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How Do I Select My ARF Adviser?
one of the most important decisions you will make
Choosing the right pension adviser at retirement.
The adviser you choose will play a major role in protecting your money and your future, guiding your income decisions, and ensuring you never run out of money. It is very important that you work with a highly experienced, regulated, and knowledgeable financial adviser.
Why Choose
ARF Ireland?
01.
Expertise & Experience
Over 20 years of experience assisting individuals to draw down their pensions across Ireland.
02.
Pension Problem Solving
Daily solving of complex revenue pension problems for our clients who are business owners and individuals with large sums in their pensions.
03.
Non-Biased & Personalised Advice
We compare the whole market and tailor recommendations based on your goals, age, tax position and investment preferences.
04.
Regulated Advisors
ARF Ireland is regulated by the Central Bank of Ireland.05.
Knowledge & Expertise
Our Team have the knowledge and experience to provide you with enough clear and concise information to allow you to make an informed decision.
06.
Clear, Simple Explanations
No jargon, just straightforward guidance on how your ARF works, how withdrawals are taxed, and how long your fund is likely to last.
07.
Tax-Efficient Withdrawal Planning
We help structure your income for maximum tax efficiency.
08.
Additional Tax Advice
We will propose solutions as to how to keep taxes to a minimum.09.
Ongoing Support
Regular communication, pension reviews, and tax advice to help you adapt to the ongoing changing Revenue rules for pension funds.
10.
Investment Strategy Built For Retirement
We design a suitable ARF investment plan balancing growth, risk control, and your long-term income needs.
Here’s what to look for when selecting a pension ARF adviser.
1. Choose a Regulated and Registered Pension Adviser
Your adviser should be a regulated financial services firm authorised by the Central Bank of Ireland. This ensures:
2. Look for ARF Specific Experience
Managing an Approved Retirement Fund is not the same as managing a pension during your working years. Your adviser should have:
Tip: Ask how many ARF clients they work with and how long they’ve been advising retirees, and take a look at their testimonials and case studies.
3. Make Sure the Adviser Is Unbiased
An unbiased pension adviser can work with multiple insurance companies, such as:
This gives you access to a wider range of ARF options and ensures the advice is:
4. Check Their Investment Strategy for ARFs
Your adviser should recommend a clear strategy for:
5. Understand The Ongoing Support They Provide
A good ARF pension adviser is not just for the setup. Ongoing support is crucial:
6. Look for Clear Communication and Straightforward Explanations
Pension access options can be complex. Your adviser should explain things:
You should always understand what you are invested in, how much income you can take, and what risks apply.
7. Ensure Fees Are Clear and Transparent
Typical ARF advice involves:
Make sure your adviser explains:
8. Choose Someone You Trust
At retirement or when you access your pension, your adviser will guide decisions that impact the rest of your life. Choose someone who:
Trust and relationship are just as important as technical expertise.
Our trusted experts
Our Team Members
Choosing an adviser when accessing your pension is an important decision. The adviser you choose should have a great team around them, so you know the support & expertise are there if and when you and your family need it.
Michael Coburn
Pension, Tax & Investment Specialist
Jim
Doyle
Owner &
Director
Joanne Fenelon
Communications Manager
Kelly
Keane
Financial
Advisor
Evan Rowan
Financial Administrator
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