Our Remuneration
We, Hegarty Financial Management Ltd act as an intermediary between you, the consumer, and the product
provider with whom we place your business.

The Background
Pursuant to provision 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer
Protection Code, all intermediaries, must make available in their public offices, or on their website if they
have one, a summary of the details of all arrangements for any fee, commission, other reward or
remuneration provided to the intermediary which it has agreed with its product producers.

What is commission?
For the purpose of this document, remuneration is the payment earned by the intermediary for work
undertaken on behalf of both the provider and the consumer. The amount of remuneration is generally
directly related to the value of the products sold.

We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approaches taken by product providers in terms of them integrating sustainability risks into their product offerings. This will form part of our analysis for choosing a product provider.

There are different types of remuneration/commission models and details information with regards to the remuneration terms that we currently are in receipt of from each provider/institution that we deal with this can be viewed by clicking on the following link: Remuneration Terms Document