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Much of the mainstream media commentary around investing carries with it the assumption everybody’s goal should be to try to ‘beat’ the market. But what does that mean? And does it make any sense at all?

Of all the benefits financial planners can provide, perhaps one stands out more than any other. It's one that's intangible, instinctive, qualitative, insightful and potentially life-changing at the same time.

One of the most common ideas in modern self-help books is that ‘everything happens for a reason’. It has become a popular concept because we want it to be true.

Interest rates have been tracking downwards for over a decade at this point. We are at a unique time in our history whereby banks have actually been charging certain depositors to hold their money on deposit. This is the case for money held within corporate deposits.

The recent draft publication of the Sláintecare contract has certainly raised eyebrows among medical consultants. There has been reports in the media that consultants are not exactly overjoyed with the suggestions on patient advocacy (needing firstly to be reported through their clinical director) and the lack of intellectual property rights (basically the consultants will have none).

Typically, financial planners highlight their service offering as being; advice on asset allocation, retirement planning, cash flow analysis, insurance, wealth protection, estate planning and so on.