Personal Retirement Planning Advisor
Specialists in Pension Planning for a Secure Retirement
Pension Planning with GSB Capital
GSB Ireland’s retirement planning services are designed to provide financial security and peace of mind as you transition into retirement. Our expert advisors help structure your finances and optimise pension contributions, ensuring steady progress toward a secure and fulfilling future.
Whether you’re self-employed, employed, or a company director, strategic retirement planning allows you to embrace your later years with confidence. Our pension specialists offer comprehensive services to make this transition seamless, giving you the freedom to live comfortably, explore your passions, and enjoy long-term financial stability.
GSB Retirement Planning Services
Ireland’s state pension can provide a modicum of financial security in your latter years, but many prefer the added peace of mind of professional and personal pension planning as a hedge against the cost of living and to enjoy greater financial freedom. Our pension advice services include:
Past Pension Management
Throughout your working years, your pension contributions may have been steady or sporadic. Our retirement planning specialists can determine your past and current contributions, assist with pension transfers, and manage your pension scheme efficiently.
New Pension Management
Early pension contributions are always best for long-term financial success, but it’s always a good idea to have a well-optimised pension scheme that fits within your budget and aligns with your financial goals for a stable and secure future.
Additional Contributions
Take advantage of the enormous power of compounding interest by making early and consistent Additional Voluntary Contributions to your current pension scheme and maximise your long-term financial security when it’s time to formally retire.
Client Success Stories
Pension Planning Case Study
Pension Savings Increased by €98,900 in 2 Years
Andrew from Dublin transferred his pension to GSB in May 2023. With our help, he switched to index funds, which track markets directly. While maintaining the same risk level, he increased his savings by €98,900 in two years.
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Our Personalised Retirement Planning Process
Planning for your retirement all starts with a professional retirement financial advisor from GSB Ireland. Our private pension planning in Dublin is designed to cater to your unique circumstances and needs. Here’s how it works:
Every journey starts with a single step, and the path to a successful and peaceful retirement starts with an initial consultation with GSB Ireland. Our retirement planning specialists will determine your financial needs and goals to develop a robust, personalised plan. Schedule a consultation by contacting us today.
Following our initial consultation with you, we’ll perform a thorough analysis of your current pension funds and contributions as well as your current retirement savings. Our financial advisors will consider your unique circumstances and financial success goals.
Our financial advisors will assemble a comprehensive retirement plan that accounts for your needs and circumstances. This tailored retirement plan will also consider risk management strategies that account for your risk tolerance and financial goals.
Your investment and pension strategy is put into action and you can resume making regular contributions in accordance with your pension strategy.
Routine monitoring and evaluation of your pension plan helps to ensure that your pension strategy is yielding the desired results whilst also enabling our financial advisors to make any necessary adjustments to account for changes in your circumstances.
Frequently Asked Questions about Retirement Planning
In Ireland, pension management fees are typically deducted from the pension holder’s fund. It is likely that you are already paying these fees, often with minimal support from your provider or consideration of your specific circumstances. Working with a broker, the percentage can vary, but is no different in terms of fees—annual management charges, fund management fees, and other ancillary costs are usually deducted automatically on an ongoing basis. However, a broker provides valuable support to tailor your pension to your financial goals, optimize your investments, and simplify the management process.
This can vary significantly and should decrease as your savings grow. At the upper end, you should never be paying more than 1.5% per annum, and all of your money should always be 100% invested. As with anything in life, lower fees may mean receiving less in return. However, the net outcome of your pension growth is the most important factor, and it is often compromised if investments are not managed effectively or aligned with your goals and timelines.
Providing a pension is a legal service that comes with a duty of care and legal liability for the provider. It is never free. In some cases, your employer or former employer may cover the cost if they have contributed to the pension. However, even then, the investments within the pension are subject to charges, commonly known as the Annual Management Charge (AMC). As service providers, they incur costs and have a legal duty of care, all of which must be funded and profitable. While you may have low fees, you could still experience poor growth or an investment strategy that is misaligned with your overall financial position and the timeframe in which you plan to access your pension.
Providers may offer reduced charges for larger pensions; otherwise, their pricing structures tend to be fairly uniform. GSB Ireland has access to the leading providers in Ireland and can compare pricing and options on your behalf, much like a price comparison service.
The right retirement financial advisor for your needs must provide tailor-made solutions that account for your unique financial needs, goals, and circumstances. Some things to look for when searching for the best pension advisor in Ireland include: a track record or experience in managing pension funds for individuals and organisations, clear communications, and membership with professional financial planning bodies.
What Truly Sets Us Apart
Tailored Solutions
GSB Ireland is client-centric and all of our retirement planning solutions are tailor-made to the unique financial circumstances and goals of our valued clients. We create retirement strategies that are attainable, reasonable, and resilient.
Expert Advisors
Our professional financial advisors in Dublin and around Ireland have a wealth of industry experience serving individuals and organisations of all sizes from across Ireland. Clients trust our qualifications and expertise for their pension schemes and retirement planning.
Proven Results
We’re committed to creating, protecting, and growing wealth and we believe that everyone should benefit from a good investment. Our retirement planning solutions provide measurable outcomes, client satisfaction, and success in retirement.
Testimonials
Hear from our clients about their experiences with our retirement planning specialists.