
options clearly
explained
Your Retirement Income Made Simple
Clarity
We explain your Pension Access, Approved Retirement Fund, and Annuity options in plain English.
Confidence
Know your exact tax-free pension lump sum and annual income at retirement.
Control
We want to educate you so that you make informed decisions.

Your Pension Choices Can Feel Complicated. We Make Them Simple.
Our Services

Pension Access Planning
Step-by-step guidance on tax-free lump sum options, timelines, paperwork, and how to set your pension up properly at retirement.
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ARF Setup & Transfers
Setting up a new ARF, or transferring an existing ARF from a bank/ or pension provider to a structure with clearer costs and better ongoing advice.
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ARF Investment Strategy
A diversified, risk-managed approach designed around your required income, time horizon, and how much market volatility you are prepared to accept.
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Retirement Income & Drawdown Plan
How much income can you sustainably take each year from your pension? We create a practical income drawdown plan that considers tax, sustainability, your family, and market movements.
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ARF Reviews & Ongoing Advice
Your ARF needs ongoing oversight. We review performance, fees, fund selection, and changing personal circumstances at least annually.
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ARF vs Annuity
Advice
We explain the pros and cons of Approved Retirement Funds (ARFs) and Annuities to help you make an informed decision.
Learn MoreMeet the ARF Team

Michael Coburn
Pension, Tax & Investment Specialist

Jim
Doyle
Owner &
Director

Joanne Fenelon
Communications Manager

Kelly
Keane
Financial
Advisor

Evan Rowan
Financial Administrator
Why Trust ARF Ireland As Your Pension Adviser?
Drawing down my Pension was a big financial decision and I was very happy I chose Guardian Wealth. Michael clearly explained my options to me and dealt with my insurance company to make sure it went smoothly. I now meet with Michael every year to make sure my retirement plans are on track. I have no hesitation in recommending Guardian Wealth.
I have been receiving advice from Jim Doyle in Guardian Wealth for 3 years. I was advised by a friend to use Guardian Wealth and so I contacted them when the time came to access my pension. Jim has been very good to me and has given me great advice over the years. He keeps in touch to give me updates on my pension and he is always available by phone if I have any questions. I am delighted that I am dealing with Guardian Wealth. They are a professional outfit and very straightforward to deal with.
ARF Ireland managed to achieve a good return on my ARF investments without me having to take too much risk. They continue to update me on the progress of my ARF and I now see them as a very important to my financial planning needs.
I had a number of pensions that I was ready to drawdown but I was very confused as to how I should do this, and what I needed to do. ARF Ireland took control of the process for me and dealt with my existing pension providers to get me my tax free lump sum from the pension, and also set up my ARF & AMRF.
ARF Ireland differentiated themselves from the competition early on. They listened to me and tailored a plan suited to my needs. By engaging with them I was able to build an ARF investment strategy that I feel comfortable with and also kept fees to a minimum. I have also found them to be very client focused and willing to go the extra mile for me.
Many thanks for all your help in making my drawdown so seamless. I have to say I thought you did an excellent job and I am lucky to have landed on your website when I first started looking for someone to help me on this.
As a conservative investors, ARF Ireland created an ARF investment portfolio for me that gives the potential for reasonable growth during periods of financial market highs but also protects me from periods of market turmoil…they have also always fulfilled their initial promise to me to review my ARF with me on a regular basis.

