Your financial profile | Find Your Freedom

Basics

Namei

First name's fine. Just so I know who I'm reading.

Your emaili

So I can reply and send the link to book your call. Never shared, never added to a list.

Where are you based?i

Sets the currency symbol and which tax section you see below.

Pick "Other" if neither fits, we'll cover tax specifics on the call.

Money and meaning

The relationship before the numbers. Money serves a life; start with the life.

How would you describe your relationship with money?i

e.g. calm, anxious, avoidant, on-off. No right answer, just where you're at with it right now. This tells me how to pitch the conversation.

What does money represent to you?i

e.g. security, freedom, status, options, an escape route. This is usually what's actually driving your decisions, not the numbers.

What does a wealthy life look like in 10 years?i

Be specific. Where do you live, what does a normal Tuesday look like, what have you stopped worrying about. A vague answer gives me a vague plan.

Outside money entirely: what gives you energy, meaning and pride right now?i

e.g. people, work, health, a hobby, community. Money's not the whole picture, this keeps the rest of it in view.

If money stopped being a worry tomorrow, what would you change first?i

The first thing that comes to mind usually points straight at what the worry is actually costing you.

One money decision you regret, and whyi

Not for judgment. It just tells me what's already shaped how you think about money.

Current situation

Salary / main income (€ monthly)i

Take-home or gross, whichever you know off the top of your head. We'll square it up on the call.

Variable pay / bonus (€ monthly avg)i

Bonus, commission, overtime. Use a monthly average if it swings around.

Side income (€ monthly)i

Freelance, rental, a side hustle, anything outside the main job.

Partner's income (€ monthly)i

Only if you manage money jointly. Leave blank if finances are kept separate.

Fixed monthly costs (€)i

Rent or mortgage, utilities, insurance, subscriptions. The stuff that goes out whether you like it or not.

Discretionary spending (€ monthly)i

Eating out, shopping, hobbies, holidays. A rough monthly average is fine.

Do you track your spending?i

Not a test. Just tells me whether we're starting from data or from a guess.

What money worries keep you up at night?i

Whatever's actually keeping you up. The specific worry, not the polished version.

Debt and borrowing

The honest total, not the rough number in your head. They're rarely the same.

Mortgage outstanding (€)i

Balance today, not the original loan amount.

Leave blank if this doesn't apply to you.

All other debt (€)i

Every non-mortgage balance added together: loans, cards, overdraft, car finance, BNPL.

Outstanding balance, not the monthly payment.

Total monthly debt repayments, mortgage included (€)i

Every minimum payment added together, mortgage included.

What's the debt made of?i

Balance, rate and monthly payment for each type. Rough numbers are fine. This also feeds the calculator below, so it's worth getting close.

Leave a row blank if it doesn't apply. Use "+ Add another debt" if you've got more than one of a kind, e.g. two cards on different rates.

BalanceRate %Payment

Loans

Credit cards

BNPL

Overdraft

Car finance

Other

What would extra payments do?i

Uses the balances, rates and payments above (mortgage not included). Runs the debt avalanche method: minimums on everything, every spare euro goes to the highest interest rate first, and each payment rolls onto the next debt as one clears.

Rough numbers, for illustration only. Not financial advice, we'll go through the real detail on the call.

Extra per month (€)

How does the debt feel?i

The number and the feeling don't always match. Both matter to how we start.

Safety net

What catches you if income stops. This comes before any investing conversation.

Emergency fundi

Cash you could get to fast, sitting outside your normal spending account.

If unable to work 3 months, income is...i

Sick pay, income protection, state payments, or nothing. This is usually the real gap, not the emergency fund.

Income protection or serious illness cover?i

Income protection pays a % of income if you can't work long-term. Serious illness cover pays a lump sum on diagnosis. Different products, different jobs.

Life cover, if anyone depends on your income?i

Pays out to whoever depends on you if you die. Not relevant if nobody's relying on your income.

Household

Who's in the financial picture?i

Anyone whose money touches yours, or who you're financially responsible for.

How is money handled at home?i

Whether decisions get made solo or need a conversation changes how a plan actually works day to day.

Assets and risk

What do you own or invest in today?i

Everything, even the small stuff. Rough values are fine, we're building a picture not an audit.

Knowledge of the main asset typesi

Shares, bonds, funds, property. Honest self-rating, tells me where to start explaining.

Risk willingness (1 to 10)i

Could you watch €1,000 become €800 without losing sleep? 1 is no, 10 is barely notice.

Risk capacityi

Your actual ability to take risk, separate from how you feel about it. Stability, timeline and debt decide this, not appetite.

Time horizon for money you'd investi

Before you'd actually need to touch it. Short horizons and risk don't mix well.

Tax efficiency (UK)

The free money and the tax shelters. General education, no recommendations.

ISA allowance usei

£20,000 a year, tax-free growth. One of the simplest wins available and often half-used.

Getting the full employer pension match?i

If your employer matches contributions up to a point and you're under it, that's free money left on the table.

Using salary sacrifice where it's offered?i

Lowers your taxable pay and usually your National Insurance too. Common for pensions, cycle schemes, EV leases.

Checked your State Pension forecast / NI record?i

Gaps in your National Insurance record show up here, and they're often cheap to fix while they're recent.

Reviewed your tax credits and reliefs lately?i

e.g. Marriage Allowance (up to £252/year, claims backdate 4 years) or the Rent-a-Room Scheme (£7,500 tax-free). Widely missed, worth a five-minute check.

Tax efficiency (Ireland)

The reliefs that matter here. General education, no recommendations.

Paying into a pension?i

Occupational scheme or PRSA. If there's an employer match and you're not getting all of it, that's free money.

Aware of AVCs and tax relief limits?i

Additional Voluntary Contributions. The tax relief limit rises with age, most people don't know their own limit.

Aware of fund/ETF tax rules here?i

Exit tax and deemed disposal. Irish fund taxation works very differently to shares, catches a lot of people out.

Reviewed your tax credits lately?i

e.g. Rent Tax Credit, flat-rate expenses for your job. Small, easy to miss, easy to claim back once you know.

Behaviour

Markets drop 20%. Your gut says...i

Gut reaction, not the "correct" answer. This tells me how much hand-holding a plan needs built in.

Avoid the banking app or the post?i

Avoidance is one of the clearest signals of how money actually feels day to day, more than the numbers do.

Biggest spending triggeri

The thing that actually gets you, not the polite answer. Budgets fail when this gets ignored.

Next steps

One thing to tackle firsti

Your instinct here is usually right. Gives us a starting point instead of trying to fix everything at once.

What would help most from these conversations?i

Some people want a plan, some want someone to check in with. Both are fine, this just sets the shape of it.