Retirement Planning

Retirement Planning
Starting a pension is one of the smartest decisions you can make. It could help ensure a brighter, better future to look forward to. When you’re choosing a pension, having all the information you need is key. So we’re here to help you select one that’s right for you.

Pensions are made over-complicated by an industry which uses a lot of jargon! Very simply, they are just savings plans with great tax benefits.

The advantages are three-fold:

  • You get 20% or 40% refund (Tax relief) on the payments you make – depending on whether you are earning more than the standard rate threshold.
  • Your fund grows Tax Free.
  • You get a portion (typically 25%) of the fund Tax Free when you retire.

Most of us know it is advisable to have a Pension independent of the state, but 50% haven’t got one (1 in 2 of us) or even if we do, it is underfunded.  We ensure that fees are transparent and we shop around between the various providers to get the most competitive rates, tailored to your needs.

Want to find out more – View this from one of our product providers

IF you are in your 30’s and want to find out more – watch this 1 min video – click here

IF you are in your 40’s and want to find out more – watch this 1 min video – click here

IF you are in your 50’s and want to find out more – watch this 1 min video – click here

Did you know that it costs almost twice as much (every month) for every 10 years you delay starting a Pension?

Personal Pension Plans

When it comes to pensions, we believe in choice and flexibility so it’s important to find a pension that matches your lifestyle and expectations for the future. There are a number of options available to you. You can opt for a Personal Pension Plan, a PRSA (Personal Retirement Savings Account) or Self-Directed Pension and much more.

Preparing for Retirement

Your pension means different things depending on whether you’re starting to save for your pension, planning your retirement or have recently retired. The best way to ensure the lifestyle you want in retirement is to take ownership of it now so that hopefully by the time you retire you’ll have built up a substantial pension pot.

Use our Pension Calculator here to find out how much you should be saving.

Why Alpha Wealth ?

We make the process straightforward

  • We ensure you are given the right option(s)
  • We advise you as to how much Tax free cash you can receive
  • We help in guiding people as to what they should be aiming for as a “Pot”
  • Projections at chosen retirement age
  • Assess the correct RISK level

Pension Calculator