Couple getting Pension Advise from Investwise

Retirement planning

Pensions are a critical part of any successful financial plan. Many avoid grasping this particular nettle, as retirement planning appears so far away for most people.

We take all the complexity out of planning for retirement and help you make the right decisions, whether you are an employee, self-employed, company director or even already retired.

Pensions still offer you the most tax efficient investment vehicle available in Ireland today. However, it is critically important that pensions are set-up correctly, with the right investment strategy, and the lowest possible costs. We do all the leg-work to make sure your hard earned pension savings are being optimised.

As with everything we do for clients, there are no hidden commissions or charges in any pension we recommend. We spend significant amounts of time researching and negotiating with product providers to find the best value in the market so that we can give you a guarantee that your pensions will be set up under the best value contracts available. In many cases we can reduce current pension charges by 50%, without any reduction in service, investment performance or outcomes.

Private Pensions

The key aspects of any retirement strategy developed with our help are as follows:

Appropriate Funding

We will help you set some goals for retirement, including what age you would like to start winding down from your chosen career, how to transition into retirement, and then how much you will need. Once we know these key aspects of your future plan, we can clearly set out a roadmap to achieve this goal, both with the correct investment strategy, and the appropriate level of annual contributions.

Tax Relief

We will make sure the correct pension structure is being used to ensure you are maximising your tax relief. Company Directors will have a very different pension structure and approach to an employee or self employed individual.

Investment Strategy

Pensions are generally long term investments. With our detailed investment analytics and research tools, we will work with you to set up an appropriate initial investment allocation and put in place a regular review process for the future. See our Investments page for more details.

Charges

High charges can have a serious negative impact on future pension fund values. We are impartial financial advisors and research the market extensively to find good value, low-cost pension structures for you. We negotiate constantly with pension providers to get the best deals for you and have been leading the market in pushing for new transparent charging structure options.

Transparency

As we are fee-based financial advisors, you can be assured that there are no hidden costs, hidden exit penalty periods or other nasty surprises. We are passionate about setting up all your pensions contracts with complete transparency.

Next Step…

Whether you are looking for a second opinion on your current pension portfolio, looking to set up a new pension, or looking to make changes to your pension, please contact us by phone, email or using our contact form below to arrange a pension consultancy.

Contact Us

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