Financial Planning

What are your financial goals?

Good financial planning is important for everyone. It’s an ongoing process that involves a full review your current financial status, and making a plan to help you achieve your financial goals in a timeframe that suits you.

Read on to find out more and download our budgeting tool, or take the first step and schedule an appointment with one of our team. 

Financial Planning

Why do I need Financial Planning?

Simply put, financial planning helps you achieve your financial goals​.

This can cover everything you can think of, such as:

  • The deposit for your first home;
  • Financial independence at retirement;
  • Investing intelligently;
  • Paying off your mortgage earlier than planned;
  • Protecting your assets;

Plus, a whole lot more.

As opposed to “hoping” you achieve your goals, our approach to financial planning is to help you prioritise your goals, put a plan in place to achieve them, and review them on a regular basis thereafter.

As all of your finances are connected, we ensure that you don’t just focus on one aspect. For example, when it comes to your family, you may need to think about saving for college, as well as just the deposit for your new home. This keeps you moving in the right direction, across all aspects of your financial planning.

Financial planning is also an important part of minimising your payments to Revenue, so you can make the most of what you earn and move towards achieving your goals more quickly.

Enquire now to speak to one of our experienced team members about how you can start planning to achieve your financial goals.


Financial Planning

Find out the value of financial planning to you and your family.

Financial Planning 101:

How we can help


1. Creating Your Plan

Now is the time to define your goals​, both for the short term and long term. You need to make sure these goals are realistic and achievable…thankfully, that’s where we come in! We’ll work with you to make sure your goals are attainable and put a plan in place to outline how.


2. Revising Your Plan

Once your plan is in place and all your policies are set up to suit your goals, we review them with you on a regular basis. This ensures that your plan continues to match up with your goals, even as they change over time, and ensures that you are on track to achieve them.


3. The End Results

Our end result is help put you in a position to reach all of the goals you have set out to achieve – having an adequate income in retirement, covering college expenses, owning your own home – living the life you set out to live.

What We Do

How We Will Work With You

We Listen

At Symmetry, we meet you at a time and location that suits you to go through all of your financial needs, and help you put a realistic plan in place to achieve your goals.

We Advise

We can provide the financial advice you need – covering every aspect of your finances – and provide you with the resources to set up a roadmap to achieving your goals, that suits you throughout your entire life.

We are here, on hand, at all times throughout each stage of your life, as your goals and financial needs change.

We Provide The Range Of Expertise You Need

Our experienced team cover a wide range of services and we are here to provide you with the expertise you need, whatever your needs.


Top Tips for Financial Planning

Build wealth over time

To build your wealth over time there are a few things to be done:

1. You need to earn it

Before you can save or invest your money, you need to ensure you have a long-term source of income with money left over after your expenses are paid.

2. Pay down expensive debt

Before setting a goal for savings it is important to pay down any expensive debts you may have. This needs to be done to reduce the amount of interest you are paying.

3. You need to save it

Once you have income to cover your expenses with some left over, you need to start a savings plan.

4. You need to invest it

Once you have your monthly savings goal decided, you need to invest it in funds that suit your risk profile.

Set a budget and stick with it

Here are a few steps to help you stick with your budget:

1. Track your spending

Start by using our handy budgeting tool (below) to help you track where your money is going.

2. Have your household help out

Speak to your partner about what works best for the household as a whole, and about where the money is being spent.

3. Choose a budget that suits you

Don’t go overboard on your budget. Keep it nice and simple so it is easy to keep up. Too many restrictions may see you give up on the budget quickly.

4. Leave yourself some wiggle room

One mistake that’s often made is not leaving some money aside for any unexpected expenses that may come up over time. Put aside a small amount each month to avoid over-spending on your budget when the unexpected arises.

5. Track your progress

Continue to use our budgeting tool to track the progress in your budget.

Save first

Your savings should always be the first expense to come out of your account once you have been paid.

This is a good habit to get into as soon as possible to stop you overspending.

Make the most of the available tax breaks

Thousands of people are missing out on tax reliefs and credits each year because the duty to apply for the correct tax relief or credits is on you, the individual, and not on Revenue.

It is always advisable to speak to an accountant to see what you may be able to apply for.

How to Budget

Download our personal budget planner

How much did you spend on petrol last month? How much on groceries? Creche? Gifts?
Getting an overview on your spending is the first step in financial planning. This personal budget planner is free to download and will help you get an overview on how much you are spending each month, and where you might be able to start saving.