PENSIONS & RETIREMENT PLANNING
It's never too early to start saving for your retirement.
Pensions are an extremely tax-efficient way of saving. You get tax relief on your saving at the marginal rate; funds accumulate tax-free until retirement and you get a percentage of your fund tax-free at retirement.
Click on our Pension Calculator to see where you should start or compare what you're already contributing.
Savings for retirement
You can do your saving personally, either through a personal pension, PRSA or AVC (free standing). Or you can save through a company, with an executive pension, company scheme or AVC (via scheme). Public sector employees contribute to the Superannuation Scheme. Aylward Financial Services can advise on the best options for your particular circumstances.
Changing careers, redundancies and pension scheme windups can be complex areas and have the potential for considerable loss to you as you are swapping one benefit for another.
Aylward Financial Services will be able to talk you through the issues involved and you can appoint us to deal with the scheme trustees on your behalf to ensure your benefits
Having spent years saving your retirement fund, it's worth spending a few hours with us to discuss the best way of funding your retirement.
For many, that will be the traditional annuity route i.e. income for life. Others may wish to explore post-retirement investment through Approved Minimum Retirement Funds (AMRFs) or Approved Retirement Funds (ARFs). Either way, Aylward Financial Services is expertly qualified to talk you through this choice and we can recommend the most appropriate course of action for you.
Do you currently pay into a Pension?
Are you thinking about starting to pay into a Pension?
Click here to see where you stand right now and also to see what tax relief you can benefit from.
For more information and advice, click to our Pensions and Retirement Planning section. Or, contact us. We'll be happy to help you achieve the retirement you want!