Services

Retirement & Pensions

Pensions management

Financial Planning – long term “roadmap”
Pension Transfers – consolidate or move your money to your preferred manager
Acting as Professional Trustees, and giving Trustee related advice
Advising Directors, Businesses and employees regarding choice of retirement schemes and State Pensions (including PRSI class)
Marital breakdown advice relating to Pension Adjustment Orders
Takeovers and mergers advice

Our client focus is mainly individuals and small corporations.
Types of services offered include:

Seminars to Self-Employed on Importance of Private Pension Provision (e.g. through Local Area Partnerships)
One on one sessions for Self Employed/Employed/Retired Individuals on Pension Saving and other investment options
Planning for Retirement Mentoring
Advising corporate bodies on pension structures and providing in-house seminars to company employees on pension saving and retirement options

Retirement Coaching

This broad term which is gaining popularity in the USA includes both the healthy living and the investment side of “getting to and getting through retirement.” We can help retirees most with the latter, but are conscious of the need for people to feel empowered to make their own decisions, irrespective of gender, age or education. So we help people get the most from their savings, optimize their taxes, State Benefits, do their accounts and tax returns and assist with their budgeting.

In Ireland the Retirement Planning Council have been acting in this area for large corporations for years, but there is little advice for smaller firms or individuals

This area is growing and will continue to grow rapidly due to demographic trends and changing lifestyle needs

Our customers in this segment are employers who want to prepare their employees for their retirement; individuals approaching retirement who want to prepare and enjoy their retirement; and those in retirement who need advice in finding their way.

Investment Advice

Advice on investing whether it be for the short term or long term, or for capital protection, growth or income. Through our extensive experience in the asset management industry we will help our clients navigate through the range of assets available.

We can provision of access to investment products (e.g. mutual funds, policies) through agency agreements with major insurance/investment companies.

We offer independent advice on Investment of capital for long-term growth or regular income, e.g through mutual funds, investment bonds, ETFs or bank savings products.

The Irish Investment advice market comprises discretionary and non-discretionary roles. Our service aims at corporate and individual clients who are either HNW or smaller scale investors. We neither act on a Discretionary basis, nor hold any client assets.

The Irish investment market has traditionally been focused on property, particularly as certain public servants (e.g. Gardai) were restricted in their options and chose property as a long-term vehicle for their retirement savings. This concentration on property proved very painful for many when the “Celtic Tiger” bubble burst. This is why we advocate a good diversification on your retirement savings.

Our expertise is in other asset classes (e.g. equities, bonds) and non-domestic markets and we aim to help investors diversify beyond one class of asset, one currency, and/or jurisdiction.

Advising People in Retirement

Advising people on ARF and AMRF options and legislation
Advising on asset allocation through retirement
Help retirees plan for and claim State Contributory and Non-Contributory Benefits
Assist with other social welfare claims (e.g. living alone allowance)
Assist Medical/GP Card applications

We are happy to help the elderly deal with all that unnecessary and unfair paperwork.

Protection

Advice on use of Life Insurance products to protect you and your family from losing your home or income due to death or serious illness
Provision of access to protection products through agency agreements with major insurance companies.

Taxation and Accounting

Submission of Income and corporate tax returns
Inheritance, capital gains and income tax planning
Accounting and Investment accounting services.

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