Work Life Balance

Want to spend more time on you?
We can show you when you can take your foot off the gas

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It’s no accident that we address this objective last, as it is only by addressing all of your other objectives that you can ever be in a position to assess whether you can optimise your work life balance.

We have three types of client;

Not enough
They have time but they don’t have enough money. Think of a young couple, possibly in their 30’s or 40’s, with a large mortgage. They are managing but they haven’t made sufficient retirement provision or funded for their other financial objectives so if nothing changes they are going to have to work for as long as they are able to.

Too much
They have money but they don’t have time. Think of a very well-off retired couple in their 70’s. They have enough money to maintain their lifestyle for several decades but they average life expectancy of 12 – 14 years. They could have done more with their lives. They could have worked less.

Just right
They’re fine but here’s the thing, the vast majority of the ‘just rights’ don’t know they have enough. The ‘just rights’ need to be told;

“You are ok”

“You can do things”

“You can switch to a three day week or retire at age 55”

As a Financial Planning firm that is what we offer; 

  • If you don’t have enough we can help you to accumulate money in the most efficient way possible 
  • If you have too much we can help you to pass it on to the next generation tax effectively
  • If you’re just right, we can show you that you’re ok, you can have a better work life balance, you can do stuff

Most people have capacity to achieve a better work life balance but unfortunately by the time they realise this it is often too late. We can help you to achieve this when you are still young enough to enjoy the benefits of a more balanced lifestyle. Click here to book a place on a webinar to learn more about Lifestyle Financial Planning.

Contact us today on 01 546 1100 for a no obligation discussion or book a 15 minute video call with us here.

Read some of our recent articles in publications such as The Sunday Times and Business Post by clicking on this image.

If you are concerned about selecting an adviser via the internet, we suggest that you watch this video. We also provide a number of suggestions here about how you could get comfort that we are the right adviser for you.

BOOK A FREE NO-OBLIGATION CHAT 

We’re operating as normal during Covid. Contact us now for a free no obligation chat;

By Telephone 01 546 1100
Use the Form on this Page
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 

We’re operating as normal during Covid. Contact us now for a free no obligation chat;

By Telephone 01 546 1100
Use the Form on this Page
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 25 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 25 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

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

Want to hear more?

Make contact today and we’ll explain the benefits of lifestyle financial planning.
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