A pension is, without doubt, the single most tax efficient investment you can make. It’s never too late to start and even minimal contributions can result in gains that will benefit you in the future.
Regardless of what age you retire at, it’s important to understand what your financial situation will be. Nobody wants to look towards their retirement worried about covering day to day costs. We want our retirement to be a time when we can be free to focus on the things that matter to us. As it stands, the State Pension is just over €13,000 annually. Is that enough for you to live off when you decide to stop working?
STARTING A PENSION
Whether you are an employee, self-employed or a company director, we can help you build a plan for the future you want. The key thing is to understand what your retirement goals are and what plan you need in place in order to achieve it. At Lynx Financial Services, we help our clients with pre and post retirement planning. Everything from pension selection to annual reviews – we have you covered.
When you first meet with our team, we get into the nitty gritty of your retirement plans, build a suitable plan, outline the most suitable pension product options, and arrange annual reviews to ensure that everything is going to plan as the years roll on.
It costs nothing to have a chat with us and start putting a plan in place, so schedule a call or drop us an email today. The sooner you start, the sooner your pension starts growing.
HELP WITH EXISTING PLAN
The nature of work today has changed. As a result, many of us have multiple employer pensions invested. If you worked abroad, you may still have a pension in that country.
We help our clients locate existing pension products, explain how they are performing and if consolidation is the best option. If you have multiple pension pots, consolidating them into one may not always be the best strategy. Having two or three separate pensions from different employers can provide flexibility, allowing you to access a lump sum from one while preserving another for later retirement.
When it comes to performance, over time, your appetite for risk may change and as such, you may wish to amend your investment strategy – we can help with this too!
Whether it’s a personal pension, self employed or executive pension scheme you have options, and we can help you understand what they are and what will work best for you.
Your pension can be one of your biggest assets in life, make sure you have clarity and confidence in yours, and that you are on the right path.
RETIREMENT PLANNING
The team in Lynx Financial Services is always thinking ahead! We work with clients to ensure they make the most of their hard-earned pension savings. If you decide to work with us, we’ll ensure there’s a tailored plan – just for you. As you approach retirement, you’ll face crucial decisions about your pension fund. We ensure you have all the facts, and we provide valuable insights to help you make informed choices.
When approaching retirement, you will have the option to access a tax-free lump sum or an option to reinvest your savings to generate a regular income. By carefully considering your financial goals and risk tolerance, you can create a retirement plan that ensures your savings work hard for you.
COMPANY
EMPLOYEES
You may have no pension, or you want to add overtime or bonus payments to your pension. There are 3 main options here (PRSA, PPP or AVC) and we can help you to choose the right one and get set up.
BUSINESS
OWNERS
Most business owners have enough to worry about, don’t let retirement be one of them. Get in touch today and we can create a plan that works for you and your future.
SELF EMPLOYED PROFESSIONALS
Pensions are one area where the self employed individual doesn’t miss out vs the rest! All the tax incentives are there for you, understand your options (PRSA, PPP or SAPS), get it set up and start reaping the benefits.
Why Choose Lynx Financial Services?
GAIN
Benefit from the tax efficiencies and investment returns of pensions savings
CONTROL
It’s your money so you control where it’s invested, the level of risk and how much you contribute.
CONFIDENCE
It doesn’t have to be complicated. Good advice means you can have a clear plan and be confident in it.
OUTCOMES
Maximise the benefits available and enjoy the outcomes with proactive advice and annual reviews.