My Situation
There is no one-size-fits-all approach when it comes to financial planning. We take every client on an individual basis as each situation is different.
Received Your Retirement Options
There are usually several options available to you on retirement from your pension plan
Approaching Retirement
Are you nearing retirement? Make sure you start planning now for your long-term future.
Retired | Existing ARF
Are you already an existing ARF holder who would like your current ARF reviewed?
Considering a Transfer Value
If you have been offered a Transfer Value it is important to take time and assess all possibilities.
Received Your Retirement Options
There are usually several options available to you on retirement from your pension plan
Approaching Retirement
Are you nearing retirement? Make sure you start planning now for your long-term future.
Considering a Transfer Value
If you have been offered a Transfer Value it is important to take time and assess all possibilities.
Retired | Existing ARF
Are you already an existing ARF holder who would like your current ARF reviewed?
Received Your Retirement Options
There are usually several options available to you on retirement from your pension plan
Approaching Retirement
Are you nearing retirement? Make sure you start planning now for your long-term future.
Retired | Existing ARF
Are you already an existing ARF holder who would like your current ARF reviewed?
Considering a Transfer Value
If you have been offered a Transfer Value it is important to take time and assess all possibilities.
Received Retirement Options
You may be in a position where you have received retirement options. If this is the case it is important to weigh up all your options. Any decision you take will likely have a dramatic impact on your future. Some advice we would give is to :-
- Get an expert to look over your options. We offer a complimentary consultation if you would like to have a chat.
- Run through and assess all available options. Weigh up the pros and cons of each.
- You may be eligible for a tax-free lump sum – there are numerous ways to calculate retirement lump sums – it is important all options are provided to you. We can check and ensure this is the case.
It is likely you have several options available to you. However, it is important to make the correct decision that best suits your own needs and objectives. We can assist with helping you understand all the options available and then advise you on what we feel will best suit your goals and objectives.
Approaching Retirement
The key to a successful ‘In Retirement’ strategy is to start planning it many years before the actual date. Five to six years before retirement is a good time to have a conversation about retirement plans.
Some considerations:-
- Consider the most appropriate investment strategies to suit actual retirement plans.
- Start to think about the different retirement routes – Annuity or ARF.
- We recommend meeting your Financial Advisor regularly during these years to ensure all plans are on track.
Retired | Existing ARF
We assist clients who are retired or are looking to assess their existing ARF’s. Some of the reasons our clients choose to do business with us:-
- Everything we do is with you at the centre.
- We will review your ARF and offer an unbiased view on how it has performed.
- We take into account your personal goals and objectives.
- We provide a clear and transparent charging structure.
- Everything we do is with your long-term objectives front of mind.
- We offer a wide range of investment options to our clients.
- We have a proven track record of assisting and guiding clients through retirement.
Considering a Transfer Value
If you are in a situation where a transfer value may be a possibility, it is important to exercise caution. Speaking with a qualified professional and assessing all options would be worthwhile. Some points to consider would be:-
- Do you have other pension arrangements as these may need to be taken into account?
- It is likely a complex decision. Have you taken all other variables into account?
- What is the current situation of the scheme from where the transfer value is being offered?
You may also be offered an Enhanced Transfer Value (ETV). Enhanced Transfer Values are becoming more prevalent as companies aim to reduce scheme liabilities. These ETV’s offer members a once-off opportunity to transfer the value of their pension on enhanced terms. This simultaneously allows trustees to de-risk the pension scheme. If you are in a similar situation and would like to discuss your options we would be happy to assist.
Retirement Planning Experts
To enquire how our team can help you, please fill out the form to arrange a call.
7, Abbey House,
Main Street,
Clonee,
Co. Meath
