Tom McLoughlin

Tom is a Senior Financial Planner with more than 25 years’ experience within the Pensions Industry, initially working on Corporate pensions, (managing IBM Ireland & UK DB & DC pensions, and later with Russell Investments & GSK plc).

‘Since 2018 I focus on providing financial advice to both individuals and businesses build their pension & other wealth. I now have a very successful 8 year track record adding value by materially improving pension & investment outcomes, with a special focus on Investments, and Wealth & Tax planning. I cover all stages of retirement planning from accumulating funds, to advising on options available on leaving service or retirement date.

One of my focus items is managing the transfer from Group to Personal Pension arrangements, as well as advising on Redundancy packages’

My own many years’ experience working with both Trustees and members of Group Pensions has demonstrated that members can greatly add value by transferring into personal Pension arrangements, where you can materially enhance pension income/wealth and to better align with your own & your family interests’.

1. Defined Benefit – with a deep understanding of DB pensions, I I target & deliver personal ownership, improved capital values, higher tax free cash, enhanced flexibility, and crucially superior retirement income (from PRB, PRSA/ARF structures.

2. DC Members – my main focus is delivering superior investment growth under a personal arrangement, far ahead of the typical Lifestyle or other Group arrangement, and positioning customers for their future retirement.

3. ARFs – Many of the above people have converted into Approved Retirement funds, with a proven track record of targeting & achieving greatly improved retirement incomes.

4. Redundancy – this is often a common feature when changing employment, but also interacts heavily with Pensions management, and managing opportunities for tax free cash.

5. General Retirement Planning – as well as planning for Pensions, there are a number of important factors to consider including Retirement Relief & Entrepreneurs Relief for business owners.