Harvest Financial Services

On July 1st, Harvest Financial Services joined forces with Unio Wealth Management. Together we are on a journey to to create a powerhouse in wealth management and to elevate the level of service and expertise we provide our valued clients. We will be transitioning this page shortly to Unio Wealth Management and look forward to sharing this new chapter with you. Thank you for your continued support and stay tuned for updates.

Exciting News! Harvest join Unio Wealth Management today 1st July. Today, we are delighted to announce we are joining forces with Unio Wealth Management to create a powerhouse in wealth management. Together, we are on a journey that promises to elevate the level of service and expertise we provide our valued clients. By joining Unio, we are enhancing our capabilities allowing us to draw from a wealth of knowledge, experience, and innovative strategies to better serve our clients' diverse needs. We would like to say a big thank you to our clients for their continued trust and support, we are excited about the future and committed to maintaining the highest standards of excellence in everything we do. Gerry Devitt, Managing Director, Harvest Financial Services commented: “It is great to see the business we created over 30 years ago enter a new and exciting phase with Unio Wealth Management. I am confident that the combined resources of the two businesses will deliver even better outcomes for our clients going forward. Onwards and upwards!” Ian Brady, CDir, CFP®, Chief Executive Officer at Unio commented: “I am delighted to welcome the Harvest team to Unio Wealth Management. With the combined knowledge of our growing firm, Harvest and Unio are well-positioned to embark on a new chapter of growth and innovation. We remain dedicated to our mission of guiding, guarding & growing our clients wealth and we are confident that the addition of Harvest will propel us towards achieving our vision.”   Pictured Photo1 L-R: Garry Cullen, Head of Private Clients at Harvest Financial Services; Kate Candon, Chief Marketing Officer at Unio: Terry Devitt, Chief Investment Officer at Harvest Financial Services; Gerry Devitt, Managing Director at Harvest Financial Services; Ian Brady, CEO, at Unio; Linda Harmon, Chief Operating Officer at Unio: Michael O'Sullivan, Director and Strategic Adviser at Unio; and, Áine McGroarty, Chief Commercial Officer at Unio. Photo 2: The Team at Harvest Wealth Management.

Exciting News! Harvest join Unio Wealth Management today 1st July. Today, we are delighted to announce we are joining forces with Unio Wealth Management to create a powerhouse in wealth management. Together, we are on a journey that promises to elevate the level of service and expertise we provide our valued clients. By joining Unio, we are enhancing our capabilities allowing us to draw from a wealth of knowledge, experience, and innovative strategies to better serve our clients' diverse needs. We would like to say a big thank you to our clients for their continued trust and support, we are excited about the future and committed to maintaining the highest standards of excellence in everything we do. Gerry Devitt, Managing Director, Harvest Financial Services commented: “It is great to see the business we created over 30 years ago enter a new and exciting phase with Unio Wealth Management. I am confident that the combined resources of the two businesses will deliver even better outcomes for our clients going forward. Onwards and upwards!” Ian Brady, CDir, CFP®, Chief Executive Officer at Unio commented: “I am delighted to welcome the Harvest team to Unio Wealth Management. With the combined knowledge of our growing firm, Harvest and Unio are well-positioned to embark on a new chapter of growth and innovation. We remain dedicated to our mission of guiding, guarding & growing our clients wealth and we are confident that the addition of Harvest will propel us towards achieving our vision.”   Pictured Photo1 L-R: Garry Cullen, Head of Private Clients at Harvest Financial Services; Kate Candon, Chief Marketing Officer at Unio: Terry Devitt, Chief Investment Officer at Harvest Financial Services; Gerry Devitt, Managing Director at Harvest Financial Services; Ian Brady, CEO, at Unio; Linda Harmon, Chief Operating Officer at Unio: Michael O'Sullivan, Director and Strategic Adviser at Unio; and, Áine McGroarty, Chief Commercial Officer at Unio. Photo 2: The Team at Harvest Wealth Management.

In this month’s market insights Terry Devitt looks forward at the impact of potential interest rate cuts and areas of opportunity for investors. This month’s fund in focus is the Artemis Short Dated Global High Yield Fund. #investing #retirementplanning #finance

In this month’s Market Insights Terry Devitt examines the continuing uncertainty regarding interest rates in the US, and highlights three themes that will influence markets over coming months.  #investing #retirementplanning #finance #markets

In this month’s Market Insights, Terry Devitt highlights key topics in Markets and emphasises the need for Investors to seek well-diversified portfolios built for the long-term, given the current degree of uncertainty and geopolitical risk. This month’s Fund in Focus is Tritax Eurobox Plc, a London Stock Exchange listed property company investing in logistics properties across Europe. #investing #financialadvice #financialplanning #retirementplanning

Today is International Women’s Day and is a welcome opportunity to celebrate the role that women play in our lives and in our businesses. As a Retirement and Financial planning firm we are always cognisant of the challenges that women face in their financial affairs. The Gender Pay Gap The gender pay gap - the differential between the average pay of males and females within an organisation - is estimated at an average of 14% in Ireland (Eurostat). This means that the average woman, even those in leadership positions, will be earning less than male counterparts in a similar role. Longer Life Expectancy According to the Central Statistics Office, women’s life expectancy at birth is 82.8 years, versus 78.4 years for men (Life tables 2010-2012). Women also often tend to retire earlier than their male counterparts. This, coupled with gaps in employment and the gender pay gap, means it is common for women to enter retirement with less saved than men of a similar age. A Different Attitude to Risk While generalising an entire gender’s approach to investment is tricky territory, it is safe to say that a majority of women show preferences that differ from those seen in male investors. Women are more conservative long-term investors than men. Their primary goals revolve around keeping money safe and saving for long term goals, primarily retirement. Risk aversion may be causing many women to miss out on greater long-term returns from their investments. So, what are some ways in which women can position themselves to successfully overcome these challenges? Work with a Retirement or Financial Planning Professional. Developing a flexible, reviewable financial plan will provide you comfort that this aspect of your life is getting the attention it deserves while you focus on your other priorities. Set Balanced Financial Objectives and Goals The first step in developing a financial plan will be to set yourself financial goals for the future. A Financial Planner should be able to help you achieve a balance between short, and long-term financial goals. Start to consider your potential sources of Retirement Income. State Pension – Will you have enough contributions to qualify for the full State Pension (Contributory) when you retire? Existing Pension Funds – If you have a pension from a previous employer do you know how much it is worth? Partners’ Pension Funds -If you are married or have a civil partner do you know how much income their pension will provide in retirement? Returning to Work – If you are returning to work, will you be eligible to join your employer’s pension? Retiring – If you are approaching retirement, do you know how much income your pension is likely to provide you with in retirement? If you have any questions about how we might be able to assist, reach out and we will be happy to help.