Access to this website and the use of the information contained on it is governed by the disclaimer below.

This disclaimer is important and is for the protection of both Harvest Financial Services Ltd (“HFS”) and its clients. Please take the time to read it carefully. By proceeding further you will be deemed to have accepted the terms and conditions described herein. Please note that references to the website mean HFS’s website.

The website is issued and approved by HFS. HFS is authorised under Regulation 11 of the MiFID Regulations.

This website is intended for access only by clients in the Republic of Ireland. HFS is not authorised to, and does not through this website, offer its services in any other jurisdiction. Accordingly this website does not constitute an offer or solicitation of investment services by HFS in any other jurisdiction or in any circumstances in which such offer would be unlawful or unauthorised.

Information appearing on this website is provided in accordance with and subject to the laws of the Republic of Ireland and the laws of the Republic of Ireland are the laws governing the conduct and operation of this website. The courts of the Republic of Ireland have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connect with this website, the information contained on this website and its use.

The information contained on this website is not intended to be provided to, and should not be used in, any state or jurisdiction where accessing or use or such information is prohibited, whether in the format in which it is presented on this website or otherwise.

The information on this website is updated periodically, however the information contained here should be treated as indicative only. HFS does not make any representation or warranty as to the accuracy or completeness of the contents of this website, or any warranty or representation of any other nature.

For precise real time information you should contact HFS directly. While HFS believes the information posted to this site is correct, this cannot be guaranteed and HFS is not responsible for any inaccurate or incorrect information which is posted for guidance only and should not be relied upon.

HFS assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft, destruction or unauthorised access to, or alteration of entries posted to the site.

HFS is not responsible for any problem or technical malfunction or any telephone network or computer online system, server or provider, computer equipment, software, failure of email on account of technical problems, or traffic congestion on the internet, or at any website, or any combination thereof, injury or damages to visitors or any other persons computer related to or resulting from access to or downloading material from this site.

HFS accepts no liability for any infection by a computer virus, bug, tampering, unauthorised intervention, fraud, technical failure, or any other cause, beyond the control of HFS which corrupts or affects the administration, security, fairness, integrity, or proper conduct of any access of this website.

HFS reserves the right in its sole discretion to cancel, terminate, modify or suspend this website. This website contains facts, views, opinions and recommendations of individuals and organisations deemed by HFS to be of interest to its visitors. HFS gives no guarantee as to the correctness or accuracy thereof, nor does it endorse these views, opinions or recommendations.

None of the information posted on this site is to be taken as constituting investment advice, or as encouragement to purchase or sell any particular investment.

The calculators on this website are based upon calculators built by Irish Life and any assumptions and calculations are provided by Irish Life. They are designed to provide guideline indicators for pension requirements.

Approved Retirement Fund (ARF)

Whether you want the investment flexibility and cost transparency of a self administered ARF or wish to pursue a traditional structure with an insurance company, we will help determine which is the most appropriate for you. An approved retirement fund is a special investment fund which can give you flexibility in terms of how you use your retirement fund. With AMRFs and ARFs you re-invest your pension fund and take the money out when you need it. Any growth within your ARF/AMRF is exempt from tax. You will pay income tax on income drawn down from the ARF/AMRF. You are required to take a minimum of 5% from your ARF annually (6% if the value of the ARF exceeds €2,000,000) once you are over age 60. You can also make withdrawals from the ARF as you need them.
All information contained in this document is correct as at 1st January 2013

Contact Us

Emer Kirk AITI Chartered Tax Advisor (CTA) QFA |  Eoghan Creevey BA QFA, Head of Sales & Marketing

Email : Contact Us Phone : 01 237 5500

Term&Conditions | Privacy Policy | Regulatory       

Harvest is uniquely positioned to provide you with the broadest range of tax efficient pension options. These include self administered arrangements or traditional unit linked funds. Whether you want the investment flexibility and cost transparency of a self administered scheme or wish to pursue a more traditional structure with an insurance company, we will help determine which is the most appropriate.

Emer Kirk AITI Chartered Tax Advisor (CTA) QFA |  Eoghan Creevey BA QFA, Head of Sales & Marketing
Email : Contact Us

Terms&Conditions | Privacy Policy | Regulatory

Gerry Devitt, Managing Director

Our Managing Director, Gerry has 30 years experience in financial services, with a particular focus on retirement planning and investment. A Fellow of the Irish Institute of Pension Managers, he is a regular public speaker on financial issues. Now 50, he is hard at work exploring hair replacement options. Read More →

Terry Devitt, Investment Director

As Investment Director, Terry has responsibility for defining Harvest’s activities on all matters related to investment. In total, Terry has over 25 years experience in the investment industry and is a regular contributor to various newspapers and other publications on topics of investment interest. Read More →

Eugene Foley, Technical & IT Director

Eugene is a Fellow of the Irish Institute of Pensions Managers, an approved Pensioneer Trustee and acting chairman of the Association of Pension Trustees of Ireland. Eugene is Technical and IT Director of Harvest Financial Services Ltd, and the Managing Director of our associate company Harvest Trustees Ltd. Read More →

Hugh Raftery, Finance Director

Hugh joined Harvest in 2004 and became financial controller in 2007. He was appointed to the board as Finance Director 2009. In 2012, Hugh’s responsibilities were expanded to include Head of Risk. Having studied in Dublin and Southampton, Hugh has 15 years experience as a senior manager. Read More →

Harley Murphy, Non-Executive Director

Harley has more than 35 years experience in the financial services sector. He was Country Head for BNY Mellon in Ireland until September 2008. Harley had previously spent two years with Mellon as Regional Head for Scotland and also spent time in Melbourne. Read More →

Term&Conditions | Privacy Policy | Regulatory                       Harvest Financial Services Ltd is regulated by the Central Bank of Ireland

Please note that when you access and use this web site you do so subject to the terms and conditions of use set out below. Please read these terms and conditions carefully and do not proceed any further if you are unwilling to accept them.

Information contained in this site is governed by the laws of Ireland. By accessing and using these pages you accept the laws of Ireland as the law governing the conduct and operation of this web site and the jurisdiction of the Irish Courts.

While Harvest Financial and its contractors have taken care to ensure the accuracy and completeness of information within these pages, visitors to this site are advised that reliance on the information contained within this site is at their sole risk and should take professional advice before acting.

The information contained within these pages is subject to change and will be updated from time to time. It should be noted that web sites have, in the past, been tampered with by unauthorised persons and, accordingly, visitors should view the information provided as indicative only and subject to later confirmation.

Neither Harvest Financial nor its contractors accept any liability for any loss or damage howsoever arising as a result of use of or reliance on information contained within this site

Where details are given in respect of the Harvest Financial Product range it should be noted that this is merely given for information purposes only and does not constitute an offer by Harvest Financial to any visitor to this site.

Anyone communicating with Harvest Financial using the Internet should be aware of the possibility that unauthorised persons may intercept any such email communications. In the light of this possibility, confidentiality of information transmitted in this way cannot be guaranteed.

In order to process your request for a preliminary quotation, we may need, where it is considered necessary, to provide information concerning this transaction to any company within the Harvest Financial Group (a financial services group principally comprising Life Assurance and Personal Finance companies) or to a credit reference agency. In addition, we may hold and process information in connection with this request and may hold and process same for administrative, customer care and service purposes. By proceeding with the application you will be deemed to have accepted this condition. Top

The design and content of these pages is the copyright of Harvest Financial and may not be utilised, except for information purposes, without the prior consent of Harvest Financial.

Access to and use of the Harvest Financial website is at the user’s own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

We are Harvest Financial Services Limited and Harvest Trustees Limited. We may be contacted at our registered office Block 3, The Oval Building, Shelbourne Road, Ballsbridge, Dublin 4, by e-mail info@harvest-financial.ie or by telephone 01 2375500. We at Harvest Financial Services Limited and Harvest Trustees Limited respect your right to privacy and comply with our obligations under the Data Protection Act 1988 and 2003. The purpose of this Privacy Statement is to outline how we collect and deal with any personal data you provide to us while visiting this website. Naturally, if you are not happy with this Privacy Statement, you should not use this website.

By visiting this website, you are accepting the terms of this Privacy Statement. Any external links to other websites are clearly identifiable as such, and we are not responsible for the content or the privacy policies of these other websites. Different terms and conditions may apply to such websites, and such websites may not maintain the same standards of privacy as this website. Types of Information Collected: We retain two types of information:

Personal Data

This is the data that identifies you or can be used to identify or contact you and may include your name, address, telephone numbers, e-mail addresses and date of birth. This information is only collected from you if you voluntarily submit it to us, and we will always inform you of the reasons why we request your Personal Data. Non-Personal Data Similar to most websites, we gather statistical and other analytical information collected on an aggregate basis on all visitors to our website. This Non-Personal Data comprises information that cannot be used to identify or contact you, such as demographic information regarding, for example, user IP addresses where they have been clipped or anonymised, browser types and other anonymous statistical data involving the use of our website.

Purposes for which we hold your Information:

Personal Data
We will process any Personal Data you provide to us for the following purposes:
• To provide you with information about the products and services of Harvest Financial Services Limited and Harvest Trustees Limited.
• To contact you if required in connection with your account or enquiry and to respond to any communications you might send us.
• To process on-line application forms submitted to us for the purposes of providing financial product. Any applications submitted on-line or by e-mail will be subject to the same terms and conditions as those completed by hand in paper form including additional terms and conditions relating to credit reference checking, money laundering and regulatory notices.

Non-Personal Data

We use the Non-Personal Data gathered from visitors to our website in an aggregate form to get a better understanding of where our visitors come from and to help us better design and organise our website. Disclosure of Information to Third Parties: We may provide Non-Personal Data to third parties, where such information is combined with similar information collected from other users of our website. For example, we might inform third parties regarding the number of unique users who visit our website, the demographic breakdown of our community users of the website, or the activities that visitors to our website engage in while on our website. The third parties to which we provide this information may include our website design, development and hosting contractors. We will not disclose your Personal Data to third parties unless you have consented to this disclosure or unless the third party is required in order to process an application or other communication from you or to perform the services that you have applied for. We will however disclose your Personal Data if we believe in good faith that we are required to disclose it in order to comply with any applicable law, a summons, a search warrant, a court or regulatory order, or other statutory requirement.

Sale of Business:

We reserve the right to transfer information (including your Personal Data) to a third party in the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of Harvest Financial Services Limited and Harvest Trustees Limited provided that the third party agrees to adhere to the terms of this Privacy Statement and provided that the third party only uses your Personal Data for the purposes that you provided it to us. You will be notified in the event of any such transfer and you will be afforded an opportunity to opt-out.

Security:

Your Personal Data is held on secure servers hosted by our Internet Service Provider. We take our responsibilities in relation to the security of your Personal Data very seriously. The nature of the Internet is such that we cannot guarantee or warrant the security of any information you transmit to us via the Internet. No data transmission over the Internet can be guaranteed to be 100% secure. However, we will take all reasonable steps (including appropriate technical and organisational measures) to protect your Personal Data and we will review these measures regularly. Updating, Verifying and Deleting Personal Data: You may inform us of any changes in your Personal Data and, in accordance with our obligations under the Data Protection Acts 1988 and 2003; we will update or delete your Personal Data accordingly. To find out what Personal Data we hold on you, please e-mail us at info@harvest-financial.i.e . Any such requests may be subject to a prescribed fee, which will not exceed €6.35, and we will reply to you within 40 days.
To have your Personal Data rectified (if it is inaccurate) or erased (if we do not have a legitimate reason to hold your Personal Data) please e-mail us at info@harvest-financial.i.e. We will comply with a request to rectify your Personal Data (if it is inaccurate) or erase your Personal Data (if we do not have a legitimate reason to hold it) within 40 days of receiving such a request from you. You can ask us at any time to stop or change the methods by which we send you marketing materials. This can be done, free of charge, by writing to the Compliance Manager, Harvest Financial Services Limited, Block 3, The Oval Building, Shelbourne Road, Ballsbridge, Dublin 4.

Changes to the Website Privacy Statement:

Any changes to this Privacy Statement will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstance, if any, we disclose it. If at any time we decide to use Personal Data in a manner significantly different from that stated in this Privacy Statement, or otherwise disclosed to you at the time it was collected, we will notify you by e-mail, and you will have a choice as to whether we use your information in the new manner.

Pillar 3 of the Capital Requirement Directive (CRD) requires firms to make certain disclosures in relation to their risk management activities and allocation of capital.

Risk management in Harvest is a continuous and developing process which runs through the organisation and all its activities. It aims to methodically address all the risks surrounding the organisation’s activities, past, present and particularly in the future. The Board of Directors of Harvest recognises its obligations and responsibility for protecting the organisation, its clients, employees, assets and profits against the adverse consequences of risk.

The Board of Directors is responsible for determining the firm’s strategy, approving the firm’s business plans, reviewing operational performance, determining authority levels and the firm’s policies, ensuring adequate funding, and approving developments within the firm. It assumes overall responsibility for monitoring, identification and evaluation of risk management performance, and for providing control measures for the firm’s management to implement.

The board considers the firm’s risk to fall into the following broad categories: Commercial, Market, Credit, Operational, Concentration, Economic, Reputation, Compliance and Legal. The management of the firm applies various measures to mitigate against these risks, as it sees fit. The detail of these measures is regarded as proprietary to the firm.

The Board has delegated responsibility for the implementation and review of the risk policy to the Risk Committee. The Risk Committee assess the firm’s exposures to risk and makes recommendations to the Board at least annually or when there is a material change in the firm’s activities. The Risk Committee monitors the impact on the firm of the identified risk criteria and recommends adjustments to the firms risk appetite as appropriate.

The risk management policy is reviewed annually as part of the Internal Capital Adequacy Assessment Process (ICAAP) as determined by the CRD. The board of directors of Harvest confirms that the ICAAP for 2012 has been completed. The firm at all times maintains capital in excess of regulatory minimum requirements. The firm calculates minimum capital for operational risk in accordance with the basic indicator approach.

The firm declines to provide a detailed disclosure of Own Funds as it deems this information to be proprietary in nature.

Board of Directors Harvest Financial Services Ltd June 2012

Eugene has extensive experience of the pensions industry having worked in administrative, sales, consultancy and directorship roles since joining Irish Life over 30 years ago. He is a Fellow of the Irish Institute of Pensions Managers, a Revenue Commissioner appointed Pensioner Trustee and acts as Trustee to many corporate and self-administered schemes (all facilitated through Harvest Trustees Ltd). Eugene is currently Chairman of the Association of Pension Trustees of Ireland, the representative body of professional pension trustees in Ireland and our representative to the Irish Association of Pension Funds. He is also Managing Director of our associate company Harvest Trustees Limited. Back →

As Investment Director, Terry has responsibility for defining Harvest’s activities on all matters related to investment. In total, Terry has over 25 years experience in the investment industry and is a regular contributor to various newspapers and other publications on topics of investment interest. Terry joined the firm following a number of years working as an investment analyst with NCB Stockbrokers. Prior to that, he worked as an economic analyst with the Government. When he is not investment directing, Terry can be found walking in the Wicklow mountains or out on the course beating his sons at golf.

Back →

Harley has more than 35 years experience in the financial services sector. He was Country Head for BNY Mellon in Ireland until September 2008. Harley had previously spent two years with Mellon as Regional Head for Scotland and also spent time in Melbourne. Until 1999, Harley had been a Senior Vice-President with ABN AMRO working as a career expat in Asia and Europe for 12 years. He is a qualified accountant and holds a Masters from Smurfit UCD. Harley enjoys travelling in his free time, particularly visiting his children and grandkids in London and Melbourne.

Back →

Cookies Policy

Harvest respects the privacy of all visitors to our website. This Cookie Policy outlines our policy concerning the use of cookies on harvestfinancial.ie

We may update our Cookie Policy from time to time to reflect any changes in technology or legislation which may affect the way in which cookies are used by us and how you as a user, can manage them.

What are cookies?

Cookies are small text files sent from a website and stored in the user’s web browser while user is browsing a website.

When users visit the same website again, the browser sends cookies back to the website allowing the website to recognise the user and remember things like personalised details or preferences.

More information about cookies and details of how to manage or disable them can be found on www.aboutcookies.org

Types of Cookies

Session cookies only last for the duration of your visit to the website, and are deleted when you close your browser.

How do Harvest use Cookies?

Harvest use “session” cookies to collect information about visitors’ use of the website, including things like connection speed, operating system, and time and duration of visits. This information is used on an aggregate, and not an individual, basis to help provide visitors with a better experience of our website.

Harvest will not personally identify visitors and will not use cookies to contact you. We are committed to respecting your privacy at all times.

Cookies do not in any way compromise the security of your computer. You can continue to use this website with no loss of functionality if you choose to disable cookies on your computer.

For more information, please visit: www.aboutcookies.org

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Welcome to Harvest Financial Services Limited, one of Ireland’s leading financial advisory firms. Wholly owned by its management, Harvest has been trading since 1993 and now employs over 50 highly qualified staff. Assets under administration now exceed €800 million on behalf of pension funds, private individuals, corporations and charities. Non-aligned with any third party institution, we can bring the whole world of investment opportunity to our clients. Occasionally, where we cannot source the appropriate investment to meet client needs from the market, we will develop an in-house structure that brings the opportunity to our clients. Harvest is primarily a fee-based advisory firm and cost transparency is at the core of everything we do. Furthermore, wherever possible, we involve the client directly in the investment process, ensuring that funds only go where you want them to go.

Term&Conditions | Privacy Policy | Regulatory Registered in Ireland No.137567. Registered Office: Block 3, The Oval Building, Shelbourne Road, Dublin 4.

Terms&Conditions | Privacy Policy | Regulatory

Terms&Conditions | Privacy Policy | Regulatory                       Registered in Ireland No.137567. Registered Office: Block 3, The Oval Building, Shelbourne Road, Dublin 4.

Term&Conditions | Privacy Policy | Regulatory

Important Note: Please note that the provision of this product or service does not require licensing, authorisation, or regulation with the Central Bank of Ireland and, as a result, it is not covered by the Central Bank of Ireland’s requirements designed to protect consumers or by a statutory compensation scheme.

Contact Us

Terms&Conditions | Privacy Policy | Regulatory

Term&Conditions | Privacy Policy | Regulatory                  Registered in Ireland No.137567. Registered Office: Block 3, The Oval Building, Shelbourne Road, Dublin 4.

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