It is never too early or indeed too late to start planning for retirement. What is important is to have a plan. You need to consider the type of lifestyle you want to have at retirement and how you are going to fund that. Then form a plan around those goals and consider the options available to you. Retirement planning doesn’t end there though!
It’s important to ensure that your plan is working hard for you on an ongoing basis. It also needs to be managed carefully to mitigate risk as you approach retirement and you need to consider the options after you retire to allow your pension fund provide an income.
Talk to us at Quintas Wealth Management about your retirement planning because we know what counts.
Did you know that ...
of us know how much we need to live on retirement.
of adults in Ireland don’t know the higher and the lower rates of income tax
over a fifth don’t know what they pay into their pension savings
Starting a pension is one of the smartest decisions you can make. It could help ensure a brighter, better future to look forward to.
When you’re choosing a pension, having all the information you need is key. So we’re here to help you select one that’s right for you. Pensions plans available include:
- Personal Pension
- PRSA Pension
- Retirement Bond
An Executive pension plan is designed for those working in and running SMEs. It helps employees and employers get the most from their contributions.
An Executive Pension Plan allows you to benefit from pension contributions paid by the company on your behalf.
It also allows you to provide for your pension fund which is independent of the company’s assets and its future profitability.
These pension plans are suitable for both employees and controlling directors.
It allows you to enjoy the greatest level of control over the direction of your investments, including access to investment in property and structured investment bonds.
Your retirement is a time you have worked hard for, a time to start doing the things you always promised yourself. To ensure you are able to make the most of your retirement you will want to ensure you are financially independent. Especially since your retirement could last for 20 years or more.
What you can do with the proceeds of your pension plan depends on which employment category you fall into and the type of pension plans you currently hold. Depending on your circumstances there are different options for you to consider at retirement.
You have the option to take a tax-free lump sum and may be able to use the balance to avail of:
- A pension income for life (an Annuity)
- An Approved Minimum Retirement Fund (AMRF)
- An Approved Retirement Fund (ARF)
- A taxable lump sum
Protect your financial future with this Pension & Retirement Calculator from Zurich Life
What our clients say about Quintas
"I would like to express my thanks for the work you have done for me over the past years. The expertise and attention to detail with which you have handled my financial affairs could not be faulted. Particularly reassuring to me is the feeling of c..." Read more
- John Riordan | Director of Support | Shopify
"I have been dealing with Anne O’Doherty in Quintas Wealth Management for over 10 years, i would strongly recommend their services based on professionalism , friendly manner and a strong track record on investment performance."
- Helen Down | Ballincollig
"Having dealt with Quintas Wealth Management over 6 years for protection, Investments and Pensions I would have no problem in recommending them based on their professional and efficient service."
- Derek Goggin | Chief Financial Officer | Teamwork
"I have dealt with Anne O’Doherty in Quintas Wealth Management for the last 6 years and I would strongly recommend them based on their professional, efficient and friendly service and most importantly their track record with our investment portfolio." Read more
- Brian Robinson | CTO | Dataworks Limited
"I and clients of mine have availed of the excellent services of Quintas Wealth Management, led by Anne O’Doherty. I have no hesitation in recommending Quintas Wealth Management."
- John Boylan | Partner BDM Boylan Solicitors
"I have been dealing with Anne and her team in Quintas Wealth Management for the last 10 years . I would recommend Quintas Wealth Management because of their transparency on a range of investment ideas within my pension fund .i would have no hesita..." Read more
- Dr Rose Curtin | Elmwood Medical Centre
"I have been a client of Quintas Wealth Management since its establishment in 2005 and over the last 16 years the team have provided me with invaluable advice in a very efficient and professional manner."
- Dr Sean Mc Carthy | Dentist
"I have been a client of Quintas Wealth Management since 2013 and have always found their process and approach to clients very professional As an accountant I feel this is of utmost importance when referring my clients to Quintas Wealth Management. "
- Aidan Mc Avinue | Accountant
"Protecting our family was at the forefront of our mind when we engaged with Quintas Wealth Management. What we came away with is a far more robust financial plan based on a complete analysis of our financial situation. We cannot thank the team eno..." Read more
- Gino & Nicola Lee | Director | Parbo Limited
"I originally engaged Anne and her team to assist with setting up my pension and retirement planning. However, I received far more than that and now have a much broader, well-thought out and organised financial plan that really gives me peace of mind."
- Monica Holland | Director | Cloghroe Pharmacy
"We have had the pleasure of dealing with Quintas Wealth Management over the past year. Without doubt we feel we have benefitted from the most astute financial advice combined with exceptional customer service."
- Pat Mullins | Partner | BDM Boylan Solicitors LLP
"Anne O’Doherty has been our financial advisor for the past 6 years . she listens to our requirements and our long-term goals and has provided us with a comprehensive plan of action. Anne has always offered sound financial advice based on our inv..." Read more
- Peter Murphy | Director & General Manager | Apple Operations Limited
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