Approved Retirement Funds

Take control of your finances today  01 5267770

What is an ARF (Approved Retirement Fund)?

Approved Retirement Funds (ARF) & Accessing Your Pension

After many decades of building your pension you are about to make one of the biggest financial decisions of your life – Accessing Your Pension.

Decisions with far reaching financial and emotional results need to be made with a clear understanding of how decisions made now will affect you, and your family, for the rest of your life.

You only get one chance to do it correctly. You need to make sure you:

  1. Get as much as possible as a tax-free lump sum, then
  2. Make the right decision when choosing between an ARF or an Annuity, and
  3. If you choose an ARF, make sure you have the right ARF to deliver you sufficient sustainable income for the next 20 – 30 years.

An Approved Retirement Fund (ARF) is a personal retirement fund where you can keep your money invested after retirement, as a lump sum. You can withdraw from it regularly to give yourself an income. It allows you to retain ownership of your funds in retirement. We can guide you through the advantages and disadvantages of Annuities and Approved Retirement Funds.

Typical considerations include:

You Need Somebody You Can Trust:

Finding somebody you can trust to help you make these crucial decisions is not easy. We understand that. We know you are afraid of making incorrect decisions or worse, getting substandard advice.

According to our existing clients, who trusted us to deliver a solution for them, after talking to us they felt informed and confident they were making the best decision for themselves and their family.

Why might you place your trust in us?

  • We advise clients on in excess of €75 million of Pension and ARF Funds.
  • We are not tied to any particular ARF Provider, we will find the ARF Fund that suits you best.
  • We have been successfully advising clients since 2005
  • We have existing clients all over Ireland who will vouch for our professionalism and service
  • We take pride in what we do, and we would love for you to eventually be confident enough to recommend us to your friends and associates
  • We will show you all fees that will apply to your ARF before you make any final decisions

Want Us To Call Or Email You Back?

I have read and agree to Guardian Wealth's privacy policy.

What Do I Do Next?

We want to take the fear and mystery out of this whole process for you.

If you fill in the form we will call you at a time that suits you. You can give us an overview of your situation and we will be able to tell you if we can be of assistance or not.

We look forward to talking to you.

All The Team at Guardian Wealth

How can we help you?  Why Not Fill In The Form And We Will Call You Back

Our Trusted Partners


I always found them to be ethical, client focused and more than willing to go the extra mile for me.
Michael has always fulfilled his initial commitment to undertake regular reviews and engage in proactive meetings which keep me well informed. I have no hesitation whatsoever in referring them on to someone looking for a client-focused financial advisor.


Pharmacist, Kilkenny

Take control of your finances today   01 5267770