You can do your saving personally, either through a personal pension, PRSA or AVC (free standing). Or you can save through a company, with an executive pension, company scheme or AVC (via scheme).

Changing careers, redundancies and pension scheme windups can imply your benefit in a pension scheme is restructured and possible a fund is transferred out of the scheme and set up independently on your behalf. This complex area has potential for considerable loss to you as you are swapping one benefit for another.

Having spent years saving your retirement fund, it’s worth spending a few hours to find the best way of funding your retirement. For many, that will be the traditional annuity route i.e. income for life. Others may wish to explore post retirement investment through Approved Retirement Funds (ARFs). We can talk you through this choice and he can recommend the most appropriate course of action for you.