Planning for your retirement is the one key financial need area that is often overlooked by people or
“put on the long finger”.
Is the current state pension €14,419.60 (state pension contributory 2024) sufficient to sustain your
desired lifestyle in retirement?
If not & you plan to maintain a similar lifestyle in retirement as to what you have now, addressing this
financial need area early is a sensible course of action.
We offer both pre-retirement and post-retirement planning services for business owners, self-employed, executives and PAYE employees.
These are plans suitable for the Self-employed, Company Directors, or an Employer who wishes to arrange
company arrangement for Employee.
These plans are suitable for the Self-employed, or an Employee whose employer does not offer a pension.
This can be a complex area & certainly one whereby people need to seek independent financial
advice before actioning. You can transfer your pension to get reduced fees and charges, better plan
options, additional flexibility & higher tax-free cash amounts, and often this is the correct thing to do.
However in certain circumstances you may be losing benefits by doing so, hence we will assess the
merits of maintaining existing arrangement versus transferring and will advise on the best course of
action based on circumstances.
We strongly advise you get your pensions reviewed annually to make sure you are on track to meet your retirement goals, that you have the correct pension arrangement based on your occupation and that you are getting a plan with a competitive charging structure.
Decisions around what options to choose at retirement age can seem complex & confusing. How is my tax free lump sum calculated? What options do I have with the remaining monies? Should I buy a Fixed income for life or Should I invest in an ARF? Should I choose a mix of both or Should I take as a taxable cash payment? What happens if I die? These are just some of the questions people have to consider before making what is one of the most important financial decisions in their life. We will take you through everything in a clear & concise way, in simple language and help you secure the best plan that will deliver on your retirement plans/goals.
It’s never too late to start a pension plan & the generous tax relief’s available on contributions make it a very tax efficient long term savings plan.
We understand that everyone's schedules are different, which is why we offer appointments outside of regular business hours and online consultations.
11 New St, Killarney, Co. Kerry, V93 CPX7
Get Directions
Monday to Friday
9.30 AM to 5.30 PM
Justin - 087 9316654
