Pension Audit

Deciding to plan for retirement is one of the most important financial decisions you can make. But all too often we come across clients who either haven’t reviewed their pension, or who aren’t reviewing it regularly. If you’ve already started your pension, you need to review it each year to ensure your retirement plans remain on track. Over time our goals occupation income and personal circumstances can change. Availing of regular reviews can keep your retirement plans on track. When reviewing your pension ask yourself the following;

  • Are you contributing to the right type of pension?
  • Do my funds match my attitude to risk?
  • Do you know how your pension fund is performing?
  • Is there a better fund to meet your needs?
  • Do you know what fees you are paying?
  • How are these fees affecting your retirement plans?
Savings for Retirement

You can do your saving personally, either through a personal pension, PRSA or AVC (free standing). Or you can save through a company, with an executive pension, company scheme or AVC (via scheme). Southeast Financial services can advise on the best options for your particular circumstances.

Pension Transfers

Changing careers, redundancies and pension scheme windups can imply your benefit in a pension scheme is restructured and possible a fund is transferred out of the scheme and set up independently on your behalf. This complex area has potential for considerable loss to you as you are swapping one benefit for another. Southeast Financial services will be able to talk you through the issues involved and you can appoint us to deal with the scheme trustees on your behalf.

Post retirement options

Having spent years saving your retirement fund, it’s worth spending a few hours with Southeast Financial services discussing the best way of funding your retirement. For many, that will be the traditional annuity route i.e. income for life. Others may wish to explore post retirement investment through Approved Retirement Funds (ARFs). Either way Southeast Financial services is expertly qualified to talk you through this choice and we can recommend the most appropriate course of action for you.