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Services

Fees for consultations, advice and services may not be applicable where MOJO Finance receives commission from a product provider which covers our costs. Here, a need must be established and agreed for a suitable product solution.

General
Consultation

€150

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Investments & Savings Initial Consultation

€150

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Pensions & Retirement Initial
Consultation

€150

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Insurance & Protection Initial Consultation

€150

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Business
Owner Initial
Consultation

€150

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Employee
Benefits Initial Consultation

€150

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Financial
Planning
Lite

€500

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Financial
Planning
Elite

€1,250

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Initial Consultation

Our Initial Consultation service requires payment of €150 in advance and is suitable for clients who have not booked any of our other services. 

 

This service is suitable for clients who want a general conversation about their financial situation and wish to determine whether MOJO Finance is a good fit for their purposes.


This will provide MOJO Finance with the opportunity to learn more about the client’s particular circumstances and to explain where we can add value and what are the next steps. 

 

Where we feel that we are not best placed to serve your interests we will guide you to the most suitable course of action. 

 

Initial Consultations are also suitable for clients who want simple advice and a recommended course of action.


Also, the service is appropriate for clients who may have pre-determined that they require an insurance, pension or investment product solution.


They engage MOJO Finance to:

  • Provide basic advice around product suitability
  • Research the market for the product offering the best value and solution
  • Implement the product on the client’s behalf

Investments & Savings Consultation

Step 1 Discovery meeting. In person or Zoom Call or phone for 60 mins

  • Analysis of your current situation to ensure that an investment/savings plan is appropriate to your circumstances.
  • Let’s define your specific investment goals, time horizons and expectations.
  • Point-in-time assessment of your capacity and tolerance for risk. This will allow MOJO Finance to formulate our specific Recommendations.

Step 2 Report containing Options & Recommendations for client review

  • Brief and concise report outlining:
  • Client’s current situation.
  • Purpose of Investment/Savings plan – what is the Goal
  • Time Horizon & Clients capacity and tolerance for Risk.
  • Client’s current situation.
  • Recommendations: Specific investment or savings solutions with ‘Reasons Why’, historical performance, growth expectations, tax implications, charges, exit options.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps 30 mins.

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of Investment/Savings Plan by MOJO Finance on behalf of client. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 5 Ongoing Advice & Support option

  • Post implementation: Client has the option for MOJO Finance to manage portfolio. This includes:
  • Ongoing advice & support.
  • Fund switching on agreement and where personal or global economic outlook changes.
  • Progress Reports.

Pensions & Retirement Consultation

Step 1 Discovery meeting. In person or Zoom Call or phone for 60 mins

  • Analysis of your current situation.
  • Let’s define where you need clarity - your specific pension and/or retirement requirements.
  • Where pension investment advice is required we will conduct a point-in-time assessment of your capacity and tolerance for Risk.

Step 2 Report containing Options & Recommendations for client review  

  • Brief and concise report outlining:
  • Client’s current situation.
  • Let’s document where you need clarity.
  • Time Horizon of pension funding & client’s capacity and tolerance for Risk.
  • Recommendations: Advice, Recommendations & ‘Reasons Why’.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps. 30 mins.

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of pension or retirement product by MOJO Finance on behalf of client. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 5 Ongoing Advice & Support option

  • Post implementation: Client has the option for MOJO Finance to manage pension investments. This includes:
  • Ongoing advice & support.
  • Fund switching on agreement and where personal or global economic outlook changes.
  • Progress Reports

Insurance & Protection Consultation

Step 1 Discovery meeting. In person or Zoom Call or phone for 60 mins

  • Analysis of your current situation; the protection that is currently in place. MOJO Finance can analyse existing policy details if required.
  • Let’s define where shortfalls and protection gaps exist.
  • Let’s define the protection budget if any.

Step 2 Report containing Options & Recommendations for client review  

  • Brief and concise report outlining:
  • Client’s current situation.
  • Let’s document where you need clarity.
  • Let’s document where shortfalls exist.
  • Recommendations: Advice, Recommendations & ‘Reasons Why’.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps. 30 mins.

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of pensions or retirement product by MOJO Finance on behalf of client. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 5 Ongoing Advice & Support option

  • Post implementation: MOJO Finance available for ongoing queries and support.

Business Owners Consultation

Step 1 Discovery meeting. In person or Zoom Call or phone for 90 mins

  • Analysis of your current situation.
  • Let’s define where you need clarity and also identify any shortfalls in the areas of protection, investment of surplus funds, retirement funding & tax efficient profit extraction.
  • Where either pension or investment advice is required we will conduct a point-in-time assessment of your capacity and tolerance for Risk.

Step 2 Report containing Options & Recommendations for client review

  • Brief and concise report outlining:
  • Client’s current situation.
  • Let’s document where you need clarity.
  • Recommendations: Advice, Recommendations & ‘Reasons Why’.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps. 30 mins.

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of any product solutions by MOJO Finance on behalf of client. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 5 Ongoing Advice & Support option

  • Post implementation: Client has the option for MOJO Finance to manage pension funds or investments. This includes:
  • Ongoing advice & support.
  • Fund switching on agreement and where personal or global economic outlook changes.
  • Progress Reports.

Employee Benefits Consultation

Step 1 Discovery meeting. In person or Zoom Call or phone for 90 mins

  • Analysis of your company’s current employee benefits offering.
  • Let’s define your goals and motivations – what the company wants to achieve and why.
  • What is the budget and timelines.

Step 2 Report containing Options & Recommendations for client review 

  • Brief and concise report outlining:
  • Company’s current situation relating to employee benefits.
  • Let’s define how a scheme fits into overall strategy.
  • Recommendations: Options, Recommendations & ‘Reasons Why’, pricing, tax implications.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps. 30 mins

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of employee benefit solutions by MOJO Finance. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the product provider.

Step 5 Ongoing Advice & Support option

  • Post implementation: MOJO Finance can assist with:
  • Communication of benefits to staff to ensure maximum engagement and appreciation.
  • Financial planning, advice and implementation solutions for employees if needed.

Financial Planning Lite

Step 1 Discovery meeting. In person or Zoom Call or phone for 90 mins

  • Analysis of your current situation.
  • Let’s define the areas where clarity is required.
  • If required, a point-in-time assessment of your capacity and tolerance for risk. This will allow MOJO Finance to formulate specific Recommendations relating to pensions & investments.

Step 2 Report containing Options & Recommendations for client review  

  • Brief and concise report outlining:
  • Client’s current situation.
  • Let’s document where clarity is required.
  • Recommendations: Advice, Recommendations and ‘Reasons Why’.

Step 3 Follow up call to discuss Options, Recommendations & Next Steps. 30 mins.

Step 4 Implementation of Product where Needed and Agreed

  • Implementation of any product solutions by MOJO Finance on behalf of client. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 5 Ongoing Advice & Support option

  • Ongoing advice & support.

Financial Planning Elite

The process will take as many meetings and correspondences until both parties are happy that the financial plan is clear, achievable and implementable.

The general process is as follows:

  • Review of your current financial situation.
  • Identification of objectives, future commitments and goals.
  • Assessment of what’s required to reach objectives, future commitments and goals.
  • Financial Plan, Options and Recommendations presented & debated.
  • Plan finalised, Actions agreed & implemented.
  • Progress tracked when required.

Step 1 Introductory Call. MOJO will highlight homework needed from client. 30 mins.

  • MOJO Finance will seek to understand the client’s needs at a broad level.
  • MOJO Finance will provide an overview of how the process works.
  • In order that we can all make the very best use your time, MOJO Finance will request information in advance of Step 2; financial information, goals and objectives for example.

Step 2 Discovery meeting. In person or Zoom Call or phone call for 90 mins.

  • Let’s get a thorough understanding of your current situation.
  • Identification of objectives, future commitments and goals
  • Initial thoughts from MOJO Finance.

Step 3 In person/Zoom call Presentation of Financial Plan for Discussion. 90 mins.

  • Presentation of your initial Financial Plan for discussion and debate. The plan will include:
  • Current account: Surplus v Deficit
  • Capital account: Assets v Liabilities
  • Adequacy of Emergency Fund
  • Scope to reduce debt servicing levels
  • Risk Management to withstand the unforeseen
  • Review suitability and performance of Pension & Investment assets
  • Funding future commitments
  • Tax efficiencies/inefficiencies
  • Adequacy of Retirement funding
  • Gift & Estate Planning considerations
  • Choices & Trade-Offs
  • Recommendation & Actions
  • Timelines for implementation

Step 4 Finalisation of Financial Plan with Options, Recommendations & Next Steps. 30 mins.

  • Presentation of revised plan following client feedback and preferences.
  • Agreement on Next Steps.

Step 5 Implementation of Action Points within Financial Plan. 

  • MOJO Finance can implement any product solutions where agreed. Note: MOJO Finance does not handle client monies directly and arranges for client monies to be passed directly from the client to the investment product provider.

Step 6 Ongoing Support option through life of financial plan.

  • Ongoing support can be discussed. MOJO Finance can manage pension and investments.
  • At a studious level, a financial plan should ideally be updated annually, where inputs and progress toward achieving goals and objectives are tracked, assessed and revised where necessary. Otherwise, we would recommend checking and updating the plan bi-annually or at least where material events occur, such as:
  • An addition to the family
  • You got that promotion
  • You have received a redundancy and have moved into new employment
  • A major unexpected expense arises
  • Homemaker returns to work
  • You received an inheritance
  • You have a new goal
  • Remember, all the hard work is done on the initial financial plan. Revising, updating and tracking your financial plan will be a lot easier.