Approved Retirement Funds

Take control of your finances today  01 5267770

What is an ARF (Approved Retirement Fund)?

When you eventually access your pension, and after taking a tax-free lump sum, you will most likely place the balance of your pension in an Approved Retirement Fund (ARF) or Annuity.

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:

  • Flexibility of Income
  • Taxation of Income
  • Ownership of Funds
  • Inheritance Opportunities for Spouse and Family
  • Investment Risk
  • Fees

We believe accessing your pension and setting up an Approved Retirement Fund (ARF) is the start of a process and not the end. You will possibly have your ARF pension as a significant financial asset for the next 20 – 30 years so it’s important you receive valuable ongoing yearly ARF advice.

Guardian Wealth can help you choose the right option. We have the skills and the team to provide expert retirement and pension planning advice. We can formulate a financial plan for you that achieves your personal and financial goals, and most importantly we can explain it to you in a clear and easy to understand manner. We want to take the mystery out of retirement planning and give you a very clear understanding of what you need to do to make sure you achieve financial freedom in retirement.

Want Us To Call You Back?

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

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