Pensions and retirement planning can be very complex and daunting for people but we are here to make the process as easy as possible. Pensions are a wonderful tax efficient way to prepare for replacing your income once you stop working.

Personal Pensions can take the form of PRSA’s (Personal Retirement Savings Accounts) an investment account used to save for your retirement.

An Occupational Pension is a Pension provided by your Employer. It is designed to give you an initial lump sum payment on retirement along with a regular income. In a Defined Contribution Scheme the amount of contributions are set and the benefits you get depend on the amount of contributions you make and how they are invested. In a Defined Benefit Scheme the benefit you are entitled to is set in advance. The benefit is linked to your salary and length of service.

A Retirement Bond also known as a PRB (Personal Retirement Bond) or BOB (Buy Out Bond) allows you to invest funds from a Pension Scheme that you have left. It allows you to keep full control of your funds after your leave an employment before retirement age and can be transferred into an ARF product upon retirement.

An Annuity is a guaranteed pension income for life based on your pension lump sum that you have achieved at retirement age. This product can never be changed once it is set up, after you have taken your Tax Free Lump Sum or alternatively you can choose an ARF.

An ARF (Approved Retirement Fund) allows you to keep your pension savings invested in a lump sum after you retire. You can invest it as a lump sum and retain full control over your funds.

Protection takes many forms and we can help you with whatever your protection needs may be.

Life Cover is essential and it is particularly important if you have dependants who rely on your income. Life Cover can be taken out over a particular term for a level, increasing or decreasing amount and pays out a lump sum in the event of death.

Mortgage Protection cover pays off your mortgage to the lender if you or your spouse/partner dies within the term of the mortgage. It can be taken out on a level or decreasing cover basis for the term of your mortgage and is assigned to the lender.

Serious Illness cover pays out a lump sum if you are diagnosed as suffering from any of the serious illnesses listed on your policy for example, cancer, heart attack or stroke. Each company has a comprehensive list of illnesses covered.

Income Protection cover pays out a monthly payment to replace a percentage of your income in the event that you are unable to work due to an illness or accident subject to a minimum waiting period. It can also be called Permanent Health Insurance. It does not cover redundancy. Your income is your most valuable asset.

An Investment Bond is usually a lump sum that you want to invest into a regulated product in order to achieve growth on a medium to long term basis. We provide access to all the regulated Life Companies operating in Ireland which in turn offers you hundreds of funds to choose from and we can help you build a portfolio that suits your risk profile and objectives.

A Savings Plan is a regular monthly savings amount to plan ahead for the future. It’s especially useful for planning in relation to your child’s college education and all the related costs attached to that. It can also be used for any upcoming purpose that you might like or need a lump sum for or as a rainy day fund. We provide access to all the regulated Life Companies operating in Ireland which in turn offers you hundreds of funds to choose from and we can help you build a portfolio that suits your risk profile and objectives.