Are your employees financially
healthy?
Do your employees have financial
concerns that are becoming a
distraction at work?
How effective are your existing
initiatives in helping your
employee’s address their personal
finance queries?
Experts in
Financial Wellbeing
Eolas Money: Providing a suite of
Financial Wellbeing Initiatives to
employers throughout Ireland
Our Mission
We at Eolas Money are experts in financial wellbeing, whose primary aim is to enhance the existing wellbeing
initiatives you offer to your employees. Whether you already include Financial Wellbeing when rolling out Wellbeing
programmes to your employees, or whether you are contemplating introducing such an element for the first time,
our approach of delivering initiatives personalised to each employer’s requirements, has proved to have a lasting
positive impact on employee’s finances and on the relationship between employers and their employees.
About Eolas Money
Eolas Money was formed in 2009 and has since established itself
as a leading firm in the provision of Financial Wellbeing initiatives
for employers throughout Ireland. Established by Wellbeing
professionals Brendan Reilly & Jim Stapleton, they have a combined
experience of over 30 years in the design and delivery of various
financial wellbeing programmes, ranging from general Financial
Wellbeing Seminars and clinics to more tailored workshops on a
range of personal financial topics, including Taxation, Retirement,
Redundancy, and various aspects of workplace change management.
Eolas Money maintains the highest standards of professionalism and
we have invested very heavily in the education and professional
development of our Financial Planners in order to ensure the highest
level of professional advice is provided to all our clients. Apart from
holding the prestigious Certified Financial Planner designation, our
Financial Planners also hold memberships of the Irish Tax Institute, the
Financial Planning Standards Board Ireland, and the Life Insurance
Association and are Qualified Financial Advisors. In addition, they
have attained the Graduate Diploma in Financial Planning and
the M.Sc. in Financial Services from University College Dublin.
Employer Feedback from our initiatives
“Eolas Money
delivered a clear
and professional
presentation on a
subject which is
usually considered
a complicated and
ambiguous one”
2
“As an employer, we “Eolas worked
found this initiative
to be of great benefit
in helping our
staff address their
personal financial
planning needs and
we are grateful to
Eolas Money for
their help with this”
with us from the
outset to define
our programme
objectives so that
they could tailor
their service to
meet our needs.”
“It was a pleasure to
engage experienced
professionals such
as Eolas Money to
assist us in designing
a wellbeing
programme that our
employees actually
received significant
benefit from”
Our Suite of Financial Wellbeing Initiatives
General Financ i a l We l l be i ng S e m i na r s
Our General Financial Wellbeing Seminars are designed to provide employees with 10 practical steps to
improve the way they manage their personal finances, with advice on all ten elements of their money,
ranging from practical examples and guides to recommendations for various independent financial resources.
The general seminars also provide employees with the opportunity to have general queries answered by
our Financial Wellbeing experts. Through consultation with employers in advance, these seminars can also
highlight important financial benefits provided to employees by employers such Death In Service entitlements,
Income Continuance Benefits, Sick Leave Benefits, Health Insurance contributions and complimentary Pension
Contributions which can further enhance the employers positive reputation amongst their employees.
The topics covered during the General Financial WellBeing Seminars include:
||Income
||Taxation
||Banking & Budgeting
||Protection
||Savings & Investments
||Borrowings
||Property
||Retirement Planning
||Inheritance Planning
We offer a number of different options to employers wishing to avail of our Financial Wellbeing Seminars from
large group seminars to smaller workshops. We will discuss your specific requirements with you during our initial
meeting and our seminars can then be delivered over full or half day sessions to suit you and your employees.
Retir emen t S e m i na r s & C l i ni c s
Our Retirement Clinics are designed to provide employees who are contemplating or nearing retirement
with practical advice on the consequences of retirement on their personal finances, as well as comparisons
between their pre & post retirement finances. These clinics will highlight how an employee’s existing
pension scheme integrates with possible benefits payable from the Department of Social Protection
upon leaving employment and reminds employees of how to go about claiming any retained retirement
benefits from possible previous employments. The Retirement Clinics provide employees with the
opportunity to have retirement planning queries answered by our Financial Wellbeing experts.
Our Retirement Clinics highlight the implications of retirement on employees’:
||Income, including possible
benefits from the Department
of Social Protection
||Taxation
||Budgeting
||Protection
||Savings & Investments
||Mortgages & Loans
||Retirement benefits, including any
existing occupational pension,
AVC, PRSA or retained benefit
from previous employment
We offer a number of different options to employers wishing to avail of our Retirement Seminars &
Clinics from group seminars, to smaller workshops, to 1:1 individual clinics or a combination of all
three. We will discuss your specific requirements with you during our initial meeting and our seminars
& clinics can then be delivered over full or half day sessions to suit you and your employees.
3
In dividu al 1 : 1 E m pl oye e C l i ni c s
Our 1:1 clinics can be organised in conjunction with any of our group seminars or on a standalone
basis and they provide your employees with the opportunity to discuss their personal finance queries
with our Financial Wellbeing experts through confidential 1:1 meeting during working hours.
The agenda for these 1:1 clinics is set by the employee as they may have a personal query
following attendance at any of the seminars mentioned previously or they may simply require
some financial planning advice. Either way, our Financial Wellbeing experts will be happy
to assist your employees with whatever financial query or concern they may have.
We offer a number of different options to employers wishing to avail of our Individual 1:1 Employee
Clinics, ranging from short 20 minute sessions to 1 hour sessions per employee. We will discuss
your specific requirements with you during our initial meeting and our Individual 1:1 Employee
Clinics can then be delivered over full or half day sessions to suit you and your employees.
Tax Wo r k s hops & C l i ni c s
Our Tax Workshops and Clinics are designed to provide your employees with practical and easy to understand advice
on their PAYE, PRSI and USC payslip deductions, as well as a broad outline of how their tax liability is calculated.
Our Tax sessions provide practical guidance on the tax credit system, making claims for tax refunds, completing
taxation forms tax refund deadlines, in order to help your employees keep their tax liability to a minimum and
ensure they do not leave any potential overpayments unclaimed. In addition, for those employees offering share
purchase schemes to employees, we give an overview of the Capital Gains Tax system. These tax sessions also provide
employees with the opportunity to have their taxation queries answered by our Financial Wellbeing experts.
The topics covered during the Tax sessions include:
||Understanding Your Payslip and the
various tax related deductions
||Completing a Taxation Return
||Claiming Tax Credits & Allowances
||Knowing Relevant Tax Deadlines
||How to declare Non-PAYE Incomes
||How CGT works and how to keep
your CGT liability to a minimum
We offer two different options to employers wishing to avail of our Tax Wellbeing programmes, either small group
workshops, or individual 1:1 clinics. We will discuss your specific requirements with you during our initial meeting
and our workshops and/or clinics can then be delivered over full or half day sessions to suit you and your employees.
4
Change Management Assistance
Red unda ncy C l i ni c s
Where an employer is planning to introduce a redundancy program, whether compulsory or
voluntary, our Financial Wellbeing Experts will work with employers to assist affected employees
through the transition process. These individual clinics will provide employees with the opportunity
to have personal queries answered confidentially by our Financial Wellbeing experts.
Our Redundancy Clinics help employees to understand:
||Income, including how to apply for possible benefits
||Protection – Reviewing same in light of the
||Taxation – How their household tax
||Savings & Investments
||Mortgages & Loans
||Retirement benefits and the options for
from the Department of Social Protection
position may now change
||Budgeting – How to continue to manage their
household budget efficiently finances
loss of employment related benefits
same in light of the redundancy
Due to the sensitive nature of the topic, we encourage all employers introducing a redundancy programme to offer
1:1 clinics only to employees. We will discuss your specific requirements with you during our initial meeting and our
Individual 1:1 Employee Clinics can then be delivered over full or half day sessions to suit you and your employees.
Salar y Tra ns i t i on S e m i na r s
Where an employer is planning on changing the frequency of payments to employees, or introducing other changes
in the workplace such as different pension arrangements or remuneration structures, our Financial Wellbeing Experts
will work with employers to devise a suitable program designed to assist employees through the transition process.
Our salary transition seminars and clinics examine
the impact of the change on employees:
||Income
||Taxation
||Budgeting
||Protection
||Savings & Investments
||Mortgages & Loans
||Retirement Planning
We offer a number of different options to employers wishing to avail of our salary transition programmes,
from group seminars, to smaller workshops, to 1:1 individual clinics or a combination of all three.
We will discuss your specific requirements with you during our initial meeting and our seminars &
clinics can then be delivered over full or half day sessions to suit you and your employees.
Ad ditio nal S e r v i c e s for E m pl oye r s
Group Risk & Group Retirement Planning
||Should you wish to review your existing employee
benefits in order to ensure continued value for money
for you and adequacy for your employees, Eolas Money
can provide employers with an independent assessment
of existing group retirement plans, health insurance
plans, death in service and disability benefit schemes.
||Should an employer not currently provide any/
all of the above benefits for employees and wishes
to get further information on the provision of these
benefits, Eolas Money will be happy to discuss
your requirements with you and assist you in
the provision and implementation of same.
5
How We Help
First, we listen to you, the employer, to determine what your
motivations are for continuing to provide or for introducing a
Financial Wellbeing element to your overall Wellbeing initiatives for
your employees. We then work with you to determine how best this
topic is to be incorporated into your overall wellbeing initiatives.
Next, we learn from you about the valuable existing employment
benefits you offer to your employees, so that we can highlight these on your
behalf during the financial wellbeing initiative. In addition, we ensure that
all of our Financial Wellbeing initiatives are tailored specifically to you and
your employee’s requirements, based on the feedback we receive from you
and your experiences of previous wellbeing programmes you have run.
Then, we deliver our initiatives in a format that best suits your
workplace, be that group presentations, smaller workshops, or 1:1 Clinics.
This allows us to provide your staff with the widest possible access whatever
type of initiative you choose, with the minimum amount of disruption
to your workplace, in the environment best suited to your employees.
Acces si ng our S e r v i c e s
As you can see, Eolas Money offer a very wide range of options to employers wishing to avail of our
Financial Wellbeing Initiatives, from group seminars on general or specific topics, to smaller workshops,
to 1:1 individual clinics, or a combination of all three. We will discuss your specific requirements
with you during our initial meeting, which is conducted at our expense, and our initiatives can then
be rolled out over full or half day sessions to best suit your employees and your workplace.
Our rates are as follows:
||Each full day on site: €850
||Each half day on site: €450
To arrange your initial meeting with us to discuss your requirements, please contact
us by email to [email protected] or by phone on 052 6129696.
6
More Feedback from other Employers
eBay, Eolas Money worked with eBay during our recent
employee wellbeing initiative and provided our employees with
the opportunity to have confidential 1:1 consultations with
financial wellbeing experts. The feedback we received from our
employees was very positive and we would have no hesitation in
recommending the expertise of Eolas Money to other employers.
Ciara Hughes, Employee and Community Events Manager, eBay
Heineken,
At Heineken Ireland, we are very conscious that
we are living in an increasingly demanding and stressful world. To
provide information and support, we conducted a Wellbeing Week,
featuring Emotional Wellbeing, Financial Wellbeing and Physical
Wellbeing. Eolas Money designed and presented the Financial
Wellbeing Day, facilitating workshops and conducting individual
consultations with employees. The most positive feedback we received
over the week was for the Financial Wellbeing Day with participants
commenting on Brendan and Jim’s comprehensive presentation,
engaging manner, ability to make complex topics very clear and their
extensive knowledge and experience. I wholeheartedly recommend
Eolas Money – they exceeded our very high expectations.
Dara Neary, Organisation Development Manager, HEINEKEN Ireland
Baxter,
Eolas provided practical advice and tips on
managing personal income and planning for the future. The
1:1 sessions which followed allowed employees to raise any
personal financial concerns and get sound advice.
Simone Harney, HR Manager, Baxter Healthcare
GE,
Jim and Brendan took the time to understand our requirements
and the sessions they delivered were informative and met all of our
criteria. The group sessions were so successful that follow on individual
sessions were organised and the feedback from employees was extremely
positive. We would happily recommend Eolas to other businesses.
Mary Gallagher, HR Manager, GE Sensing.
Vodafone
, “We found Eolas Money to be organised, extremely
knowledgeable and totally professional. The presentation was
very slick, flowed from both presenters as they interacted with one
another and was delivered to an exceptionally high quality”.
Mark O’Dwyer, Finance Systems & Change, Vodafone Ireland
7
Contact us today to discuss how our Financial Wellbeing Initiatives
can help you and your employees:
Brendan on 087 834 5523
Jim on 087 292 4131
[email protected]
www.eolasmoney.ie
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Experts in
Financial Planning
Eolas Money Management Limited, T/A Eolas Money, is regulated by the Central Bank of Ireland. Registered in Ireland, number 478055.
Registered Address: Ard Gaoithe Commercial Centre, Cashel Road, Clonmel, Co. Tipperary. Telephone: 052 612 9696.
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