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We're all so busy coping with our everyday lives that we often put off planning for the future. But every now and then something prompts us to think what would happen if...?

The truth is that a little time spent now on careful financial planning, means you can relax in the knowledge that you've got things covered. At Bank of Ireland, advice from our experienced, well informed financial advisers may help save you money, help you plan for the future and help protect those who might rely on you financially.

Why you need advice

There's no right or wrong time to get advice, but most people choose to see a financial adviser because of something significant that's happened in their personal or business life. Things like:

• Work-related changes (a new job, becoming self-employed, retirement, new contract)
• Health concerns (long or short-term ilness, the illness or death of someone close)
• Leisure (renting, buying, downsizing, expanding)
• Financial changes (increased borrowing, windfalls or an inheritance)

Our expert advisers from Bank of Ireland Financial Services have access to products from every provider in the marketplace. This means that we can help you choose the best options to:

• Help protect your business against the financial impact associated with death or illness
• Help reduce any tax liabilities, including inheritance tax
• Help grow your savings over the long term using a range of personally tailored investment plans

The capital value of investments and any income from them can rise as well as fall in value and is not guaranteed.  You may get back less than invested.  Tax planning depends on your personal circumstances.  Tax treatments and tax law are subject to change.

Click here for more information on how to help your business

Independent financial advice to Bank of Ireland UK customers is provided by Bank of Ireland Financial Services which is the trading name of Bank of Ireland Trustee Co. Ltd, authorised and regulated by the Financial Services Authority (FSA) in respect of Investment & Insurance mediation activity. The FSA does not regulate tax planning