
Pension Paperwork Overload? What IORPS II Really Means for Your Pension Retirement Options
What IORPS II Really Means for Your Pension Retirement Options
Read MoreWhen it comes to accessing your pension, terms like Annuity, ARF & Tax-Free Lump Sum can be tricky to understand. We deal with these terms every day and can quickly figure out what option is best for you and your family. We can help you “Get This Right”.

An annuity is a retirement product that provides you with a guaranteed income for life in exchange for using your pension fund to buy that income. Once purchased, the income is fixed (unless you choose an increasing annuity) and continues for as long as you live.
An annuity is designed for individuals accessing their pension who prefer certainty, security, and a predictable income in retirement.

Once purchased, your income is guaranteed and will not run out, regardless of how long you live. You cannot outlive your Annuity Income.
Choose a level (fixed) income or one that increases annually to help combat inflation. Your income is secure and predictable.
You can choose a joint-life annuity, ensuring your spouse continues to receive income after your death, but at a reduced rate.
Your income is secure and not affected by volatility in global investment markets.

On our page ARF vs Annuity, you can study the comparison and difference between an ARF and an Annuity.

As a registered financial services pension broker, we provide advice and work with multiple insurers to ensure our clients receive the best possible retirement plan. We work with providers such as Zurich, Irish Life, Aviva, and New Ireland Assurance, along with many more.







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.

Pension, Tax & Investment Specialist

Owner &
Director

Communications Manager

Financial
Advisor

Financial Administrator
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.
An annuity is a product that provides a guaranteed income for life in exchange for your pension fund.
Yes, unless you choose an increasing annuity, which rises annually to help with inflation.
Yes, but only if you choose a joint-life annuity so your spouse continues to receive income after your death.
No. Once purchased, an annuity is permanent and cannot be reversed.

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