Financial Coaching

Harmonics Financial Limited is a niche, boutique Financial Services Firm. The company is 100% Irish owned and is run entirely by its Financial Planning principals, who all actively work in the business on a day to day basis.

No part of the ownership of Harmonics Financial Limited is held by any individual and/or institution which is not involved in the day to day running and management of its business.

Harmonics Financial Limited has Agency Agreements and referral arrangements with most of the major Service and Product Providers who provide financial services and products in Ireland.

Our Philosophy at Harmonics Financial is simple:
We believe people need help making smart financial decisions… Not sales pitches. Not gimmicks. Not conflicts.

In order to achieve this we believe you need:

• Undivided loyalties – No commissions, sales incentives, or other third-party interests will ever influence the advice or recommendations we give.
• A reputation of trust – This is built on a proud history of satisfied clients, endorsements from them and referrals throughout the country because of a solid track record of achieving and exceeding clients’ individual financial objectives.
• A clear value – We engage new clients when we believe the value of our services can put more money into their pockets than they or their employer pay us in fees.

We look beyond the limited basket of commission-loaded products and proprietary investments promoted by banks and brokerages. We maintain an unemotional balance in our investment decisions. We shop around for cost competitiveness and eliminate unnecessary fees and expenses wherever appropriate. We employ strategies that are warranted by the economic environment and driven by a regard for taxes, risks and costs – not sales commissions

These are the principles that we follow.

We get results, we don’t sell products!

As financial advisors we should be committed to putting our client’s interests first where we work for them and not a bank or life assurance company. This we believe is the key to sound financial advice.

Our goal is to help people make decisions about their finances that are best suited and most appropriate to them and their family.

What we find each and every day that people are great at what they do and devote all of their time to their passions or professions or both but devote very little if any time to themselves and how financially fit or otherwise they are. They simply don’t have the time, don’t know where to look for help and as a consequence neglect their finances until it is too late. Simply put, they need help direction and advice from people who they can trust, safe in the knowledge that their advisor is committed to putting their interests first where they work for them and not a bank or life assurance company.

We completely agree and as financial advisors we should be committed to putting our client’s interests first where we work for them and not a bank or life assurance company. This we believe is the key to sound financial advice.