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WELCOME TO
CEDARHILL
Financial Planning
Pensions
Protection
Investments
Mortgages
“
At Cedarhill, we have a clear defined process that helps us
understand your goals and objectives so that we can plan
for things that really matter to you
”
1
Our Culture & Philosophy
At Cedarhill, we listen, we research, we recommend, we implement
and we review with you on an on-going basis so that your financial plan
constantly adapts to your changing financial requirements.
Cedarhill’s Approach vs Traditional Approach
Product
Providers
Client
Traditional
Broker
Cedarhill
Financial
Thinking
Customer
Product
Providers
We will work with you to ensure we help you achieve your financial goals.
2
we listen
We discuss your current financial situation in detail with you. We ask you to
complete a Financial Profile as well as a Risk Tolerance Profile to help us get a
better insight of your financial circumstances and outlook.
we research
Based on what we discuss and with your agreement, we decide the best
course of action for you and research all of the options open to you that meet
your requirements.
we recommend
Once a plan is agreed, we provide you with a detailed written report that
provides you with a summary of your needs and objectives and the
associated challenges in achieving your objectives. We outline our
recommendations which we believe offer you the best chance of achieving
your objectives.
we implement
After you have decided which recommendations you wish to proceed with,
we will implement these on your behalf.
we review
Your Financial Plan changes as your life changes and is always a “work-inprogress”. We carry out regular reviews (at least annually) to ensure that your
current plan remains fit for purpose.
3
Your Goals
We understand that your goals are unique to
you. We spend time discussing your goals with
you to ensure that we take them into account
in your overall financial plan.
Buying a
home
Future
Financial
Planning
PensionPost
Retirement
Purchase a
Business
Premises
YOUR
GOALS
PensionPre
Retirement
Managing
your Wealth
Protect your
Business
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Remortgage
House
Protect your
family,
home and
assets
Our Services
At Cedarhill, we provide a broad range of financial services to individuals and to businesses
incorporating the following:
Mortgages
Savings &
Investments
Protection
 First Time Buyers
 Personal Deposits
 Life Cover
 Moving House
 Business Deposits
 Critical Illness
 Buy-To-Let
 Investment Funds
 Income Protection
 Commercial Finance
 Shares
 Business Insurance
 Bonds
 Key Man Policies
 Property
 Alternatives
Pensions –
Pre Retirement
Pensions –
Post Retirement
 PRSAs
 Annuities
 Personal Protection
 Approved
Retirement Funds
 Occupational
Pensions
 Self Administered
Pensions
 Personal Retirement
Bonds
 Approved
Mandatory
Retirement Funds
Financial
Planning
 Understanding
Your Circumstances
 Setting
Financial Goals
 Devising a
Plan
 Inheritance Tax
Planning
 AVCs
At Cedarhill, we believe in the benefits of long term financial planning and encourage all of
our clients to allocate suﬃcient time to complete this important step in the process.
We provide high quality independent and professional financial advice on a wide range of
products and services.
Our team is fully committed to working with you to identify and fulfil your unique financial
objectives.
5
We aim to provide our customers with the best
possible advice and service available.
“
The first step towards
getting somewhere is to
decide that you are not
going to stay where you
are
JP Morgan
”
6
Our People – Bios
Fergal O’Leary
Trevor Grant
Cormac Sheehy
Fergal is responsible for Cedarhill’s
Pensions and Investment business. He
holds a Master’s of Science in Investment
& Treasury from Dublin City University and
an Economics undergraduate degree from
University College Dublin. He also holds an
Accredited Product Adviser (APA) status
for Pensions, Loans, Life Assurance as well
as Savings & Investments.
Trevor is responsible for Cedarhill’s
Mortgage, Protection and Insurance
business. He is an honours graduate
of University College Dublin and The
Dublin Institute of Technology. He is also
a Qualiﬁed Financial Advisor, Personal
Insolvency Practitioner and holds an
APA in General Insurance and Debt
Management.
Over his 20-plus year career, Fergal cofounded Glas Securities, a ﬁxed income
investment ﬁrm, and previously worked
for Citigroup in Ireland as well as Lehman
Brothers in London, ABN Amro and Riada
Stockbrokers.
Throughout his career Trevor founded and
has held senior positions in a number of
Ireland’s leading mortgage and protection
brokerages. He is currently the Chairman
of the Association of Expert Mortgage
Advisors.
Cormac is a Senior Financial Adviser
with Cedarhill, with responsibility for
developing our business in the Midlands
region. He is a graduate of the Institute of
Technology in Sligo and has a number of
years’ experience working with ﬁnancial
advisory companies, most recently with
Irish Life. He has managed a large client
base specialising in protection, pensions
and investments. He previously worked for
Cornmarket Group.
Bettyann Keogh
Ciara O’Brien
Stanislawa Krzysztoﬁnska
Bettyann is responsible for managing
Cedarhill’s compliance function. She is
an honours graduate of the University of
Limerick, an APA in Life Assurance, Loans
and Pensions and holds the Professional
Certiﬁcate in Residential Mortgage Arrears.
Ciara is responsible for the day to day
management of our mortgage business.
She is a Business Studies graduate of
Dublin Institute of Technology. Ciara
has over 13 years’ experience working
in the ﬁnancial sector in relationship
management roles including mortgage
broker accounts.
Stasia is employed with Cedarhill as an
administrator. She holds a Masters in
German from Jagiellonian University
in Krakow, Poland and has the Pitman
Training PA Diploma. Stasia previously
worked for Let’s Talk Finance. She is
presently studying to become a QFA.
She is a current member of the LIA and the
Association of Compliance Oﬃcers in Ireland.
Cormac is currently completing a
Professional Diploma in Financial Advice.
7
Our Commitment to You
At Cedarhill, everything we do revolves around you and your financial goals and how we can
give you the best chance of achieving those goals.
“
Planning is bringing the
future into the present so
that you can do something
about it now
”
Our clients are our most valuable asset so we continuously strive to improve
how we communicate and interact with you. Our Service Level Agreements,
Statements of Suitability and Transparent Charging Structure are all part of
our commitment to deliver a service that we believe will meet and hopefully
exceed your expectations.
We look forward to working with you.
Carmichael House
60 Lower Baggot Street
Dublin 2
Phone
01 602 4700
Email
[email protected]
Website www.cedarhill.ie
Cedarhill Financial Thinking Limited is regulated by the Central Bank of Ireland
Registered in the Republic of Ireland No. 546092
Registered Office: Carmichael House, 60 Lower Baggot Street, Dublin 2
Directors: Fergal O’Leary, Trevor Grant. Company Secretary: Fergal O’Leary