Unhappy With Your Existing ARF?

  • Home
  • /
  • Unhappy With Your Existing ARF

If you already have an Approved Retirement Fund (ARF) set up with a bank or another pension broker, and you’re unhappy, confused or feeling ignored, you’re not on your own.

Unhappy With Your Existing ARF?

At ARF Ireland, we specialise in solving problems and reviewing and improving existing ARFs so you can feel confident and in control again.

We regularly hear from people who:

  1. Don’t understand how their ARF is performing or why it is not performing
  2. Are worried about high fees & charges
  3. Feel they get little or no ongoing advice or service
  4. Feel their ARF was not set up correctly
  5. Who simply want a second opinion because their money is their future
  6. Feel the income strategy is not correct, i.e., drawing down too much or too little

Why Reviewing Your Existing ARF Is Important

Your ARF is one of the most valuable financial assets you will ever own. A clear review can help you understand whether you are on track and what changes may be needed. A lack of proper advice or a poorly managed fund can lead to:

Reduced income in retirement

Higher tax bills

Increased investment risk

A fund that runs out sooner than expected

Paying excessive fees and charges

Thinking of Changing Your ARF Provider?

Switching your ARF is usually straightforward and does not affect your tax position or entitlements. 

We can guide you step-by-step and ensure:

No disruption to your income

No accidental triggering of taxes

A smooth transfer and clear handover

How ARF Ireland Can Help

At ARF Ireland, we specialise in retirement income planning, pension access and ARF management. If you’re unhappy with your current ARF, we can provide a structured, non-biased review to help you regain clarity and confidence.

1. Full ARF Health Check

We examine your current investment funds

Your level of risk vs your age and income needs

Your annual income drawdown strategy

Fees and charges

Sustainability of your fund over the long term

2. Clear Explanations

We explain how your ARF works

Why your fund is rising or falling

Whether your current risk level is suitable

How much income can you safely take each year


3. A Better ARF Strategy (If Needed)

If we discover that your existing ARF can be improved. Recommendations we might make could be any of the following:

Alternative investment options

More efficient fee structures

Improved long-term income planning

Simplified reporting and regular updates

How to pay less tax

4. Ongoing Annual
Reviews

Many clients move to ARF Ireland because they want:

Annual check-ins

A clear projection of how long their ARF may last

Someone to call when life changes

To be kept up to date on pension Revenue rule changes




Our trusted experts

Our Team Members

We are passionate about keeping our approach clear and concise and giving our clients the support and guidance they need when it comes to advice on pensions. If you are unsure why your ARF is not performing, we are more than happy to talk to you.

Michael Coburn

Pension, Tax & Investment Specialist

Jim
Doyle

Owner &
Director

Joanne Fenelon

Communications Manager

Kelly
Keane

Financial
Advisor

Evan Rowan

Financial Administrator

Things We Get Asked

Questions and Answers

Regular reviews ensure your ARF continues to support your retirement income needs. Markets change, your circumstances change, and your ARF strategy should change with them.

Yes. Many people unknowingly pay higher fees than necessary. A review can identify unnecessary charges and, in many cases, reduce your annual costs.

A review helps ensure your ARF is invested in funds that will deliver a more stable, sustainable performance over time.

Your annual withdrawals need to be balanced with investment growth so your fund lasts as long as you need it. A review checks whether your current withdrawal rate is sustainable.

Life events such as health issues, inheritance planning, and changing income needs can all impact how your ARF should be structured. A review keeps your plan aligned with your priorities.

Yes. You can move your ARF to another adviser or provider without penalty in most cases. However, it is important to establish if there are penalties for moving your ARF. A review highlights whether a move could benefit you.

At least once a year. Ongoing advice ensures your ARF remains properly managed, continues to meet Revenue requirements, investment needs, and income objectives, and remains tax-efficient.

news

Latest Articles

Would you like A simple, obligation-free call to understand your options clearly?

Talk to an ARF Specialist today

Call Now