Guardian Wealth

Executive pension plans

Why Choose a Director’s Pension? Build your retirement fund while lowering company tax liabilities. Move cash from your business to your personal name efficiently. Benefit from generous tax relief on contributions. Secure income for all stages of your future and your family’s future. Plan your succession or retirement exit on your terms.

Investment Planning

Investment Success Depends on Strategy, Our service includes: Risk Tolerance - Match investments with the level of risk you are prepared to take Financial Goals - Short-term vs. long-term planning Diversification - Spread risk across different assets Tax Implications - Know the tax treatment of each investment Expert Investment Advice - Financial guidance maximises results and reduces mistakes

Personal Retirement Savings Account (PRSA)

A Personal Retirement Bond (PRB), also known as a Buy-Out Bond, is a pension policy established in your name. It allows you to transfer the value of your benefits from a previous occupational pension scheme into a pension in your own name, giving you full control over your retirement funds. Key features include: Ownership: The PRB is registered in your name, providing autonomy over investment decisions. Flexibility: Choose from a range of investment options to suit your risk appetite and retirement goals. Portability: Ideal for individuals changing jobs or whose company pension schemes are winding up. Accessibility: In some circumstances, you may be able to access your PRB from aged 50 years.

Transfer of Your UK Private Pension(s) to Ireland

The Irish Revenue will allow the transfer of UK private pensions that is part of an occupational pension scheme in the UK. It can be transferred to a Personal Retirement bond or Personal Retirement Savings Account. If you have lived or worked in the UK at some stage of your career, you may have a UK pension. If you are now living and resident in Ireland, you may want to bring your pension here. To transfer your Private UK Pension from the UK back to Ireland, you will need to transfer it to a QROPS Scheme (Qualifying Residential Overseas Pension Scheme) which facilitates Pension transfers from the UK to Ireland. For many years we have been arranging such transfers from the UK to Ireland and we can help you figure out the quickest and easiest way to get it done. Each new case can be different and have a lot of revenue rules, we can address and simply this process for you.

Self Employed Pension

The Earlier You Plan, The More You Gain Reduce your current income tax bill while saving for the future. Have control over your retirement by putting money into a pension. The sooner you start, the more time compounding has to make your money grow.

Defined Contribution Pension

Take control of your pension by transferring it to a more flexible or better-managed plan. What Is a Defined Contribution Pension? A defined contribution (DC) pension plan is a retirement savings plan where an employee and/or employer may contribute a set amount, typically a percentage of the employee’s salary, to an individual account. Your retirement outcome depends on: The total amount of contributions made. Any fees and charges you have to pay out. Annuity rates at retirement. When Can You Transfer A DC Pension? Changing Jobs: If you change jobs, you can often transfer your DC pension to the new employer scheme. Switching to Self-Employment: Moving to a self-employed role or another job might lead you to transfer your DC pension to a personal pension such as a PRSA for example. Consolidating pensions: If you have a number of pensions from different jobs, you might want to consolidate them into a single plan. (You will need financial advice here to see if this can be done) Personal Preference: Some people prefer the flexibility and control offered by a personal pension.