Financial Planning

HomeFinancial Planning

Halpin Wealth and Mortgages

One Relationship. Every Financial Decision.

One adviser. One relationship. Every financial decision from protection to pensions to property handled in one place.

Book a Free Financial Review

A different approach to financial planning

Most people don't have a financial plan. They have a collection of financial products. A pension here, a mortgage there, a life policy they took out years ago and haven't looked at since. At HWM, we take a different approach.

We start with where you are today

We start by understanding where you are today. Your income, your assets, your protection, your goals. Then we build a clear, practical plan that puts every part of your financial life in the right order and keeps it there as your life changes.

Why HWM

One AdvisorSame person from first meeting to ongoing review
Fully RegulatedRegulated by the Central Bank of Ireland
Expert AdviceQualified advisors with experience across all areas
Ongoing ReviewsYour plan evolves as your life changes

The Full Picture

What a Financial Review Covers

We look at your finances as a whole. Not one product in isolation, but every area together so nothing falls through the gaps.

A financial review starts with understanding your full situation. Where your money is, what protection you have in place, what your pension looks like, and what your goals are. From there we identify the gaps, the priorities, and the opportunities, and build a plan that covers all of it.

Protection

  • Life assurance, lump sum cover for your family
  • Specified illness cover, tax-free lump sum on diagnosis
  • Income protection, replacing your salary if you cannot work
  • Mortgage protection, ensuring your home is paid off
  • Keyperson and business protection

Pensions & Retirement

  • Building your pension as tax-efficiently as possible
  • Reviewing old employer pension schemes
  • Personal Pensions, PRSAs, PRBs and ARFs
  • Planning your transition out of full-time work
  • Drawing your retirement income efficiently

Savings & Investments

  • Lump sum investments and regular savings plans
  • Investment bonds for medium and long-term savings
  • Diversified investment funds across risk profiles
  • Education savings and goal-based investing
  • Child benefit investment

Tax-Efficient Planning

  • Maximising pension tax relief
  • Tax-efficient investment wrappers
  • Succession and estate planning considerations
  • Structuring income and assets efficiently

Business Owner Planning

  • Company pension schemes
  • Company income protection and serious illness cover
  • Keyperson and shareholder protection
  • Corporate investment of retained profits
  • Succession and exit planning

Redundancy Planning

  • Tax treatment of your redundancy payment
  • What to do with your employer pension
  • Investing your lump sum tax-efficiently
  • Mortgage review if your income has changed

The Process

What to Expect at a Financial Review

01

Book Appointment

Schedule a free, no-obligation consultation at a time that suits you.

02

Complete Questionnaire

Share your financial goals and current situation so we can prepare.

03

Discovery Meeting

We sit down together to understand your needs and explore your options.

04

Receive Review

Get a personalised recommendation with a clear plan for your future.

Book Your Free Consultation

What Our Clients Say

Google Reviews

  • Sam helped guide and advise me though my pension contributions in order to maximise my return on retirement. It was... read more

    Siobhán McCarthy Avatar Siobhán M.
    May 13, 2024

    Halpin wealth management ,could not be more helpfull and friendly making it easy to deal with them ,sheila madden really... read more

    Robert Collins Avatar Robert C.
    July 28, 2025

    Everyone was so helpful and friendly. Gave me brilliant advise and guidance. Highly recommend working with them. A great experience.

    Catherine Hayes Avatar Catherine H.
    October 13, 2024

  • Very friendly and professional service. Quick to respond with any queries I had and helped to simplify the process.

    Cathal Gallagher Avatar Cathal G.
    October 13, 2024

    I had a great experience with Drury, who guided me on managing pensions, savings and investments. He was very knowledgeable... read more

    Kate O'Keeffe Avatar Kate O.
    May 10, 2025

    Highly recommended, truly customer- focused financial advisers. Very good communication and clear explanation to all the queries from all. I... read more

    Katarzyna Gortat Avatar Katarzyna G.
    June 27, 2025

  • Great professional service from all the team, very pro-active and informative.

    Cian Holden Avatar Cian H.
    May 13, 2024

    Had a brilliant experience of working with Drury at HWM. Highly recommend him if you’re looking for expert knowledge and... read more

    Tom Barwick Avatar Tom B.
    May 8, 2025

    I couldn’t recommend HWM more highly. After years of putting it off, my husband and I decided it was time... read more

    Nina Avatar Nina
    May 9, 2025

Book a no-obligation financial review

See where you actually stand and what a proper financial plan could do for you.

Book Your Free Review

Got Questions?

Frequently Asked Questions

Financial planning is the process of looking at every area of your financial life together and creating a clear strategy. Most people have financial products but not a financial plan. If you have dependants, a mortgage, a pension, or assets, a proper plan will almost always improve your position.
Before we meet, we ask you to fill out a fact find form so we can prepare properly. At the meeting itself we talk through your current situation, what you have in place, what you are trying to achieve, and any concerns you have. From there we identify the gaps and priorities and explain clearly what we would recommend and why. Most first reviews take about an hour.
A fact find is a form we send you before your review. It captures your full financial picture including your income, assets, liabilities, existing policies, and goals. Filling it in before we meet means we can use the time together more productively, rather than spending the meeting gathering basic information.
Both. We are based in Douglas, Cork and meet clients in person regularly. We also meet clients across Ireland via video call. Whichever works best for you is fine with us.
The initial financial review is free and carries no obligation. If you proceed with our recommendations, fees depend on the products and services involved. We will always be upfront about costs before you commit to anything.
Almost certainly yes. Having products in place is not the same as having a plan. We regularly find that existing policies are unsuitable, overpriced, or simply not doing what the client thinks. A review costs nothing and often uncovers significant opportunities.
Yes, and this is exactly where we add the most value. Most advisors specialise in one area. HWM covers the full range: pensions, protection, savings, investments, and mortgages. Your plan is joined up rather than a collection of unconnected products from different providers.
Yes. Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. Our registration number is 705667. You can verify this on the Central Bank register at registers.centralbank.ie.

Also of Interest

Our Other Services

We cover every area of your financial life. Explore our other services below.

Protection
Find Out More →
Retirement Planning
Find Out More →
Savings & Investments
Find Out More →
Mortgages
Find Out More →

I

The hardest step is picking up the phone.

Most people who come to us wish they had done it sooner. Book a free, no-obligation review and see where you actually stand.

Book a Free Financial Review Call 021 203 2090

Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. These pages are for information purposes only and do not constitute financial advice.
Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.