Pictured at a recent seminar in Athlone. Back row (l-r) Frankie Herron, Killybegs, Michael Cummins, IT Solutions, James Keating, Leopardstown, Tommy Cantwell, Leopardstown, John Golden, Ballaghadereen and Niall Brennan, Dublin. Front Row (l-r) Margaret Herron, Patricia Cummins, Hendrika Keating, Liz Cantwell, Mary Golden and Rita Brennan.

Pictured in Athlone. Back row (l-r) Gerard Morgan, Cavan, Declan Ormonde, Finglas, Michael Robinson, Portlaoise, John McKenzie, Ballaghadereen, Sean O'Carroll, T.O.D. and Patrick Morgan, Dundalk. Front row (l-r) Marie Morgan, Breda Robinson, Annie McKenzie, Cathleen O'Carroll and Claire Ormonde.

Pictured at a recent seminar in Killarney. Back row (l-r) Noel Byrne, Waterford, Tom Henry, Harolds Cross, James Lynch, National Grid, Sylvie Lynch, Waterford, Conor McMahon, ESBI and Fergus Smith, Poulaphuca. Front row (l-r) Margaret Byrne, Catherine Henry, Mary Lynch, Breda Lynch, Liz O Brien and Anne Smith.

Pictured at a recent Retirement Planning Seminar in Kilkenny. Back row (l-r) Nicky Finn, Arklow, Joe Bergin, Finglas, Willie Doran, Limerick and Richard Carroll. Front row (l-r) Betty Finn, Frances Bergin, Geraldine Doran, Ena Hickey, Leopardstown and Mary Carroll, Mullingar.

Pictured in Killarney. Back row (l-r) Michael Ormond, National Grid, Sean Meaney, Limerick, Brian Punch, Limerick, Tom Martin, Galway, Jim Flood, Sligo, Donal McGettigan, Erne Stations and John Whelan, ESBI. Front row (l-r) Jean Meaney, Margaret Punch, Teresa Martin, Catherine Flood, Maureen McGettigan and Geraldine Whelan.

Pictured in Kilkenny. Back row (l-r) Dave Tobin, Finglas, John Loughlin, Lanesboro', Peter Hughes, Killybegs and Yvonne Richmond, Lee Stations. Front row (l-r) Kathleen Tobin, Madge McGrath, Leopardstown, Violet Loughlin, Helen Hughes and Evelyn Richmond.