Retirement Benefits Choice
Our expert financial advice for upcoming retirees, centres on pension plan retirement options, assessing the most cost-effect ARFs, and Annuities on the market, whilst also addressing your lump sum investment, and life insurance needs, should you so wish.
We our experts in advising pension scheme retirees, and can help you find the most cost- effective and robust financial retirement solutions, offering you both long term security and peace of mind.
Choosing your BEnefits
When faced with the often-difficult decision on how to best tackle your pension scheme retirement options, it can prove confusing.
We can advise you on the purchase an Annuity or the reinvestment in an Approved Retirement Fund (ARF), as well as counselling you on how best to handle your retirement lump-sum and any other financial issues.
Annuity V ARF
If you have a Defined Contribution Pension, (Employer Scheme or Private) then rising interest rates could certainly make an annuity more attractive, but it should be remembered that annuities end on the death of the annuitant, unless a spouse’s pension (up to 50%) or a guaranteed period (up to 10 years) is built in at set up.
Adding a spouse’s pension, guaranteed period, and or inflation protection lowers the original pension payment (annuity). That said, if you want zero risk, with a fixed income an Annuity could best suit you, over an ARF, which involves re-investing your residual retirement fund.
The ARF Route
We have a clearly defined process, where we look at your financial goals, the timeframe involved, access to capital and of utmost importance, your attitude to investment risk.
We will then research the market and offer the most
appropriate and best value ARF investment plan.
Once your lump sum has been invested, our financial relationship continues and we will provide you with regular updates and
annual reviews to ensure your ARF investment is on track with your expectations and continuing needs.
The Annuity Route
If you choose to go the annuity route, we can research the market to ensure your get value for money, meaning the highest
possible regular pension payment in return for your pension pot (post tax-free lump sum).
As you approach retirement, your pension provider will offer you an annuity based on the terms they are prepared to offer at
that time. You are not obliged to accept this deal, but free to shop around for the best rate and option to suit you.
Extensive Reach
We partner all leading life insurers and asset managers operating within in the Republic of Ireland.
Premier Solutions
Our simple approach is all about maximum choice and convenience.
01.
By understanding your position, we develop comprehensive plans to always deliver best value client outcomes.
02.
Our solutions are personally tailored to your needs, and accomplished based on your priorities.
03.
The application process is kept simple and done in a way that best suits you, so there is always full transparency.
04.
We monitor and adjust to your changing needs, and to economic market conditions, with regular reviews.
news & posts
Benefit from our latest financial advisory articles.
Low-cost investment funds offer an immediate advantage, but there is a huge misconception that “Passive Funds” including ETFs are the only low-cost solution. In Ireland,
Bonds held within your pension plan, or investment bond, are usually dependable and typically sit quietly as part of a multi-asset fund, with lower-risk investors
ARF charges will have a huge effect on your ARF investment returns and its long-term value. This ultimate guide to ARF charges and fees is
Pension retirement options are the benefit drawdown choices your pension plan is designed to present once you reach retirement age. Once you reach this stage,
ARF pension solutions are post-retirement investment plans for the investment of your accumulated pension pot. As opposed to using your fund to buy a pension
Get in touch
Schedule your free consultation right now.
OneQuote Financial Brokers,
11 James’s Terrace, Malahide,
Co. Dublin, K36 CV08
One Quote Financial Brokers is regulated by the Central Bank of Ireland no: 459006.
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