Our retirement ready clients, are those either approaching or have recently taken retirement. Our expert financial advice centers on pension scheme retirement options, whilst also addressing your lump sum investment and life insurance needs.
We have been advising retirees for over 15 years and can help you find the most cost- effective and robust financial solutions, offering you long term security and peace of mind.
When faced with the often-difficult decision on how to best tackle your pension scheme retirement options, it can prove confusing.
Should you purchase an Annuity or reinvest in an Approved Retirement Fund (ARF). Before, reaching this particularly important long-term decision, getting expert financial guidance is crucial and so too is choosing the right financial advisor.
Annuity V ARF
If on the underhand, you have a Defined Contribution Pension, (Employer Scheme or Private) then rising interest 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). So, again, careful individual assessment and expert financial guidance is needed here.
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 investment is on track with your expectations.
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.
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; you are free to shop around for the best rate and option for you.
We partner all leading life insurers and asset managers operating within in the Republic of Ireland.
Our simple approach is all about maximum choice and convenience.
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