Welcome to CK Financial Solutions

You worked hard for your money; it’s good to know that you can rely on an experienced and specialised team to manage it for you.

Managing wealth is not just about preserving current levels of worth. It’s about developing opportunities that will grow your assets in a tax efficient way.

Plan properly and enjoy

At CK Financial Solutions we specialise in offering creative financial solutions tailored to the specific needs of successful companies and individuals.

Find out more…

Our Schedule of Fees are outlined below.
AAA CK LIFE PENSIONS & MORTGAGES LTD
SCHEDULE OF FEES AND CHARGES

GENERAL:

AAA CK Life Pensions and Mortgages Ltd. are remunerated by commission and other payments from product producers or lenders on the completion of business. You may choose to pay in full for our services by means of a fee. Where we receive recurring commission, this forms part of the remuneration for initial advice provided. We reserve the right to charge additional fees if the number of hours relating to on-going advice/assistance exceeds 5 hrs.

In certain circumstances, it will be necessary to charge a fee for services provided. These are listed below for life, non-life business and Pension & Standard PRSAs. In other circumstances where fees are chargeable or where you choose to pay in full for our service by fee, we will notify you in writing in advance and agree the scale of fees to be charged if different from fees outlined below.

If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the firm unless an arrangement to the contrary is made.

Life Assurance Fees:
You may elect to deal with us on a fee basis.

Senior Advisers €200 per hour
Support staff €125 per hour

In addition to the applicable above fee, Travel time will be charged at half of this fee

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. We will notify you in advance of providing you with these services, our scale of fees for such work range from a minimum of €200 per hour to a maximum of €300 per hour.

Personal Retirement Savings Accounts (PRSAs) – Fees:

Where advice is requested for PRSAs, the following hourly fees will apply:
Senior Advisers: €200 per hour.
Support staff: €125 per hour.

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency We will notify you in advance of providing you with these services, our scale of fees for such work range from a minimum of €200 per hour to a maximum of €300 per hour.
If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the intermediary unless an arrangement to the contrary is made.

Debt Management Services

AAA C K Life Pension and Mortgages Limited is authorised by the Central Bank of Ireland to provide the services of a debt management firm. We provide advice about the discharge of debts (in whole or in part), including advice about budgeting in connection with the discharge of debts. We will also negotiate with a person’s creditors for the discharge of debts (in whole or in part).

Debt Management Fees:
You may elect to deal with us on a fee basis.

Directors: €200 per hour
Senior Adviser: €125 per hour
Support Staff: €75 per hour

In addition to the applicable above fee, Travel time will be charged at half of this fee.

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. We will notify you in advance of providing you with these services, our scale of fees for such range from a minimum of €200 per hour to a maximum of €300 per hour.

Mortgages

We have a direct client fee associated with arranging applications and providing advice. We charge a fee of 1% of the mortgage amount sought for submission of a mortgage application to a mortgage provider, subject to a minimum fee of €1,500. This is not in any way an indication of mortgage/loan approval. Our fee will be notified to the lender who will include this fee into the calculation of the APRC (Annual Percentage Rate Change). PIBA Mortgage Services charges a broker fee of €250 per application. The €250 is to cover the direct application processing costs and is non-refundable. This €250 fee is included in our minimum fee of €1,500 mentioned above. For example: If you are seeking a mortgage for €150,000, we charge a fee of 1% of €150,000 = €1,500. The total fee due is paid up front.

In addition, we may receive up to 1% of the loan as a commission payment from the lender for arranging mortgage finance. All commission earned on the mortgage is passed on to the firm in full. The actual amount of commission will be disclosed at a later stage in the ESIS (European Standardised Information Sheet) which will be forwarded to you. Information on the variation in levels of commission payable by the different creditors providing credit agreements being offered are available on request.

Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer. You have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending.

Directors: Sheila Cassidy, MSc Business Admin
Declan Keegan, Dip Business, Dip Pensions, QFA
AAA CK Life Pensions and Mortgages Limited, trading as CK Financial Solutions is regulated by the Central Bank of Ireland.
CRO No. 452719

AAA C.K. Life Pensions and Mortgages Limited t/a CK Financial Solutions is regulated by the Central Bank of Ireland. CRO No. 452719.

Place of Registration: Greatmeadow, Boyle, Co Roscommon. Directors: Sheila Cassidy and Declan Keegan.

Website by Cookie Web