ARF Ireland is a plain‑English guide for individuals about to access their pension and considering an Approved Retirement Fund (ARF). It is a specialist retirement and pension advisory division of Guardian Wealth Ltd.
When you access your pension, you usually face two key decisions. First, how much tax‑free cash to take, often up to 25 percent. Second, whether the remaining fund should go into an annuity or an ARF.
These choices affect your long‑term income and your tax position, yet many people find the rules unclear and difficult to understand.
An ARF allows you to keep your pension invested and draw income when you need it.
You choose the investment approach, the level of withdrawals, and how any remaining fund passes to your family. This flexibility is particularly relevant for company directors and business owners.
ARFIreland.ie explains the ARF process in short, direct language. It covers tax‑free cash, ARF income, tax treatment, inheritance, and common mistakes to avoid when accessing your pension.
Visit www.arfireland.ie
or contact us on 01 526 7770 or 053 9110380 to discuss your options.