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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.

CONTACT US FOR A FREE NO-OBLIGATION CHAT

By Telephone 01 546 1100
Use the Form on this Page
Email to [email protected]
Book a Zoom call with us here.
Happy to start the process? Click here to complete a factfind and tell us your objectives
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

By Telephone 01 546 1100
Use the Form on this Page
Email to [email protected]
Book a Zoom call with us here.
Happy to start the process? Click here to complete a factfind and tell us your objectives
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

1

Establishing the client-planner relationship

Explain the services that will be provided and the process as well as the remuneration structure.
2

Pre-planning and data gathering

Completion of the financial factfind and queries on same, as well as obtaining information on any existing financial products. Agreeing the financial objectives and timing. Discussion of investments and assets classes and assessment of your attitude, tolerance and capacity for risk.
3

Analysis and identification of financial problems

Establish your current situation and analysis of your objectives. A financial problem is when the figures indicate a deficit of resources. Formulation of solutions for same.
4

Develop and present the financial planning recommendations

Devising the financial planning recommendations. Discussion of the recommendations and revision if necessary.
5

Implementation of agreed-upon recommendations

Implementation of the agreed upon recommendations by client and planner, coordinating the process with other professionals such as accountants, tax advisers or solicitors.
6

Ongoing actions and review

Diary actions for future implementation, as well as the timing of the review and pre-work.

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
“

I would highly recommend Eoghan to anyone looking for expert financial advice. From my first meeting with Eoghan, the level of service has been exceptional. He's extremely knowledgeable, very patient and explains things in way that you can easily understand. I'm delighted with the product he found for me and I hope to be a client of his for years to come.

Gareth M21/9/2020
“

I dealt with Eoghan regarding my pension. It wasn't a clear cut situation and Eoghan went above and beyond to explain all details and possible scenarios with me. Eoghan constantly kept me updated and aware of any new information without being prompted. Eoghan was efficient, knowledgeable, professional and a pleasure to deal with. I would not hesitate to use Highfield Financial Planning in the future and would recommend this reliable company with confidence.

Patricia Duggan21/3/2022
“

Eoghan is a pleasure to deal with. Eoghan has a deep knowledge base and is always up to date with latest market developments. I couldn't recommend Eoghan highly enough.

Colm Ryan21/7/2022
“

As a complete novice when it comes to pensions I was delighted to come across Eoghan. He explained everything that I needed to know and do. He is very professional yet explains everything in ‘lay’ terms. Even during Covid he kept in touch through Zoom and e mail. Thanks Eoghan

Sheila Weller21/5/2022
“

My partner and I did a financial plan with Eoghan, with a number of scenarios for our future. The final product was very professional, and provided proactive investment and protection options which Eoghan carried out fully for us. We felt it was very good value for peace of mind for our financial future!

Tim Lee21/5/2021
“

Excellent service provided by Eoghan since I took the decision to take my pension out of the Banks and use a financial advisor to help me maximise incomes from the market. He is always attentive and quick to offer current valuable advice. Happy to recommend Eoghan to anyone interested in getting sound financial advice.

Niall Hearn2/3/2020
“

For pensions and advice, Eoghan is an expert, professional and thorough. He has a knack for explaining and summarising this important and complex subject in layman's terms. This helps enormously, making you comfortable that you are making the right financial choices for you. He is also a patient and nice guy to deal with.

Bill Glennon18/9/2019
“

As well as advising me on the performance of my existing personal pension & arranging life insurance policies, Eoghan is also now overseeing our business needs. So far, he has implemented an employee pension scheme & is advising on corporate co-director & key-person insurance. I have found him to be exceptionally knowledgeable and honest and wouldn't hesitate in recommending him to others for either business or personal pensions/investments etc.

Dawn Richardson10/10/2019
“

We first met when i was made redundant and needed help with moving my pension. Since then, he has advised me on my life insurance policy for my mortgage and helped me to get a much better deal than I had with my bank. He is extremely helpful and I can ask him anything without feeling like it's a stupid question!

Rachel Egan1/2/2020

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