GET IN TOUCH
Smart Finance
Bawntaaffe,
Monasterboice,
Drogheda,
Co. Louth.
Tel: +353 41 98 42791
Mob: +353 87 8144104
Email: info@smartfinance.ie
What if you could design and shape your financial future today?
What is 'Holistic Lifestyle Planning' and how it can help you?
Holistic Lifestyle Planning is a comprehensive approach that considers your personal goals and aspirations, and helps you take the steps to make them a reality.
At Smart Finance, we believe each financial journey is unique, and it begins with what matters most to you. Through careful listening, we work to understand your priorities, from everyday needs to long-term dreams, crafting a personalised plan that covers every aspect of your financial wellbeing.
In this approach, you are in the driving seat. Our focus is not on selling products; it is on presenting you with the best options for managing your finances and acheiving your goals by offering unbiased, expert advice based on 30 years of experience.
With Smart Finance, you are the decision-maker and the director of your future, and we are here to support you with insight and expertise. From budgeting and investing to securing your income and preparing plans for the years ahead, Holistic Lifestyle Planning means having a strategy that adapts as life changes—so you can move forward with confidence.
Holistic Lifestyle Planning is a comprehensive approach that considers your personal goals and aspirations, and helps you take the steps to make them a reality. At Smart Finance, we believe each financial journey is unique, and it begins with what matters most to you. Through careful listening, we work to understand your priorities, from everyday needs to long-term dreams, crafting a personalised plan that covers every aspect of your financial wellbeing. In this approach, you are in the driving seat. Our focus is not on selling products; it is on presenting you with the best options for managing your finances and acheiving your goals by offering unbiased, expert advice based on 30 years of experience. With Smart Finance, you are the decision-maker and the director of your future, and we are here to support you with insight and expertise. From budgeting and investing to securing your income and preparing plans for the years ahead, Holistic Lifestyle Planning means having a strategy that adapts as life changes—so you can move forward with confidence.
See how a Holistic Lifestyle Planning can work for you on your terms
Your Holistic Lifestyle Team
Setting the Foundations for Lifelong Success
Embarking on your financial journey can feel thrilling and daunting, especially in your 20s and 30s. This is the ideal time to begin shaping the future you envision by taking a proactive approach to your finances. It is not just about managing money but about aligning your resources with your personal goals, values, and aspirations to create a strong foundation for the years ahead.
Holistic Lifestyle Planning recognises that your path is unique. It is not about rigid formulas or one-size-fits-all solutions. Instead, we take the time to truly understand you—your ambitions, priorities, and current financial situation. Together, we craft a personalised plan that integrates your lifestyle goals with a clear financial strategy, setting a direction for the life you want to lead.
Here’s how Holistic Lifestyle Planning can set you up for success:
1. Creating a Vision for Your Future
Have you considered what you want to achieve in the next few years? Or the milestones you would like to reach in by your 40s and 50s? With our advice, support and ongoing guidance, you can create a financial plan that allows you to pursue both short-term adventures and achieve long-term security.
2. Building Good Habits and Smart Strategies
Establishing solid financial habits now can make all the difference in the future. Together, we will look at budgeting, saving, investing and retirement strategies that fit your lifestyle today and set you up for success. With a financial plan tailored to your goals, you will be prepared for everyday needs and having the confidence to achieve future milestones.
3. Investing in Your Potential
Your whole life is ahead of you, making this a great time to start investing in you and building wealth. We will also guide you through options like investments, savings and pensions plans to help you grow your resources over time and take advantage of compounding returns, making achieving goals like home ownership and financial independence easier.
Pat Matthews
Eoin Matthews
Stage 1
Establish Your Plan
We begin by setting clear expectations for how we will work together. At Smart Finance, we take the time to explain our services and outline our respective responsibilities throughout the planning process. We will discuss how Smart Finance, as your financial planner, will be compensated and agree on the parameters of our professional relationship. Together, we will establish how decisions will be made, creating a transparent and collaborative foundation for your financial journey.
The Six Stages of Holistic Lifestyle Planning
Balancing Today & Tomorrow
In the midst of a busy career and family life, finding the time to plan for the future can be challenging. Smart Finance’s Holistic Lifestyle Planning is designed to help you achieve a balance that meets both immediate needs and long-term goals and ambitions. With a thoughtful, big-picture approach, we will help you manage today’s financial responsibilities - such as saving for a home or managing a mortgage - while securing a future that aligns with your values.
This stage of life is often about managing multiple priorities—from raising children and advancing in your career to securing a family home, funding your children’s education or planning and preparing for retirement. Our holistic approach focuses on understanding your specific needs, ensuring you have a financial strategy that adapts to life’s demands and opportunities.
Here’s how Holistic Lifestyle Planning can make a difference for you:
1. Achieving Clarity and Control
Have you thought about where you want to be in the next 10 or 20 years and what you want to achieve? By taking time to think about and discuss your current financial picture, we will work with you to create a strategy that achieves your goals.
2. Strategic Wealth Building
Now is a critical time to focus on building wealth and securing financial stability. We will help you explore savings and investment options, tax-efficient pension plans, and strategies that maximise your resources and prepare you for the future. With a plan that aligns with your income, expenses, and risk tolerance, we will help you grow your wealth to meet all your immediate and future needs.
3. Planning for Flexibility and Growth
Your financial journey does not have to be set in stone. We understand that life changes and evolves, and so should your financial plan. Whether you are considering a career change, purchasing property, or future travels, our holistic approach provides the flexibility to adjust, ensuring you are always working towards achieving what matters most to you.
Are you ready to take the next step in your unique financial journey?
Mid-Career
Planning a Holistic Retirement
At Smart Finance, we believe that retirement is a journey that starts now and is yours to define, and we are here to support you every step of the way. Our goal is to ensure that you have the resources to live comfortably and pursue the experiences that make retirement a fulfilling and joyful stage of life.
As you approach retirement, you are entering one of the most exciting, yet complex, transitions you will experience in your life. Today’s retirement is not about stepping back, it is about embracing new possibilities and creating a life filled with purpose. Retirement is also about a fresh start, providing an opportunity for you to live with intention, and our approach to Holistic Lifestyle Planning will support you as you take these steps, achieve and live your dreams and look forward to this chapter of your life with confidence and clarity.
Every person’s retirement is unique, and our approach is built around understanding what truly matters to you. For some, this means spending more time with family, focusing on travel, or rediscovering old passions. For others, it is about starting new projects, giving back, or learning something entirely new. Whatever your goals, we will help you craft a financial plan that allows you to pursue what is meaningful to you.
While our goal is to help you secure the lifestyle you envision for your retirement, we will also discuss your legacy and how you would like to preserve this for future generations. We will include a clear and personalised strategy in your financial plan that gives peace of mind and allows you to get on with enjoying your retirement, knowing that you are financially prepared for the years to come.
Here's how Holistic Lifestyle Planning can guide you as you approach and while you are in retirement:
1. Rediscovering Purpose
What excites you as you think about the future? Retirement is no longer seen as an “end” but as a fresh start. This is your chance to do more of what brings you joy, whether that means picking up a new hobby, spending time with loved ones, or setting off on new adventures etc. We will work closely with you to map out the resources you need to make these dreams a reality.
2. Balancing Independence and make new Connections
Retirement can be a wonderful time to nurture important relationships and explore new social circles. As you step away from work, you may find yourself spending more time with family and friends, or even reconnecting with those you have lost touch with. But balancing personal time with time for others is key to feeling fulfilled. We will help you structure your finances so you can pursue meaningful relationships and activities that enhance your life.
3. Planning for Flexibility
In today’s world, many retirees find themselves interested in part-time work, consulting, or volunteering. This flexibility can be both rewarding and financially beneficial. Whether you plan to ease gradually into retirement or jump in fully, we will guide you in creating a flexible financial strategy that adapts to your choices and keeps you open to possibilities.
4. Creating a Legacy for Future Generations
For many, retirement planning also includes thinking about the legacy you will leave for your loved ones behind. Whether the legacy you want to leave means supporting children and grandchildren, contributing to a cause close to your heart, or establishing a family trust, our holistic approach helps you think this through and make thoughtful decisions that secures your legacy and provides lasting meaning.
Preparing for and Post Reretirement
Stage 2
Collect Information
To gain a full understanding of your needs, we will talk to you about your personal lifestyle and financial goals and the time frame for achieving them. We will also collect all the necessary documents and details about your current financial situation, your attitude towards risk etc., to ensure we are both fully prepared for the planning process ahead. By getting to the heart of what matters most to you, we can create a plan that is tailored to your unique circumstances.
Stage 3
Analyse & Evaluate
With all the relevant information in hand, we will analyse your financial status in detail. This step allows us to assess where you are today and determine the actions required to achieve your goals. Together, we will identify any gaps and ensure we have a clear path forward.
GET IN TOUCH
Smart Finance
Bawntaaffe,
Monasterboice,
Drogheda,
Co. Louth
A92 E2V3
Tel: +353 41 984 2791
Mob: +353 87 814 4104
OPENING HOURS
Mon - Fri: 9am - 5:30pm
Saturday: Closed
Sunday: Closed
Stage 4
Develop & Present
Based on the insights from our discussions, we will develop a set of recommendations that directly address your financial objectives. These will be presented to you, making sure you fully understand how each recommendation supports your goals. You are encouraged to ask questions and share your thoughts, allowing us to refine the plan and ensure it meets your needs.
Stage 5
Implement the Plan
Once we agree on the best course of action, we will move into the implementation phase. This may involve coordinating with other professionals, such as accountants or solicitors, to ensure everything is in place. Whether we guide you through each step or act as your advisor throughout the process, we will work together to bring your plan to life.
Stage 6
Monitor & Review
As your life evolves, so should your financial plan. We will agree on how we will monitor your progress toward your goals. If you wish, you can engage us to meet regularly with you, review changes in your situation and make the necessary adjustments to your plan to keep you on track. This ensures that your plan is updated as your life and circumstances change.
Setting the Foundations for Lifelong Success
Early Adulthood
Just starting out in the world? Your future may feel both exciting and a little overwhelming. However, your 20s and 30s are the perfect time to, start thinking about your goals and ambitions, take control of your finances and make decisions that lay down a strong foundation and will benefit you for years to come.
Holistic Lifestyle Planning is not about following a one-size-fits-all approach, and we take the time to sit down with you, talk through and understanding your goals and ambitions and what your current financial picture looks like, and create a plan that aligns your goals, ambitions and finances and set out a roadmap for your life ahead.
Here’s how Holistic Lifestyle Planning can set you up for success:
1. Creating a Vision for Your Future
Have you considered what you want to achieve in the next few years? Or the milestones you would you would like to reach in by your 40s and 50s? With our advice, support and ongoing guidance, you can create a financial plan that allows you to pursue both short-term adventures and achieve long-term security.
2. Building Good Habits and Smart Strategies
Establishing solid financial habits now can make all the difference in the future. Together, we will look at budgeting, saving, investing and retirement strategies that fit your lifestyle today and set you up for success. With a financial plan tailored to your goals, you will be be prepared for everyday needs and having the confidence to achieve future milestones.
3. Investing in Your Potential
Your whole life is ahead of you, making this a great time to start investing in you and building wealth. We will also guide you through options like investments, savings and pensions plans to help you grow your resources over time and take advantage of compounding returns, making achieving goals like home ownership and financial independence easier.