Planning For Retirement After decades of working and saving, you can finally see retirement on the horizon. However, there are a number of things that you must know or do before retirement. If you are planning to retire in a few years, you should consider taking these steps today to help ensure that you have…
What is an Executive Pension ? This is a Revenue approved tax-exempt Pensions savings scheme suitable for a business owner/ Director and key employees of a limited company who wants to build a retirement fund from surplus company profits and reserves. For Whom is Executive Pension Suitable ? Owner Director Key Employee / Co-director How…
Retiring in Greece In recent years Greece has become a popular retirement destination for many Irish and Northern Europeans. Greece has a very attractive climate, with hot summers and mild winters, together with delicious food, a thriving local culture, and an abundance of historic architecture. Residence Permit If you plan to retire in Greece, you…
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Why €400k is an Optimal Private Pension Fund for a Married Couple in Ireland A question I am often asked about financial advice for couples is what sum we should target in our pension funds at our expected retirement at 65 years age. When I reply that an optimal joint Pension fund is €400,000, I…
If you are between 40-60 years of age and worked in the private sector, you may be fortunate enough to have a ‘Defined Benefit’ (DB) Pension, i.e. an occupational pension from a previous employer that amounts to a promise (not a guarantee) to pay a future retirement benefit annually (based on years’ service and salary).
Estate Financial Planning also known as Inheritance Tax Planning is the act of preparing for the transfer of a person’s wealth and assets after their death. All assets, not limited to but including, life insurance, pensions, property, cars, personal belongings, and debts are all part of one’s estate. As much as we covet our assets,…
Believe it or not there is such a thing as Sudden Wealth Syndrome (SWS) and if you’re reading this, you may be wondering how to manage sudden wealth. I can imagine that many would want to catch this syndrome – it is definitely one of the better ones to get, in the grand scheme of…
If you are 50 years of age or over and hold a Defined Benefit (DB) Pension, chances are you are paying more and more attention to your annual Pension statement. You may be wondering, are pension transfer values going up? The Transfer Values (TV) of many DB Pension schemes have increased materially in recent years,…
Estimating the Transfer Value of your Defined Benefit (DB) Pension Scheme If you are fortunate enough to have a Defined Benefit Pension, you will have seen your transfer value increasing in the past few years. There is no simple way to calculate the transfer value of a Defined Benefit Scheme. The calculation involves any factors…