Pension Planning
Best Value Pension Plans
Best value pension plans, are those that offer you the right underlying investment options (aligned to risk and ESG preference), coupled with the lowest investment
16/03/2023
Upcoming Retirees
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.
Retirement Ready
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.
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.
Best value pension plans, are those that offer you the right underlying investment options (aligned to risk and ESG preference), coupled with the lowest investment
The current Health Service Executive Sick Leave Scheme was introduced on 31st March 2014 and provides employees who are absent on sick leave up to
ARF Costs 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.
One Quote Financial Brokers,
11 James’s Terrace, Malahide,
Co. Dublin, K36 CV08
One Quote Financial Brokers Ltd t/a One Quote is regulated by the Central Bank of Ireland no: 459006.
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