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Retirement Planning

Planning for your desired lifestyle in retirement is a significant challenge facing business owners and professionals today. You want to maximise the tax advantages and also your retirement benefits , all in a risk controlled manner.

You need to carefully consider when you wish to retire , how much you need to save and where best to actually invest your money. At Cregan Kelly O'Brien Financial Planning , this is what we do . Using our On Track process , we help you to clarify your retirement objectives and ultimately achieve them in a controlled way.

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Our Pension Advice Process

  • Initial discovery meeting (for which there is no charge) where we get information regarding your existing benefits and an outline of your own pension objectives and we assess your risk profile.
  • Develop a pension plan tailored to your specific requirements and risk profile
  • Make recommendations to you based on research we have carried out
  • Implement the plan and provide ongoing advice updates and reviews

Pre retirement pension planning

Our objective is to help you build the max pension fund allowable at retirement so that you can enjoy your retirement years. Our pension advice service will help you achieve your pension goals and we tailor our advice process to your specific needs and requirements.

Who do we advise?

  • Company Directors
  • Sole traders/ Self Employed and Partnerships See more information on Self Employed Pensions
  • Professionals
  • Company Executives
  • Employers who are looking to set up pension for employees
  • Employees with existing pension benefits from previous employments , or employees who have been made redundant and looking for advice or employees looking for advice to set up AVC,s or Additional Voluntary contributions

So if you are considering starting a pension plan and you want to get the best independent advice available or you have existing pension benefits , and you are not happy with the advice you are getting or how your pension fund is performing then why not contact us for a pension review.

If you have been made redundant or in the process or being made redundant or you are leaving your employment and want to discuss your options please also contact us for advice.

Post Retirement Planning

Are you someone who is coming close to retirement See more information on retiring soon and want advice as to the best options open to you?. Or are you someone who has, already retired and you are not happy with how your pension is performing or you feel you are getting little or no ongoing advice?.

We are here to help and advice you

What are my Options when I Retire ?

There are various options for you to consider when you retire and we will help you choose the right one for you , generally the options are as follows

1.Tax free Cash , generally either 25% of the total pension fund or up to 1.5 times your final remuneration based your years of service , we will explain these 2 options in more detail at our meeting; 2.Annuity or pension for life , this option will guarantee you a pension for the rest of your life and can include a spouses pension and the annuity can be either level or indexing; 3.Approved Retirement fund [ARF] and Approved Minimum Retirement Fund [AMRF]. see more information on ARF and AMRF

These options are available to most people retiring apart from employees coming with pension benefits coming from Defined Benefit pension schemes.
If you decide to choose this option you must invest a min of €63,500 into an AMRF until age 75 unless you have a guaranteed pension income of more than €12,700 which can include a state pension.
The balance can be invested into an ARF and once you are 60 and over you must draw down a min of 5% per annum from the fund.
The money in the ARF and AMRF is your asset and you will need independent advice in relation to how this money is invested.

We can help you all these options

No matter what your particular pension requirements are we will be able to help and advice you , why not call us today at 01 8700370 for an initial meeting.

Colm Kelly - Financial Planning & Advice

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or a quote?

Call us now on 01 870 0370
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Why Choose Cregan Kelly O'Brien for Pension Advice

Contact Cregan Kelly O'Brien
Financial Planning
Colm Kelly
T: +353 1 870 0370
E: colm@ckob.ie

Insurance
Tommy O'Brien
T: +353 1 883 9020
E: tommy@ckob.ie

Innovative Pension Advice

Planning for your desired lifestyle in retirement is a significant challenge facingpension investment yourself business owners and professionals today. You want to maximise the tax advantages and also your retirement benefits, all in a risk controlled manner. At Cregan Kelly O’Brien Financial Planning, this is what we do.  Whether you want to take control of your pension investment yourself , buy property with your pension fund, or invest in a more traditional fund; Cregan Kelly O'Brien has the expertees, experience and market knowledge. More About Pensions

Our unique combination of experienced financial planning, insurance, accounting and tax specialists within the one firm allows to us brings to gether all the skills necesary to provide the best advice.  Using our unique "On Track" approach, we work together to get to the heart of your financial challenges and devise solutions to suit your unique circumstances.
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Request a Call Back

Need Advice, Information,
or a quote?

Call us now on 01 870 0370
or request a call back

Contact Cregan Kelly O'Brien
Financial Planning
Colm Kelly
T: +353 1 870 0370
E: colm@ckob.ie

Insurance
Tommy O'Brien
T: +353 1 883 9020
E: tommy@ckob.ie

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Get In Touch

Financial Services

Colm Kelly

Tel: 01 870 0370

Insurance Broking Services

Tommy O'Brien

Tel: 01 883 9020

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Unit 2,

Broadmeadow Hall

Applewood Village

Swords

Co. Dublin

Call Us Today on 01 870 0370

++ The value of investments can fall as well as rise, past performance is no guarantee of future results

About Cregan Kelly O'Brien

 

In 2007 Maurice Cregan and Colm Kelly established CK Financial Services to provide independent financial planning and advice to business owners and individuals. Tommy O'Brien, a General Insurance expert, then joined them in 2010, enabling them to meet the full financial needs of their clients. The group has since been renamed Cregan Kelly O'Brien.

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Call us now on 01 870 0370
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