Whether you’re just starting or nearing retirement, we’ll help you make the most of your pension.
Are You Confident Your Pension Will Fund The Retirement You Want?
Many People Don’t Know The Following:
Expert Pension Planning Services Tailored to You
It is convenient to delay planning to be financially secure in later life. We can help you start your own pension where you can regularly put money away and get tax relief on it.
If you have past employer pensions, or pensions in the UK or an existing personal pension you want a second opinion on, it can be well worth getting advice on this and consolidating what you have.
Once you have invested money, it is crucial to review your pensions performance, charges you are paying and ensure the pension structure is right for you. This will allow you to make changes if required.
Based on your age, circumstances, if you are an employee, sole trader or company director, the tax relief and the amount you contribute will vary. We assess each client on a case-by-case basis and offer advice for their situation.
This is the part we enjoy the most at Guardian Wealth: helping you with a tailor-made pension plan to secure your future and ensure you and your family always have an income, and reduce the amount of tax you will pay.
We specialise in helping company directors maximise tax efficiency, and offer tailored pension solutions to align with your business goals and exit plans.
Before you finalise your decision on which options to choose when accessing your pension, you will need to understand how to maximise your tax-free lump sum entitlement.
A Personal Retirement Bond (PRB) is a personal policy that is set up to transfer the amount you have in a previous pension into a policy in your own name. It allows you to take personal control of your pension funds when you move jobs.
Jim Doyle brings over 30 years of experience in financial and client advisory services. A qualified Accountant and Financial & Investment Advisor, Jim has built a career grounded in trust, expertise, and a deep commitment to client success.
Before founding his own accountancy practice in 2002, Jim held key accounting roles in multinational companies including Kerry Group and GlaxoSmithKline, both in Ireland and the UK. This diverse background has equipped him with a broad perspective and a practical understanding of both corporate and personal finance.
Jim specialises in tax and pension planning, using his extensive knowledge to deliver tailored, high-quality financial solutions. His approach is client-focused, ensuring that each individual or business receives advice that is both strategic and personal.
A passionate advocate for lifelong learning, Jim is dedicated to staying at the forefront of the financial industry and sharing that knowledge with clients and peers alike.
Outside of work, Jim keeps active playing tennis and proudly supports his three sons in their hurling and Gaelic football championships—interests that reflect his strong connection to community and family.
Qualifications:
Joanne has been with us since 2010. She has over 25 years experience in Customer Relations, Sales and Marketing in the business to business sector. Joanne, having being self employed understands the everyday challenges that business owners face and enjoys talking to several business owners every week to see if we can support them and make their financial situation better.
If you are contacting Guardian Wealth for the first time, chances are Joanne will be the first voice you hear. Joanne is responsible for all of our Marketing activity and also acts as a point of contact for our clients.
Outside of work Joanne enjoys swimming and walking her doggie “Jupi” singing in a community choir and supporting her local hurling team and Wexford Senior Teams. Joanne is passionate about her community and works with Wexford County Council to get funding for projects that benefit the community.
Qualifications:
Individuals, those about to retire, Sole Traders and Business Owners.
We deal with most of the main insurance companies on your behalf. These include Zurich, Irish Life, Aviva to name but a few
20+ years helping clients maximise retirement outcomes
Clear, Concise, jargon-free recommendations
Ongoing Support and Annual Reviews
Drawing down my Pension was a big financial decision and I was very happy I chose Guardian Wealth. Michael clearly explained my options to me and dealt with my insurance company to make sure it went smoothly. I now meet with Michael every year to make sure my retirement plans are on track. I have no hesitation in recommending Guardian Wealth’
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.
I would like to sincerely thank you and the rest of the team at Guardian Wealth for the professionalism and due diligence in facilitating my pension transfer from the U.K. You yourself & Stefan carried out your duties in an exemplary manner, always returning calls and emails (a rare thing unfortunately these days but one to my mind which sets Guardian Wealth and yourself particularly high in customer relations). I would have absolutely no hesitation in using yourselves again or recommending you to others.
A retirement plan is not as easy as it seems, there are a number of factors to consider such as lifestyle, living expenses, your career choice, retirement age, state pension contributions, any inheritance you may receive and other sources of income and inflation. We can help you figure this out quickly and create a personalised retirement plan and determine the most accurate financial estimate for your specific situation.
In most cases, a personal retirement bond is the best option, as it is a simple straightforward way to take your pension entitlement with you when you change jobs. This will allow you to take personal control of your money. Obviously everyone’s financial situation varies, we would be happy to help you choose the right option.
Yes you will receive tax relief on pension contributions. Based on your age, circumstances, if you are an employee, sole trader or company director, the tax relief and the amount you contribute will vary. We look at each client case by case and offer advice for their situation.
It is very important that at least once a year you are reviewing the performance, charges, fees of your pension(s). Global situations and markets change alot. If you have a pension broker then reviews, tax advice, and ongoing monitoring of your pension performance and structure should be part of their service to you. If you do not have a pension advisor, or would like a better service, feel free to contact Joanne here on 01 5267770 or 053 9110380.
Whether you’re looking to save long-term, invest a lump sum, maximise tax reliefs or access your pension at retirement, we can help you understand and guide you through every step. 
