RETIREMENT PLANNING

Strategic planning for a secure and fulfilling retirement

Building Wealth

Ages 30-45

Growing Wealth

Ages 45-55

Preparing

Ages 55-65

In Retirement

Age 65+

BUILDING WEALTH: AGES 30-45

In the early stages of your career, time is your greatest asset. The power of compound growth means that contributions made now will have decades to grow, making this a critical period for building your retirement foundation.

Our focus at this stage:

Maximising tax-efficient pension contributions
Establishing an appropriate asset allocation with growth orientation
Building good financial habits and discipline
Planning around major life events (home purchase, children)
Ensuring adequate protection (income protection, life cover)

GROWING WEALTH: AGES 45-55

These are often your peak earning years, providing an opportunity to accelerate your retirement savings. It's also time to take stock of your progress and make any necessary adjustments.

Our focus at this stage:

Maximising pension contributions as income increases
Reviewing and consolidating multiple pension pots
Refining your retirement income target
Considering additional voluntary contributions (AVCs)
Beginning to model different retirement scenarios

PREPARING: AGES 55-65

As retirement approaches, the focus shifts from accumulation to preservation and income planning. This is the time to solidify your retirement strategy and prepare for the transition.

Our focus at this stage:

Detailed retirement income modelling
Gradual de-risking of investment portfolio
Tax planning for retirement (ARF vs. Annuity decisions)
Planning for State Pension integration
Lifestyle planning and retirement readiness

IN RETIREMENT: AGE 65+

Retirement is not the end of your investment journey—it's a new phase that can last 30 years or more. Managing your wealth in retirement requires careful attention to income generation, capital preservation, and tax efficiency.

Our focus at this stage:

Sustainable withdrawal strategies
ARF management and investment
Tax-efficient income structuring
Estate planning and wealth transfer
Adapting to changing circumstances and needs

OUR RETIREMENT SERVICES

Pension Review

Comprehensive analysis of your existing pension arrangements, identifying opportunities for improvement and consolidation.

Retirement Projection

Detailed modelling of your retirement income under different scenarios, helping you understand what you need to save.

Investment Management

Professional management of your pension investments, aligned with your retirement timeline and risk tolerance.

Pre-Retirement Planning

Strategic planning in the years before retirement, including ARF vs. Annuity analysis and tax optimisation.

ARF Management

Ongoing management of Approved Retirement Funds to generate sustainable income throughout retirement.

Estate Planning

Strategies to preserve your wealth and transfer it efficiently to the next generation.

UNDERSTANDING IRISH PENSIONS

Ireland's pension system can be complex. We help you navigate it.

State Pension

The State Contributory Pension provides a foundation, but is unlikely to maintain your pre-retirement lifestyle on its own.

Occupational Pensions

Employer-sponsored schemes offer valuable benefits, including employer contributions and tax relief.

Personal Pensions

Personal Retirement Savings Accounts (PRSAs) and personal pensions offer flexibility for those without access to occupational schemes.

ARFs & Annuities

At retirement, you must choose how to draw your pension. We help you understand the trade-offs between ARFs and annuities.

READY TO PLAN YOUR RETIREMENT?

Whatever your life stage, we can help you build a clear path to a secure retirement.

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