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A guide to a PRSA.
Planning to have sufficient income when we retire is a concern for the majority of us.
At Integrated Financial Services we offer a wide range of services on retirement.The current Old Age Pension which will kick in for some at age 65, others 66 and for those who are under 50, it may not be until age 68. The current Old Age Pension is in the region of €230/week and this is an entitlement for the majority of people who qualify.
The worry is that because the OAP is funded from current state income (there is no fund as such) that the state may not be able to pay these pensions in the future.
On the assumption that people are entitled and will receive a base line pension (€230/week) the issue then is whether this is sufficient to live on.
Any excess income must be derived from a menu of options:
- Sale of Business
- Income from Investments
- Family Contributions
- Part-time work
- Sale of assets
- Occupational Pension Scheme
- Personal Pension Plans
Putting a plan in place may entail using some or all of the above menu and as pension advisers we can put the structures in place to ensure you meet your goal (whatever that may be).
We will provide retirement and tax advice to you that best suits your employment type whether it be:
- Self Employed
- Public Sector
- Company Employee
- Company owner/director
To talk to one of our specialist advisors please call 091 530016 or get in touch with us via contact us section.