Retirement Planning
Secure Your Future with Expert Retirement Planning
Get Your Free Retirement Plan Today!
Retirement Planning Services
PRSAs
Flexible Personal Retirement Savings Account options designed to grow with your changing circumstances.
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Personal Pensions
Customised personal pension plans tailored to your unique retirement goals.
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Paid Up Pensions
Manage and optimise your dormant pension plans effectively.
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AVCs
Maximise your pension and enhance your retirement savings with strategic AVCs.
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Personal Retirement Bonds
Consolidate your pensions into a single, efficient plan.
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Annuity
Secure a steady income stream during retirement with annuity options.
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Approved Retirement Fund (ARF)
Flexible retirement income solutions with ARFs.
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Company/Executive Pensions
Tailored pension solutions for companies and executives.
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We’ll Help You To Navigate The Complexities Of Retirement Planning With Confidence and Ease
At ERM Financial Services, we understand the importance of planning for your future. Since 1993, we have been dedicated to providing trusted financial advice to our clients. Our retirement planning services are designed to help you navigate the complexities of preparing for retirement with ease and confidence.
Expert retirement advice tailored to your needs.
Detailed retirement reviews covering fund allocations, investment strategies, and risk assessment.
Access to a wide variety of retirement products to suit your financial goals and risk appetite.
Trusted since 1993.
Book a consultation with one of our retirement planners today, via our contact form, via sales@ermfinancialservices.ie or call on 01 845 4361.
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Retirement Review
Detailed Assessment And A Roadmap For Retirement
We conduct a thorough review of your existing retirement plans, including your risk profile and where your funds are invested. This detailed assessment helps ensure you are on the right track to meet your retirement goals.
Comprehensive Evaluation & Review Old/Current Pension Plan
Regular reviews of your pension are crucial to make sure it’s performing as expected. Our comprehensive review service takes a deep dive into your current pension status, growth trajectory, and flags any adjustments needed. We empower you with clear, concise advice to make any necessary changes and keep your pension performance on track.
Make Sure You’re In The Right Fund With A Risk Assessment
Our risk assessment services ensure that your retirement funds are allocated in a way that matches your risk profile. We provide more regular reviews to make sure your investments are performing well and that you are not exposed to undue risk.
How It Works
Getting started with ERM Financial Services is simple.
Step 1: Consultation
Speak with one of our friendly retirement advisors to discuss your retirement goals and current plans.
Step 2: Retirement Review Call
We’ll conduct a comprehensive review of your current retirement plans, including fund allocations, investment strategies, and risk assessment.
Step 3: Personalised Retirement Roadmap
Based on our review, we’ll provide you with a tailored plan to secure your financial future.
Step 4: Ongoing Support
Continuous guidance to ensure your retirement plan remains on track and adapts to any changes in your circumstances.
Personal Retirement Savings Account (PRSA)
Flexible Savings for Your Future
Personal Retirement Savings Accounts (PRSAs) offer a flexible and tax-efficient way to save for your retirement. Whether you’re self-employed, changing jobs, or simply looking for a more adaptable pension plan, PRSAs provide the flexibility you need to ensure your contributions continue to grow.
With a PRSA, you can enjoy tax relief on your contributions, tax-free investment growth, and the peace of mind that comes with a plan tailored to your personal circumstances. These accounts are designed to adapt to changes in your life, making it easier to stay on track with your retirement goals.
Embrace flexibility in your retirement plan with our PRSAs.
Personal Pensions
Tailored to Your Needs
Your retirement should be as unique as you are. At ERM Financial Services, we offer customised personal pension plans that align with your lifestyle and future goals. Our expert advisors work with you to develop a plan that balances growth and risk, ensuring a steady income during your retirement.
Personal pension plans are ideal for individuals seeking a high degree of control over their investments. Whether you’re planning to travel, start a business, or simply enjoy your leisure time, a personalised pension plan can help you achieve your retirement dreams.
Create a retirement as unique as you are. Begin your custom Pension Plan journey today.
Paid Up Pensions
Optimising Dormant Funds
If you have old pension plans that are no longer being contributed to, our paid up pensions service ensures these dormant funds are still working hard for your retirement. We help you manage these plans effectively, optimising their performance to boost your retirement income.
Paid up pensions can often be overlooked, but with the right management, they can significantly contribute to your retirement savings. Our advisors will review your paid up pensions, providing clear advice on how to maximise their value.
Make your paid up pensions work for you. Schedule a consultation today.
Additional Voluntary Contributions (AVCs)
Enhance Your Retirement Benefits
Our Additional Voluntary Contributions (AVCs) allow you to supplement your pension and potentially enjoy more substantial benefits at retirement. AVCs provide flexibility and tax efficiency, making them an excellent choice for those looking to top up their existing pension provision.
By making additional contributions, you can enhance your retirement income, ensuring you have the financial security to enjoy your retirement years fully. Our advisors will help you determine the best AVC strategy for your needs, maximising the benefits of your additional contributions.
Amplify your retirement benefits with our AVCs. Take the first step today.
Personal Retirement Bonds
Simplify Your Pension Management
Personal Retirement Bonds (PRBs) are ideal for consolidating pension benefits from previous employers into a single, efficient plan. This makes managing your retirement funds simpler and more straightforward, allowing you to keep track of your savings more effectively.
By consolidating your pensions into a PRB, you can reduce administrative complexity and potentially improve the performance of your retirement savings. Our advisors will guide you through the process, ensuring your funds are managed in the most beneficial way possible.
Simplify your pension management with a Personal Retirement Bond.
Annuity
Guaranteed Income for Life
Annuities provide a reliable and steady income stream during retirement, offering financial security and peace of mind. At ERM Financial Services, we help you understand the various annuity options available, ensuring you choose the best one for your needs.
With an annuity, you can convert your retirement savings into guaranteed income for life. This can be a crucial component of a well-rounded retirement plan, particularly for those seeking to mitigate the risk of outliving their savings.
Secure your retirement income with our annuity options.
Approved Retirement Fund (ARF)
Flexibility and Control in Retirement
Approved Retirement Funds (ARFs) offer a flexible way to manage your retirement income. With an ARF, you can continue to invest your pension funds post-retirement, drawing down income as needed while your investments continue to grow.
An ARF provides greater control over your retirement funds compared to traditional annuities. This flexibility can be particularly beneficial for those who want to tailor their retirement income to their changing needs and circumstances.
Explore the benefits of an Approved Retirement Fund.
Company/Executive Pensions
Comprehensive Solutions for Businesses
At ERM Financial Services, we provide tailored pension solutions for companies and executives. Our services include setting up and managing executive pension plans, group pension schemes, and more, ensuring that both employers and employees benefit from secure and effective retirement planning.
Company and executive pensions are designed to attract and retain top talent, offering valuable benefits that contribute to financial security in retirement. Our expert team works closely with businesses to develop customised pension strategies that align with their goals and objectives.
Explore our tailored pension solutions for companies and executives.
How to Retire Early
We provide personalised strategies designed to help you retire earlier than the traditional retirement age range. Our experts tailor these strategies to your specific financial situation.
Why Choose ERM Financial Services?
Financial Advice Designed Around You!
Experience: Over 25 years in the financial industry.
Expertise: Highly qualified retirement advisors dedicated to your financial success.
Personalised Service: Custom solutions tailored to your unique financial needs.
Trust: A reliable partner with your best interests at heart.
Get Started
Book Your Free Retirement Planning Consultation
Phone: (01) 845 4361 | Email: sales@ermfinancialservices.ie