hello” where to turn?”

I often watch the adverts on TV and wonder why when my son sings the Jingle “12,3.ie just log on and save money”. And the little boy telling us we can save up to €400 per year on our mortgage protection insurance, my wife, who likes to shop online, is not running to the laptop.

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If I’ve told you once I’ve told you a thousand times – DIVERSIFY

What comes to mind when you think of diversifying?

Everyone knows the old cliché about not putting all your eggs in one basket. A diversified portfolio might consist of different asset classes such as bonds, property and commodities, but what about equities? Exactly how many stocks are enough? Can you be too diversified, or should you aim to hold as many stocks as possible? Even novice investors can grasp the simple logic underpinning the case for diversification.  An individual stock may easily fall by 50 per cent or more in a short space of time, but a portfolio consisting of dozens of stocks is much less likely to do so.

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So the big question everyone is asking is “should we buy AIB Shares”

 

Surely now is the time to make a killing…….?

People as a rule and Irish people in particular tend to have short memories and their memories of losses and mistakes are often diluted.  Look at the current property market.  People’s feelings are often more optimistic than they should be.  The Government “sales” have a poor history.  For those of you in your mid to late 30 and above you would remember the Eircom fiasco.
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Savvy savings really can make your euros go further

Savings made simple

It’s never too soon to start getting smarter with your money. From small changes around your home, to making the big switch to new service providers – we’ve got the tips to help you save. – See more at: Our website.  Why not book a free consultation with one of our experienced financial advisors?  On average we save our clients €350 per year.

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7 Top tips for Financial Planning for Student Life

Having just graduated from University as a twenty three year old I understand the importance of managing finances for the duration of your stay in college. Starting college, and indeed continuing your college career, is an exciting time in your life – leaving home, meeting new people, experiencing new things and furthering your education.

Your student experience can be as exciting and adventurous as you want it to be.

It means more freedom and more responsibility in terms of your studies, and also in terms of managing your money.

College life can be expensive if you allow it to be, but with good sensible budgeting practices, you can help keep your expenses to a minimum. Here are some tips to help you save money!

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Put your money where your mouth is…

Where would you invest €10,000 today?

Well everyone seemingly has an opinion on this question and will give you a quick answer to it! Well that’s anyone with the exception of a Financial Broker, Alpha Wealth will not give you a quick answer to such an important question. This is because what you decide to invest in is not about going with fads or trying to pick a winner as you might in a horse race.  Finding the best investment opportunities needs to be based on a very systematic approach and on your own particular circumstances. And that’s where Alpha Wealth will help you.

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The Added Value of a Financial Advisor

Be different

As financial advisors we are often asked whether it is worth the cost to hire a financial advisor. I know, very ironic. After all, there is a cost to make you money.  People say they can listen to the news to find out where and how to invest, so, “Wouldn’t I be better off just keeping that fee for myself?” That is an excellent question with an answer that depends on many factors. First and foremost is that Alpha Wealth is unique in its practices to a huge proportion of brokers across Ireland. We look at all aspects of financial management and we offer free financial reviews. Yes, you did hear that right. Exiting, right?

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Personal Tax Tips in Ireland

Income protection policy

Tax relief is applicable when you effect an income protection policy (policy taken out in case of an accident, illness etc). The tax relief is available at your marginal rate of tax of 20%/40%.

Health insurance

We recommend if you  are a contractor/ permanent employee & pay your health insurance yourself, you can benefit from tax relief at a rate of 20%  on the cost of the premium – reducing your net cost.

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8 ways we can help improve your lifestyle

Why us?

We thought it might be useful to step back a little bit and review the value that we bring to our clients, in order to make sure we’re meeting your needs as much as we possibly can. We identified ways in which we enrich the lives of our clients and ended up with quite a long list! We then came up with the idea of narrowing down this list and sharing with you 8 ways in which we can help you to improve your lifestyle.

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Why are we afraid to switch healthcare providers?

Creatures of Habit

We all make subconscious decisions constantly throughout our life about purchasing different products and services. Did you know that Mary my neighbour told me that her family have been a loyal customer of their health care provider for years? I asked her why? And she replied by telling me that her parents were also with them so why would I change?  I then told her what if I was to say to you that the price of petrol has gone up 20 cent per litre in the petrol station she uses. You can be sure she will drive 2km down the road to the next service station to get the price she always pays.

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Top 5 tips for new parents managing their finances

Trying to adjust to life after the arrival of a new born it is hard to focus on anything other than what is needed today or this minute or right now for any family! Whereas prior to the new born you may have been able to plan your day or even just your morning, your time is now focused your babies patterns and how unpredictable they are.

However, I believe that this life event is in fact the very time a family should be addressing some key financial planning issues. There is a new mouth to feed, nurture, protect and provide for.

Here are the 5 actions you need to put in place today………

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What the beautiful game teaches us about financial management

Practice, Practice, Practice

The biggest thing in soccer is that players practice every day. Starting with the fundamentals –stretching, drills, and small skills. Then players build on more sophisticated things. In finance, some fundamentals to consider include having a savings account, pension and budget that helps you achieve your goals. Setting yourself up with these essentials doesn’t necessarily put you on the path towards millions, but neglecting them can often result in setbacks.

So, how can you practice financial management? Actually by ringing 021- 2061782 which will bring you to Alpha Wealth. I’ll stop there I won’t make this an advertisement. But perhaps, by setting one Sunday each month to pay all your bills. Or set up a direct debit so you’re never late. Create a budget each week for a month, keeping track of how well you stick to it and crafting an improved budget for the following month. The iconic quote from Warren Buffett states “Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” is a core concept of financial management.

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Planning for financial happiness for under 35s in Ireland

Are you in this category? 35 years of age or younger having a good permanent employment with the whole world at your mercy? Then a word of caution if you fit this description – think first, plan carefully and implement slowly before embarking on decisions that will affect you for the rest of your life.

Meet “Jen” and “Mark” seen above taking a ‘selfie’ who are thinking of getting married and moving in with one another. They are looking at buying an apartment as they are far cheaper than houses. After all it is their first step on the property ladder. Forecasting into the future, the plan for the couple is to have children meaning that they might have out grown their apartment. In a lot of cases the question is, will they be able to offload this apartment? Where can they get the equity for the new purchase?  And how they might not be able to afford the two mortgages? Even buying an apartment today for similar individuals does not guarantee the value – it may still depreciate.

So what should you consider before embarking on these decisions? Here is a guide to planning your finances in the right direction:

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