01Apr
Pension Paperwork Overload? What IORPS II Really Means for Your Pension Retirement Options
What IORPS II Really Means for Your Pension Retirement Options
Read MoreLooking To Access Your Pension?
What Is An ARF?
Got Questions?
Clarity & Confidence When
Accessing Your Pension Through An Approved Retirement Fund
When it comes to accessing your pension, we understand the decisions you have to make right now and how they will greatly impact your future finances. We will guide you through this process, giving you clear and concise options.
What Is An ARF?
An Approved Retirement Fund (ARF) is a personal retirement fund whereby after taking your tax-free lump sum from your pension, you can keep your money invested after retirement (in much the same way you had your pension invested).
You can withdraw from it regularly to give yourself an income, on which you may pay income tax, PRSI, and Universal Social Charge (USC). You retain ownership of the ARF Fund.
ARF Key Points At A Glance
Who Is An ARF Most Suitable For?
An Approved Retirement Fund (ARF) is designed for retirees or individuals who want to maintain control, flexibility, and choice over how their pension is managed and accessed.
An ARF Is
For You If:
01.
You Want Control Over Your Income
Choose how much you withdraw and when. You like to manage your own retirement income rather than being locked into a fixed annuity payment.
02.
You Prefer To Keep Your Money Invested
Your fund stays invested with potential for long-term growth. This suits retirees and individuals comfortable with some level of investment risk.03.
You Have Other Income Sources
Examples would be: state pension, rental income, or other savings that can support some of your financial needs. This gives you the flexibility to leave your ARF invested for longer.04.
You Want Flexibility
You want to adjust withdrawals, change investment funds, or switch providers anytime. An ARF supports ongoing choice as your needs change.
05.
You Want To Leave A Legacy
You would prefer that any remaining ARF value you have can be passed to your family. This makes an ARF attractive for those prioritising inheritance planning.Who We Help
- Individuals accessing their private pension from the age of 60 years
- Individuals accessing their old workplace pension from 50 years
- Individuals with multiple pensions
- Company Directors/Business owners
- Self-employed professionals
- Career Professionals
How Our ARF 5 Step Setup Process Works
Experienced Advice
As a registered financial services pension broker, we provide advice and work with multiple insurers to ensure our clients receive the best possible retirement planning. We work with providers such as Zurich, Irish Life, Aviva, and New Ireland Assurance, along with many more.
trusted experts
Our Team Members
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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