Are you worried about the performance of your Pension Fund?

It’s very normal to feel worried about your pension, especially when markets are uncertain or retirement is approaching. We would like to give you a few practical tips that can help ease your mind and give you more control over your money.

Lack Of Ongoing Advice?

We regularly receive contact from individuals and business owners who are unhappy and confused about their existing pension arrangements. If you are looking for some clear, simple, and concise advice about your existing pensions and how they are performing, we are always at the other end of the phone, or just email us at info@guardianwealth.ie

Our aim is to bring some clarity to your concerns quickly and efficiently. No jargon, just solid and clear advice from highly experienced tax and pension advisors. This can all be done very quickly over an initial phone call. Feel free to call us on 01 5267770 or 053 9110380.

You will possibly start to ask yourself questions such as:

Has my pension fallen in value?

Do I need to reduce the risk profile of my fund?

Should I switch into a cash fund until things settle down?

Are there possible high fees on my pension, making things even worse?

What impact will recent events have on my future income?

How exposed am I to more financial market volatility?

Here are some practical ways to review your pension.

Look at where you are now

Check the value of your pension and what funds it’s invested in. Review your most recent pension statement (or request one from your pension provider).

Understand what income you’ll need

Think about the lifestyle you want in retirement and estimate the income you’ll need each year. Compare that with what your pension is projected to give you.

Diversify & review your investments

If your pension is heavily invested in one area, it may carry more risk. Check if your investment mix is appropriate for your age and retirement goals.

Increase contributions if possible

Even small increases can have a big impact over time, especially with tax relief incentives available for pensions.

Get professional advice

A financial adviser can review your pension and give tailored recommendations. They can also check if you’re availing of all tax reliefs. The Revenue rules on pension schemes change, and it is important to have advice on this. We would be happy to give you some advice over the phone.

Keep reviewing regularly

Set a reminder to check your pension once a year. This helps you feel in control without obsessing over short-term changes. Your pension advisor should be offering this service to you.

Testimonials

I have experienced the ups and downs of Pension funds over many years. As I got closer to retirement, I needed to get advice regarding the risk profile of my pension funds as I didn’t want to see it fall in value at this stage of my life. Michael was able to provide practical steps to make sure this risk was reduced for me and I am happy that I am on the right road. They are always at the end of a phone & very accommodating to meet at short notice to discuss any queries that we may have. I do recommend Guardian Wealth to anybody worried about their pension.

Patricia McCaffrey & Frank Cooney

Cooney Architects, Dublin

I had my Pension with my Bank but as the fund grew, I was becoming more and more concerned that I was always dealing with somebody different. I wanted to have a direct line to somebody who could advise me and meet with me as my circumstances changed over time. Michael is my Pension Advisor now and is always at the end of the phone whenever I need him. I am happy to recommend Guardian Wealth.

Marion English

Tir3D Ltd, Carlow

Like most business owners I put most of my energy into making sure my business is successful. Very often that leaves little time to stop and look at my bigger picture financial position, and plan for the future. I have been working with Michael in Guardian Wealth for a number of years now and it’s great to know that he has a financial plan in place for me, and meets with me regularly to make sure I am on track. I am happy to recommend Guardian Wealth.

Nuala Byrne

Burnside Autocyl Ltd, Carlow

What is the next step?

Usually, your first contact with us will be a short telephone call or an email with Joanne in client services. This allows us to understand your situation and let you know how we can help you. A quick phone call or email can often be the easiest way to take the stress out of these decisions.

For most of our clients that initial phone call or email is where they start to get clarity on the right steps to get the most from their Pension.

Joanne will quickly get a handle on what concerns you have in relation to pension performance and see if it is the right thing for you, to schedule a quick call with Jim or Michael. They can give you some advice over the phone or on a video call. You can contact Joanne on 01 5267770 or 053 9110380.

Need Help With Your Pension Performance Strategy Today?

info@guardianwealth.ie

Call Now

01 5267770