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Financial Transition

"I found myself in situation where I was leaving my former employer.  Harmonics Financial provided me with excellent financial advice and I find the on-going support and investment advice incredibly rewarding."

Our Financial Transition Programme helps your employees to make the right decision as to whether they should leave or stay with the company by giving them a clearer picture of what I means from a financial perspective.

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Financial Transition Programme

1 | Income Pre and Post leaving service
Providing staff with a model to enable them to compare their income vs. expenses now with their post employment income and devising a plan to help  reduce expenses.

2 | Investment Lump Sums
What to do with it and options are open to you?

3 | Loan repayment options
Should you use your lump sum to pay off your mortgage and any other debts

4 | Social Welfare Entitlements
How to claim job seekers benefit and what you are entitled  to.

5 | Tax Advice on Lump Sum Severance Payments
We advise individuals in relation to their three options (basic exemption, increased exemption and SCSB).
We go through the figures in detail with each employee and show how their net payment figure was calculated.
We also advise on the consequences of waiving their future tax free lump sum (which has a significant bearing on their final decision) and whether to waive it or not.

6 | Pension Options
We advise those leaving service what their pension options are and go through each of these options with them. 
For those who choose to waive their tax free lump sum, we help them understand what impact this has on their pension fund post-employment.

Programme Outcomes

Informed Decision

Confidence and Clarity






More aware of tax and welfare entitlements

Helps employees navigate the complex options available
Control of Financial Future

Safe-guards against future financial difficulty
Harmonics Financial Ltd., Registered Office Mary Rosse Centre, Holland Road, National Technology Park, Limerick. Directors: Liam Croke QFA BBA LIAM, John Fitzgerald
Incorporated in the Republic of Ireland, Central Bank of Ireland No: C86227. CRO No: 481477
Harmonics Financial Ltd. is regulated by the Central Bank of Ireland.


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  • Home
  • Financial Wellness Programmes
    • Executive Financial Planning
    • Employee Financial Support
    • Financial Transition Programme
    • One-to-one clinics
    • Financial Awareness Seminars
    • My-Money
  • The Impact Factor (TM)
  • About
  • Testimonials
  • Media
    • Blog
  • Contact
  • Why Financial Wellness
  • Financial Skills Gap