Share Dealing
We don’t encourage our clients to invest in individual equities as we believe that the risks involved are too high for any individual investor to bear. Many of our clients do own equities however, through employer bonus or share option schemes.
Many people who pay their tax through the PAYE system have never made a tax return. Some, even when they sell shares and realise a gain, either forget to make a return or hope the issue will go away – it doesn’t go away and having an issue like this hanging over you is very risky for your financial wellbeing.
If you have carried out transactions which resulted in a tax liability we can help you to regularise your tax affairs and explore whether there is anything you can do to limit tax and risk going forward.
Investing in individual equities is exciting but for most people it is risky and especially so if a large portion of your wealth is tied up in a company which also provides your income. If you are serious about successful investing you need to come at it from another angle.
We can help you to determine when you will be able to work less or retire, how to structure your finances in order to get there, and then assist you in the journey to achieving that. The most effective and efficient way to ensure that you achieve all of your financial and life objectives is to retain a Certified Financial Planner to construct a Financial Plan for you.
Our recent article in The Sunday Times illustrates the benefits of Holistic Financial Planning.
How We Are Different
About Financial Planning
Financial Planning is concerned with determining the cost of your objectives and structuring your finances so that you accumulate enough to achieve each of them. The process involves quantifying the cost of your various life objectives (housing, children’s education, retirement etc) and, based on your assessed attitude to risk (which will determine the likely return), calculating the required investment to achieve each of your objectives. If the figures show that you have sufficient resources to achieve your objectives, not only will this help you to reduce risk, it will afford you the freedom to make choices which you wouldn’t otherwise be aware that you had. If the figures indicate that you currently don’t have the income or resources you need to satisfy your financial objectives we have strategies for dealing with this to ensure that your financial plan is optimal.
Many of our clients tell us that they feel that what they have been getting is sales, and they want advice. Talk to us today about getting real investment advice.
Check us out in the media here.
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The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.
BOOK A FREE NO-OBLIGATION CHAT
The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.
About Highfield Financial Planning
We provide superior advice on Financial Planning services to business owners, professionals and their families. The principal of the firm Eoghan Gavigan has over 27 years’ experience in banking and finance across Treasury, Lending and Wealth Management and is a Qualified Financial Adviser (QFA) and a Certified Financial Planner (CFP). The CFP qualification is the world’s most respected industry designation, held by only a select number of advisers. As Specialist Investment Advisers we can provide you with detailed investment advice on your pensions and investments.
We want you to be comfortable in your dealings with us. We provide a number of suggestions here for ways that you may be able to obtain comfort that we are the right Financial Planner for you.
Our Process
Why We Changed Our Business To Focus On Financial Planning
Having been involved in Financial Services for over 27 years our experience is that most people feel that they aren’t well served by the traditional financial advice model. Commission based sales creates a huge conflict of interest as in order for a financial adviser to be paid for his work he must sell you a financial product.
Many people who approach us for financial planning services tell us that they feel that what they have been getting is sales, and they want advice.
Our most successful clients use Financial Planning to manage their finances and accumulate wealth. Studies have shown that people who engage in Financial Planning are more on track with their financial affairs and have higher net worths.
Who Is Financial Planning Suitable For?
- You own your own home or are planning to purchase a home soon
- You have surplus income (although you may well feel that it is not being used optimally)
- You may have financial products (pensions, life assurance, investments etc) but they were sold to you by someone who had a target to achieve
- You are interested in developing a cohesive plan to achieve your financial objectives