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Pension Paperwork Overload? What IORPS II Really Means for Your Pension Retirement Options
What IORPS II Really Means for Your Pension Retirement Options
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About Us
About ARF Ireland
Clear, Concise Guidance When Accessing Your Pension
At ARF Ireland, we specialise in helping people make confident, informed decisions when accessing their pension and setting up an Approved Retirement Fund (ARF).
Accessing your pension is one of the most important financial decisions you will ever make. The choices you make can affect your income, tax position, and family for the rest of your life. Our role is to make those choices clear, understandable, and aligned with your long-term goals.
Who Are We?
ARF Ireland is a specialist retirement and pension advisory division of Guardian Wealth Ltd. For over 20 years, we have been helping individuals who are about to access their pension, approaching retirement, or have already accessed their pension benefits.
We specialise in:
✔ Approved Retirement Funds (ARFs)
✔ Pension access planning
✔ Retirement income and tax strategies
✔ Ongoing ARF investment advice and reviews
Our clients include individuals, professionals, business owners, company directors, and retirees who want clear advice, transparent fees, and ongoing pension and tax support.
Our Approach: Your Pension Options, Clearly Explained
We believe good advice should be:
✔ Well researched and non-biased
✔ Transparent & clear
✔ Easy to understand
✔ Ongoing service, not one-off
We use plain English, not industry jargon. We take the time to research and explain how each option works, the pros and cons, and what it means for you and your family in real terms, today and in the future.
There is no “one-size-fits-all” ARF solution. Every recommendation is tailored to your circumstances, objectives, financial situation, and attitude to risk.
Clear & Non-Biased Advice That Puts Your Interests First
We are not tied to any single pension or insurance company. Our team works with all major Irish pension and investment providers, giving us the flexibility to recommend solutions based on suitability — not brand preference.
Providers we commonly work with include: Aviva, BCP, Cantor Fitzgerald, Irish Life, ICT, New Ireland, Quest, Royal London, Standard Life, and Zurich.
Having many agencies allows us to compare options, control costs, and design ARF solutions that are genuinely in your best interests.
What We Help With
We Regularly Help Clients With Questions Such As:
Our Trusted Experts
Meet The Team
Meet the ARF Team. We know that planning to access your pension is a very important, if not one of the most important, and personal decisions you’ll ever make. We’re passionate about keeping our approach clear and concise and giving our clients the support and guidance they need when it comes to Pension Access and Tax Advice.
Michael Coburn
Pension, Tax & Investment Specialist
Jim
Doyle
Owner &
Director
Joanne Fenelon
Communications Manager
Kelly
Keane
Financial
Advisor
Evan Rowan
Financial Administrator
Success Stories From Our Clients
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.
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