Financial Planning

At Harnett Financial Services, financial planning is about your life first and your money second. We help you understand where you are today, where you want to be and what needs to happen in between so you can make confident decisions at every stage

We offer personalised financial planning for individuals, families and business owners across Ireland. Our life‑first, goals‑based approach helps you understand where you are today, where you want to go and what needs to happen to get there.

Your plan looks at the big picture of your life and the day‑to‑day reality of your finances, so you can see everything clearly in one place. Cashflow modelling lets you see the impact of key decisions in advance, such as retiring early, reducing hours, helping children or selling a business. Whatever decision you are considering, we can help you see how it might affect your long‑term finances so you can move forward with confidence.

Three green icons with questions: a bar chart with the text 'Will we be alright?', a piggy bank with the text 'Can we afford to...?', and a briefcase with the text 'What happens if...?'.
A human hand reaching up towards a floating lightbulb in the sky.

Our Process

First Meeting

An in‑depth conversation about your life plans, goals and current financial position. Ideally, we meet in person in a location that suits you or online if you prefer.

Open laptop displaying data analytics dashboard with graphs and charts, reflecting on a black table.

Second Meeting

We present your personalised cashflow report, show different scenarios and discuss what each choice could mean for your future finances.

A workspace with a spiral-bound blank notebook, black marker, black marker cap, white wireless earbuds, wireless mouse, and a plant in a glass container on a black cutting mat with white grid lines.

Planning Report

You receive a clear, detailed report with your projections, scenarios and recommendations where appropriate.

Typewriter with a sheet of paper that has the word 'Review' typed on it.

Follow Up and Reviews

We meet again to answer questions, agree on next steps and then review your plan every year. If something significant happens between annual reviews, we can meet sooner to update the plan, so it continues to reflect your real life.

Where Ideas Take Shape

We believe in doing things differently - with intention, with passion and with people at the centre of it all. Every detail here reflects that mindset.

Fees & Transparency

Our financial planning service takes a lifestyle financial planning approach to you and your finances. We charge a fee for the time we spend analysing the data you provide us with, preparing a written plan document and presenting that plan to you. This will help you understand your financial position and explore potential options that may suit your needs. The fee to complete the full financial review is €900 plus VAT, which is due upon receiving the financial plan document. Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency, which would be an additional €150 per hour plus VAT.

Our focus is always on providing impartial, client‑first advice, with planning at the heart of everything rather than products.

Let’s Work Together

If you're interested in working with us, complete the form with a few details about yourself and we’ll get back to you shortly.

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