Skip to main content

Approved Retirement Funds

I’m retired. I need investment advice to help me sustain my income in retirement

BOOK A VIDEO CALLMEDIA

Approved Retirement Funds (25 second read)

An ARF is a post retirement product which you use to invest your accumulated pension funds and you can opt to take an ongoing income from the fund.

Managing your investment post retirement is fundamentally different to managing it during your younger years because instead of contributing to the fund you are taking an income from the fund, so the mechanics involved are completely different and the implications of high volatility of returns are more severe. A large fall in the value of your retirement assets will be more detrimental for a person who is taking an income from the fund as when there is a reduction in the value of the fund the withdrawal acts to crystallise some of the loss. If you would like to understand this more fully please read this article.

BOOK A VIDEO CALLCONTACT US NOW

Anyone can set up a pension for you. As Specialist Investment Advisers our main focus will be on investment strategy. If you retain us we will advise you on the following;

  • how the various asset classes work and the expected returns from each
  • the risks inherent in investing and methods for reducing risk which are different for an investor who has gone into drawdown (post-retirement) versus a pension saver (pre-retirement)
  • recommended investment strategy for you and, if you are in drawdown, recommended withdrawal strategy taking into account the need to sustain your fund for your desired term

It is especially important to have an adviser who focuses on investment strategy when you are in the drawdown stage and more so at this stage in the economic cycle.

If you are about to retire or already retired and have an ARF, and you don’t have a strategy for managing it, we can help.

Contact us today on 01 546 1100 or book a no-obligation coffee with us here.

CALL US NOWMEDIA

CONTACT US FOR A FREE NO-OBLIGATION CHAT

By Telephone 01 546 1100
Use the Form on this Page
Book a Zoom call with us here.
Happy to start the process? Click here to complete a factfind and tell us your objectives
The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.

BOOK A FREE NO-OBLIGATION CHAT

By Telephone 01 546 1100
Use the Form on this Page
Book a Zoom call with us here.
Happy to start the process? Click here to complete a factfind and tell us your objectives
The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.

Highfield Financial Planning in the Media

About Highfield Financial Planning

We provide superior advice on Financial Planning services to business owners, professionals and their families. The principal of the firm Eoghan Gavigan has over 27 years’ experience in banking and finance across Treasury, Lending and Wealth Management and is a Qualified Financial Adviser (QFA) and a Certified Financial Planner (CFP). The CFP qualification is the world’s most respected industry designation, held by only a select number of advisers. As Specialist Investment Advisers we can provide you with detailed investment advice on your pensions and investments.

We want you to be comfortable in your dealings with us. We provide a number of suggestions here for ways that you may be able to obtain comfort that we are the right Financial Planner for you.

head shot of Eoghan Gavigan
institute of banking logo
fpsb logo
brokers ireland logo
cfp logo

I would highly recommend Eoghan to anyone looking for expert financial advice. From my first meeting with Eoghan, the level of service has been exceptional. He's extremely knowledgeable, very patient and explains things in way that you can easily understand. I'm delighted with the product he found for me and I hope to be a client of his for years to come.

Gareth M21/9/2020

I dealt with Eoghan regarding my pension. It wasn't a clear cut situation and Eoghan went above and beyond to explain all details and possible scenarios with me. Eoghan constantly kept me updated and aware of any new information without being prompted. Eoghan was efficient, knowledgeable, professional and a pleasure to deal with. I would not hesitate to use Highfield Financial Planning in the future and would recommend this reliable company with confidence.

Patricia Duggan21/3/2022

Eoghan is a pleasure to deal with. Eoghan has a deep knowledge base and is always up to date with latest market developments. I couldn't recommend Eoghan highly enough.

Colm Ryan21/7/2022

As a complete novice when it comes to pensions I was delighted to come across Eoghan. He explained everything that I needed to know and do. He is very professional yet explains everything in ‘lay’ terms. Even during Covid he kept in touch through Zoom and e mail. Thanks Eoghan

Sheila Weller21/5/2022

My partner and I did a financial plan with Eoghan, with a number of scenarios for our future. The final product was very professional, and provided proactive investment and protection options which Eoghan carried out fully for us. We felt it was very good value for peace of mind for our financial future!

Tim Lee21/5/2021

Excellent service provided by Eoghan since I took the decision to take my pension out of the Banks and use a financial advisor to help me maximise incomes from the market. He is always attentive and quick to offer current valuable advice. Happy to recommend Eoghan to anyone interested in getting sound financial advice.

Niall Hearn2/3/2020

For pensions and advice, Eoghan is an expert, professional and thorough. He has a knack for explaining and summarising this important and complex subject in layman's terms. This helps enormously, making you comfortable that you are making the right financial choices for you. He is also a patient and nice guy to deal with.

Bill Glennon18/9/2019

As well as advising me on the performance of my existing personal pension & arranging life insurance policies, Eoghan is also now overseeing our business needs. So far, he has implemented an employee pension scheme & is advising on corporate co-director & key-person insurance. I have found him to be exceptionally knowledgeable and honest and wouldn't hesitate in recommending him to others for either business or personal pensions/investments etc.

Dawn Richardson10/10/2019

We first met when i was made redundant and needed help with moving my pension. Since then, he has advised me on my life insurance policy for my mortgage and helped me to get a much better deal than I had with my bank. He is extremely helpful and I can ask him anything without feeling like it's a stupid question!

Rachel Egan1/2/2020

Want to hear more?

Make contact today and we’ll tell you more about the kind of work we do.
CONTACT USBOOK A VIDEO CALL
Skip to content