Financial Planning for Parents & Families
Clear, no-fee advice to help you protect your household income, plan for your children and build greater confidence in your family’s future.
30+ Years’ Experience
Nationwide Service
Your family changes and Your financial plan should change with it.
Becoming a parent can change almost every part of your financial life.
Your household costs may increase. Your income may change. You may be thinking more seriously about mortgage repayments, childcare, school costs, family protection, savings and the future you want to create for your children.
At Covermore, we help parents and families look beyond one financial product or decision.
We help you understand your current position, identify what may matter most now and take the next sensible step for your family.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
You may be a parent who is
Expecting your first child
You may be preparing for reduced income, childcare costs, a larger home or new financial responsibilities.
Raising young children
When children are small, your focus may be on monthly household costs, childcare, mortgage repayments and protecting the income your family relies on.
Balancing family costs with long-term plans
It can be difficult to think about pensions, savings and future wealth while paying for everyday family life.
Saving for education and future opportunities
You may be thinking about school costs, college, activities, travel or other future opportunities for your children.
Managing on one main income
Where one income supports most of the household, it can be important to understand how your family would manage if that income reduced or stopped.
Self-employed or running a business
Self-employed parents may need to balance changing income, tax commitments, pension planning, protection and family costs at the same time.
Whatever stage you are at as a parent, Covermore can help you review your options, understand your next step and make confident financial decisions for the future.
What matters most for parents and families
Once you own your home, your financial priorities can continue to change. Your mortgage, protection, savings, pension and wider financial plans should be reviewed as your circumstances develop, helping you stay prepared for both everyday commitments and future goals.
Protecting your household income
Your income may support your mortgage or rent, bills, childcare, food, school costs and family lifestyle.
Protecting your family if the unexpected happens
Life cover, mortgage protection and family protection can play different roles in helping protect your household, subject to policy terms and conditions.
Building an emergency fund
Family life can bring unexpected costs. A practical savings buffer can help you manage repairs, childcare changes, medical costs, lost income or other financial pressure without relying immediately on borrowing.
Saving for your children’s future
You may want to prepare for education, college, activities, travel, hobbies or other future milestones.
Keeping your pension on track
It is easy for retirement planning to fall behind while family costs are high.
How Covermore helps parents and families
Financial planning should not feel intimidating.
Start with your family’s real situation
We begin with a conversation about your income, household costs, children, mortgage or rent, existing policies, pension arrangements and future plans.
Help you identify the priorities
You do not need to address every financial goal at once. We help you identify the areas that may need attention first.
Review what is already in place
We can help you build a clearer view of your mortgage, protection, pensions, savings and other financial arrangements.
Explain your options in plain English
Financial planning should not feel intimidating.
We explain the relevant options clearly, without pressure or unnecessary jargon.
Your next smart financial steps as a family
Financial services can feel overwhelming.
The 7 Steps to Financial Freedom makes things simpler. These simple steps give you a clear roadmap to financial freedom, covering the key areas to consider as your life, family, income and goals change.
You may already have some steps in place. Others may need to be reviewed. Some may not be relevant just yet.
Life is full of changes. Our role is to help you always make the next smart financial step.
Step 1: Build Your Emergency Fund
Build a safety buffer of around three months’ net income to help protect against unexpected costs or short-term financial pressure.
Step 2: Protect Your Debt
Protect your mortgage, loans and other debts so they do not become a burden if something happens. Covermore can help you review suitable protection options.
Step 3: Protect Your Income
Protect your income so your mortgage, bills and future plans are supported if circumstances change. Covermore can help you review suitable options based on your occupation and affordability.
Step 4: Protect Your Family
Protect your family with suitable life cover, especially if you have dependants. Covermore can explain your options and help you choose cover that reflects your needs.
Step 5: Build Your Pension
Build or review your pension so you stay on track for retirement. Covermore can help you understand your options, whether you are starting fresh, reviewing an old pension or increasing contributions.
Step 6: Create Savings Goals
Create savings goals for children, education, tax bills, holidays, cars, home upgrades or future plans. Covermore can help you build good savings habits that fit your life.
Step 7: Invest and Build Wealth
Plan for long-term wealth through investments, property, company structures and wider financial planning. Covermore can help you explore suitable options once the right foundations are in place.
Not sure what financial step to take next?
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Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.