HC FINANCIAL - FACTFIND FOR NEW CLIENTS

HC FINANCIAL - FACTFIND FOR NEW CLIENTS
This document will help us to serve you better!

By completing the sections relevant to you in advance, we can get a better understanding of Your circumstances, needs and objectives and so we can ensure we give you the best financial

for a better financial future
PLEASE SELECT THE NAME OF YOUR ADVISOR/CONTACT IN HC FINANCIAL*
IMPORTANT: Vulnerable Adults or Special Care Circumstances

Are there any special circumstances which should be taken into consideration when completing this financial review? For example, recent illness, bereavement, any difficulties in following the review due to hearing or sight problems, redundancy, retirement or maybe if you find financial discussions confusing?
(Include here if customers are vulnerable. See categories below)

	Categories of Vulnerable Consumers	Examples of Vulnerabilities
1	Capable of making decisions but their particular life stage or circumstances should be taken into account when assessing	Age, poor credit history, low income, serious illness, bereaved etc.
2	Capable of making decisions but require reasonable accommodation in doing so.	Hearing-impaired, vision-impaired, English not first language, poor literacy.
3	Limited capacity to make decisions (temporary/permanent)	Mental Illness/Intellectual disability

The purpose of this factfind is to determine the best way we can help and advise you on your financial needs and help you plan for the future. In order to do this we need to establish your current circumstances and any relevant information so we can recommend the best products and financial solutions that are right for you.

Please tick the areas you would like to focus on:

Life Cover/Mortgage ProtectionSerious Illness / Income ProtectionSavings & InvestmentsPensions & Retirement PlanningMortgages/PropertyEstate/Succession PlanningOverall Financial ReviewOther (please specify below)
If your answer was "other" please give detail here
Section 1: Personal Details

Personal Details

	1st Applicant.	2nd Applicant. (if applicable)
Full Name:
Address:
Civil Status:
DOB:
Over 60:
Nationality:
PPS No:
Mobile No:
Home No:
Work No:
Email:
Smoker: (Yes or No)
Good Health:(Yes or No)

Change in Circumstance

We understand that life doesn't stay still and circumstances can change since initial meetings or may be imminent in the future. It is important you let us know about these changes or potential changes so we can best serve you and your needs going forward.

Are you aware of any known future changes to your circumstances? (If so please state)

	1st Applicant.	2nd Applicant (if applicable)
Yes
No

(If "Yes" please provide details)

Are there any known material changes to your circumstances since we last met (if applicable)?

	1st Applicant	2nd Applicant (if applicable)
Yes
No

(If "Yes" please provide details)
Section 2: Family Details

Dependents

	Name	DOB	Education, Details & Plans

Section 3: Income & Expenditure

Please note: If you do not wish to discuss your personal and financial details with this application, you may go directly to page 10 and complete Section 14. Fact find Waiver

Employment Status

	Employed	Self Employed	Director	Other.
1st Applicant
2nd Applicant (if applicable)

Income

	1st Applicant.	2nd Applicant . (if applicable).
Occupation (or, if company director, Nature of Business)
Employer/Company Name:
Employer/Company Address:
Length of Service
Approximate Earned Income (please specify if gross or net)
Any Other Income (rent etc):
BIK

Expenditure

	1st Applicant.	2nd Applicant . (if applicable).
Regullar outgoinings
Other Loans

Section 4: Life Cover/Mortgage ProtectionSerious Illness Cover & Income Protection

Existing Life Cover

	Details	Other (if applicable)	Other (if applicable)
Who is covered?
(Joint or single life?)
Insurance Provider:
Is the cover used as security for borrowings?
What level of life cover do you have?
Expiry date of cover if applicable:
Premium:
Estimated Fund Value:
Do you have Death in Service Cover? (life cover through your employer)
If Yes, what is your Level of Cover
Extra details (if required)

Will your employer pay you if you are off sick?

	Yes	No	If yes, for how long

Income Protection
Do you have Income Protection?

YesNo
Renewal Date

MonthDayYear
Date
Provider

Do you engage in any hazardous activities?

	Yes	No	If yes, please give details

Any medical problems to be aware of when considering life cover?

	Yes	No	If yes, please give details

Do you wish to review your Protection Needs?

YesNo
Section 5: Health Insurance
Do you have Health Insurance

YesNo
Who is your Health Insurance Provider?
Would you like us to provide a quote for you?

YesNo
If yes, what plan are you currently on, or if not currently insured which plan would most suit your needs?
When is your policy renewal date?

MonthDayYear
Date
Section 6: Savings & Investments
Do you wish to review your Investment Needs?

YesNo
Please give details of Deposit Accounts, Current Savings Plans or Investments Held:

Current Investments or Savings

	Type	Name of Investment Fund	Value €	Institution	Maturity Date

Section 7: Pension & Retirement Planning

Whether you are an Employer, Employee or Self Employed – we can help you plan financially for your retirement. No matter what age you are, planning for your retirement or making sure you have a pension plan in place should be a priority.

Do you wish to review your Retirement Planning Needs?

YesNo
Preferred Retirement Age

Existing Pension Benefits:

	Pension Details	Other Pension Policy (if applicable)	Other Pension Policy (if applicable)
Type of Pension (company/personal)
Pension Provider
Retirement Age
Contributions
Estimated Fund Value
Any other information:

Section 8: Mortgages & Property

(Please complete the ‘Investment Property’ sections below if you own property other than your family home)

Do you own your own family home:

YesNo
Current Mortgage Lender
Current Mortgage Rate
Would you like a Rate Review?

YesNo
Rate

Family Home

	Purchase Price	Year Purchased	Current Value	Outstanding Mortgage:	Repayments	Term	Remaining Term.

Mortgage Rate & Type

TrackerFixedVariableAnnuityInterest Only

Investment Properties

	Property 1	Property 2	Property 3
Purchase Price
Year Purchased:
Current Value:
Outstanding Mortgage:
Repayments:
Term Remaining
Rental Income
Mortgage Type Tracker/Fixed/Variable
Mortgage Rate Annuity/Interest Only

Section 9: Taxation
Section 9: Taxation

YesNo

Tax Details

	Self	Partner/Spouse
Basis of Assessment (Joint/single):
Last Return Year
Previous Tax Advisor/Accountant (if any):
Notes/Requirements:

Section 10: Estate Planning
Have you made a will?

YesNo
Would you like more information in relation to Inheritance/Succession planning?

YesNo
Section 11: Overall Financial Review
Would you like an overall financial review of your current financial situation?

YesNo
Are there any other areas that you would be interested in discussing further?

YesNo
If Yes, please provide details here

HC FINANCIAL - FACTFIND FOR NEW CLIENTS

Section 1: Personal Details

Section 2: Family Details

Section 3: Income & Expenditure

Section 4: Life Cover/Mortgage ProtectionSerious Illness Cover & Income Protection

Income Protection

Section 5: Health Insurance

Section 6: Savings & Investments

Please give details of Deposit Accounts, Current Savings Plans or Investments Held:

Section 7: Pension & Retirement Planning

Section 8: Mortgages & Property

Section 9: Taxation

Section 10: Estate Planning

Section 11: Overall Financial Review

Section 12: Declaration

Section 13: Data Consent & Communications with you

Section 14: Fact Find Waiver