How do you build a pension that actually covers your retirement?

The State Pension (Contributory) pays a maximum of €299.30 a week for someone drawing it down at 66. For most people that is a basic amount, not a plan for the future. The question is how much you need in addition to that amount, and whether what you have already put aside is doing the job you think it is. Lynx Financial Services has advised individuals, families and business owners on pensions for more than 25 years.

• Starting a pension: For employees, company directors and self-employed professionals, including PRSA, personal pension and AVC options, and what tax relief is actually available to you.
• Reviewing what you already have: Tracing pensions left behind with former employers, explaining how each is performing and working out whether consolidating them helps you or costs you flexibility.
• Planning retirement income: Deciding how to take a retirement lump sum, how to generate an income afterwards and how to keep the plan under review as you get closer.

Your pension can be one of your biggest assets in life, make sure you have clarity and confidence in yours, and that you are on the right path.

We work with clients to ensure they make the most of their hard-earned pension savings. If you decide to work with us, we’ll ensure there’s a tailored plan – just for you. As you approach retirement, you’ll face crucial decisions about your pension fund. We ensure you have all the facts, and we provide valuable insights to help you make informed choices.

When approaching retirement, you will have the option to access a tax-free lump sum or an option to reinvest your savings to generate a regular income. By carefully considering your financial goals and risk tolerance, you can create a retirement plan that ensures your savings work hard for you. Afterall, you’ve worked hard all your life.