Is Your Pension Plan Sufficient? Preparing For Retirement Cannot Start Early Enough.
Apart from your working life income and your property, your pension fund will probably be the single biggest asset you have. Ask someone about their income and they will be able to answer your questions rapidly.
Ask someone about their property and they will be able to tell you it’s approximate worth, the term left on any mortgage, the type of mortgage they have and their monthly repayments.
Ask someone about their pension and generally they struggle to answer more than two or three questions. Whether you are starting pension funding for the first time or you are someone who already has a pension in place these questions are important:-
- When do you plan to retire?
- How much will you need to live on?
- What pension fund should you have built up to sustain this level of income?
- Are you currently making the level of contributions necessary to achieve this pension fund?
- What is your pension fund invested in? and how is it currently performing?
- What are the charges being taken from your pension fund?
- Is your pension fund flexible? Will it move with you from employment to employment?
- If you are a member of a company pension scheme, can you make additional voluntary contributions to increase your pension fund at retirement?
- Do you understand the generous tax reliefs available for your pension funding?
Remember, it is you and not your accountant or broker or pension provider who is going to have to rely on this pension fund, so it is imperative that you take the same approach to your pension that you would to your income or your mortgage.
We insist on regular pension reviews to ensure that your pension planning is in line with your retirement needs.
We give advice on a range of pension products:-
- Personal Retirement Savings Account (PRSA)
- Directors Pension Plan
- Self-Directed and Self-Administered Pension Plan
- Additional Voluntary Contributions
- Approved Retirement Funds
- Buying Property through your pension fund
With our pension expertise, it is our job to go through the various options with you and put together the pension plan that most suits your needs at this moment in time.
If your needs change or your employment status changes (e.g. employee to self-employed to limited company director) we will work with you to ensure that you still have the pension fund that suits you best.
Free Consultation For Pensions. Let’s Take A Fundamental Look At Your Financial Planning & Pension Plan.
Let’s get started …..
We always follow a 4 Step Process to gather your information on your current financial arrangements, assess their suitability for your current circumstances and fill in the gaps:
Step 1 – Initial Meeting (Investigation)
We will sit down with you (and whomever you wish) to ask all the relevant questions which will
enable us to determine we are the right fit for you and your retirement planning.
Step 2 – Needs Analysis (Fact Finding)
We will gather all of your up to date financial information and then conduct a ‘fair market analysis’ to find solutions to your specific need.
Step 3 – Recommendations
We will present you with your pension options and discuss the merits of each.
Step 4 – Implementation
We will help you to put your chosen option(s) in place and guide you at every step of the way. This will be done in a clear, concise, fuss free manner.
For many businesses and families the initial 1 hour Investigation Meeting shows them the stark reality of what their lack of retirement planning is putting at risk.
The benefit to you is complete clarity:
• For your family
• For your business partners
• For your peace of mind
We ensure there are:
• No surprises
• Every recommendation is designed to match your specific circumstances
• Complete transparency and understanding of each recommendation
• We will simplify and consolidate your current financial needs
Our mission is to ensure, as appropriate, you, your family or your business partners know exactly what financial product you own and why you own it.
In addition we will complete an overview of your financial arrangements so that you will have a Roadmap for future financial planning.
There is absolutely no charge for this and this is our guarantee to you, your family and business partners.
Don’t forget this is a 1 hour meeting – Step 1 of a 4 Step Process that will simplify and consolidate your current financial needs and provide an Independent and tailored solution (s) for the future. This is too important to put on the long finger again.
Call Jacinta Lawlor on 01 906 0398 and organise your complimentary 1 hour Investigation Meeting today – ‘you have everything to gain and nothing to lose’.
We are happy to meet you (together with your accountant/ solicitor/ tax advisor if appropriate) at a location and time convenient for you.
Fundamental Life and Pensions Retirement Planning & Early Retirement Financial Planning
Unit 11, Keypoint, Rosemount Business Park, Rosemount Park Drive, Ballycoolin, D11 W2YC, Ireland 01 906 0398
Fundamental offer free retirement planning advice and pension advice in Dublin. Financial planning for retirement is essential to ensure that you are able to maintain your desired lifestyle in retirement. If you are preparing for retirement in Dublin, why not use our services for free pension advice & pension scheme analysis? Is your pension fund sufficient? if not we can find the best pension plan for you.
