Retirement Benefits Choice
Our specialist financial advice for upcoming retirees, centres on pension retirement options, assessing the most cost-effect ARFs, and Annuities on the Irish market, whilst also addressing your lump sum investment needs.
We our experts in advising retirees, from all occupations, as well the self-employed including Solicitors, Barristers and GPs. We can help you find the most cost- effective and robust financial retirement solutions, offering you better 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, 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 those who are risk adverse.
The other option after taking your tax-free lump sum is to invest in an ARF, which carries a level of investment risk, but can be managed as a long-term asset, whilst still providing an income.
The ARF Route
We have a clearly defined process, where we look at your financial goals, age, debts, access to capital and of utmost importance, your risk appetite.
We will then research the market and offer the most appropriate and best value ARF investment plan.
Once your ARF monies have been invested, our financial relationship continues and we will provide you with regular updates and
annual reviews to ensure that we stay 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.
Auto-enrolment is a mandatory retirement savings system designed for employees who do not currently have supplementary pension coverage. In Ireland, the scheme is called MyFutureFund
It’s common for people approaching retirement to search for terms like “Best ARF Funds Ireland,” “Best ARF Platform,” or “Lowest ARF Charges.” While this makes
It’s common for people approaching retirement to search for terms like “Best ARF Funds Ireland,” “Best ARF Platform,” or “Lowest ARF Charges.” While this makes
An Approved Retirement Fund (ARF) is a post-retirement investment account that allows you to keep your pension invested tax-free, while drawing a taxable income, rather
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,
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