Bluewater Financial Planning

"Highly recommended! Its hard to find an independent financial advisor who can provide in-depth and useful information in Ireland but BFP is one of them. Steven has been absolutely phenomenal and I have recommended him to a number of people. He has answered questions that I've had on numerous different areas in our finances, always had time for me, his rates are fair and affordable and he's definitely saved us money in the long run. I can recommend him highly to anyone looking to improve their financial situation."

"BFP and Steven were instrumental in helping rationalize our pension structures after making sure he understood our goals. Knowledgeable and excellent range of services at a reasonable cost, with good advice and always available if you need to talk through something. Highly recommended."

"I wanted to do some lifestyle financial planning, reduce my mortgage term, and ensure my pension was adequately funded. Steven was recommended to me by a business contact and I'm very happy that I went to him. I've found him to be knowledgeable, approachable, professional, objective, capable, honest, adaptable, and patient. Following his process over the last 6 months has already produced solid results and has helped me to develop the confidence that I can build good financial habits and achieve everything that I would like to. In a relatively short space of time Steven: 1) did a comprehensive review of my assets, liabilities, and cash flows 2) encouraged me to identify short and long term priorities. Examples are funding hobbies and holidays, replacing my car, reducing my mortgage term, and ensuring my pension is well funded 3) recommended immediate changes to my pension to diversify risk without sacrificing performance 4) recommended immediate changes to my cash flow to close out expensive loans and but me in a better position to achieve mid- and long-term goals 5) set up a structured reminder system to keep me focused on key financial disciplines. This is helping me to better manage cash flows and replace bad habits with good ones 6) developed a financial plan that balances all my priorities and shows - if I do what the plan says - what my financial position will look like every year 7) provided a structured spreadsheet to help me account for and balance cash inflows and outflows on an ongoing basis 8) provides ongoing advice and feedback, and explains all the options in an easy to understand and stress-free way without forcing anything on me Without Steven I would never have had the motivation or ability to achieve all these things, and I look forward to continuing the work with him into the future. My mind is so much more at ease now Steven, thanks. Highly recommended."

"Bluewater FP provides a great service. Steven makes the sometimes daunting task of financial planning accessible and straightforward. His affable manner combined with knowledge and experience put me at ease straight away. I sought investment advise and he was able to take on board my needs and personal circumstances, provide a number of options and recommendations in as much detail as I required. I came away with a decent understanding of how to be efficient with investing in terms of fees and which options best suited me. I never felt pressured or pushed in any particular direction. The whole experience was relaxed yet thorough, friendly yet professional. I would not hesitate in recommending Steven to my friends or family for similar services / advice."

"I was looking for some advice on my pension and Steven was recommended to me. The first thing he did was ask about me and what I wanted to do when I retired and how much it would cost to do everything I wanted to do. He then worked out how much I need to put into my pension between now and my retirement so I can do everything I want when I retire. We meet regularly and Steven updates me on whether I am still on track to being able to do everything I want to and we make adjustments. I have no hesitation in recommending Steven to others looking for good financial advice. Thanks for everything Steven. Rob."