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Personal Pension Plan - Pension Advice
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What Our Customers Say

Jan Van Leeuwen, Director with IQ Digital Signage Ltd. Life Goals have provided us with excellent advice and service. I would recommend them unconditionally

Billy Griffin, Director - Artisan Image Solutions Ltd. Life Goals have worked extremely hard to organise a pension backed mortgage for me and secured finance that I don't believe I would have secured elsewhere. They are trustworthy, honest and of the highest integrity. I would highly recommend Life Goals to any prospective client. October, 2009

Volker Lorenz, General Manager, Amadeus Ireland Life Goals have been advising Amadeus Ireland in terms of pension fund management, as well as with staff benefits. I would highly recommend their services to anyone seeking financial advice, both professionally and privately.

Ian Kelly National Sales Manager at John Guest Speed Fit "I am very happy with Lifegoals after meeting with them I certainly feel better and I have a healthier idea of how to plan for the future" September 2011 September 2011

Noel King MD - ECO Seal Insulation Ltd

"I would recommend Lifegoals to any of my friends. After evaluating my current status I maintained my benefits and at the same time gained significant savings."

October 2011

Paul Kearney - Managing Director PK Printing Ltd

"I have been dealing with Life Goals for the last 7 years. In that time I have found their expertise to be hugely beneficial from a tax saving point of view and protecting and maximizing investment returns. I would have no problem recommending them in the future" November 2011

Noel Lynn MD - Wired Technologies Ltd

"I have found Lifegoals professional, friendly and give a great service. I have recommended Lifegoals to anyone who needs their services. It cost me nothing and I gained from meeting with them." November 2011

Martin Stowe, Kilkenny

We have dealt with our Consultant from Life Goals for many years and, throughout that time, his service and assistance has been outstanding in every respect.

When I wanted to purchase Life & Serious Illness Cover, we received excellent advice and every question and concern we had was answered thoroughly. Every detail was explained in a way which we could clearly understand.

When I unexpectedly needed to avail of the Serious Illness benefit 12 months ago, the turnaround time from claim to payment was incredibly swift due to the daily involvement of our Consultant.

Having such a policy in place was of great benefit in my recovery.

I would definitely recommend Life Goals to my family & friends. Their Consultants are personable, understanding and hardworking.

Our Consultant handled this very stressful situation with skill and an incredibly astute sense of the issues. October 2011

Ger O Byrne, Product Manager, An Post

We have dealt with Life Goals for a number of years and during that time have received advice on a multitude of Pension & Investment options. In that time, we have always received good solid advice.

We have full confidence in our Consultant's opinion and product knowledge whenever we are looking for Life Assurance or Investment advice.

If we are interested in specific products, our Consultant researches many options and provide a detailed comparison of each, explaining the pros & cons.

He meets us at our convenience and we prefer the personal touch rather than dealing directly with larger companies.

I would highly recommend the services & advice provided by Life Goals.

A Pension Plan - Explained

The Income that you pay yourself

when / if Income from employment

Stops!

Please scroll for more information

Pension Plan Quote & Calculator

Click on the €

Finding your Best Pension Plan

Personal Pensions Calculator for a personal pension quote. It is very user friendly and will help your understanding of any personal pension gap that you may have and also how to bridge any pension gap over a period of time between now and retirement

Point to Note: The calculator presents your pension scenario from one life and pensions company - we source the best pension plans from all life and pension companies to find the best pensions for our customers.

Get a Quote from all other Life and Pensions Companies

Managing your Pension Investment Risk Profile

Without question, a Pension Plan is a Recipe for Financial Failure if the investment strategy is not managed correctly

Too much investment risk may equal to little financial return. Too little investment risk can mean a pension shortfall

A Formula for Financial Success is using the questions in the table below when setting up a personal pension investment

Personal Pension Plan & Needs Analysis - Key Questions to help build the Best Pension Plan


Assessment	Money Trail	Actions
Income Goals for Retirement Day? Defining attitude to risk with a personal investment risk profile questionnaire? Age next Birthday and available time to build the pension plan? Selected Retirement Day?	Current Income /Increases? Available Budget - starting figure and potential increases over time? Pension Plans- any previous employment /preserved benefits? Entitlement to State Benefits Any existing Pension Plans?	Review of quoations from all companies Decide on date to start Neasure, Review, Manage Phased Investment Strategy No Surprises on Retirement Day

A personal pension investment that is set up without this formula or similiar is a high risk investment strategy!

WITH YOUR MONEY!! Contact Us to help get ths right 1st time

Taking advantage of Pension Tax Relief and Benefits

Personal Pension Plans & Tax Relief

The money paid in to the Plan gets Tax Relief
Investment Returns in the Plan are Tax Free
Tax Free Lump Sum is payable at Retirement
Total Monthly contribution is invested
The actual Cost is net of Tax Relief - see table opposite

100% contribution invested - cost is after tax relief

Monthly Contribution	Tax Band	Actual Contribution Cost
€100	41%	€59
€100	20%	€80

Revenue Commissioners & Tax Rules & Guildelines

There are Revenue Rules and Guidelines to be followed when setting up personal pensions
We are authorised by the Central Bank and qualified professionally to advise you on all of these rules and guidelines
In practice, the revenue rules rarely prevent anybody achieving their personal pension planning objectives
Personal Pensions set up properly and managed correctly are excellent investments for tax free lump sums and income in retirement
Contact Us to help get ensure you continue to get the best tax relief

Useful Links to more information

Please visit other pages on our website with some useful information that may help with pensions and financial planning

Approved Retirement Funds

Pension fund at retirement day

Your Financial Planning

General financial planning at different life stages

Retirement Planning

An overview of pensions

Review new and / or existing Pension Plans

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Your Life Cover & Protection Planning

Your Pensions & Retirement Planning

Your Savings & Investments

Your Business Cover & Employee Risk Benefits

Personal Pension Plan - Pension Advice Get A Quote >>>

What Our Customers Say

A Pension Plan - Explained

The Income that you pay yourself

when / if Income from employment

Stops!

Pension Plan Quote & Calculator

Finding your Best Pension Plan

Personal Pensions Calculator for a personal pension quote. It is very user friendly and will help your understanding of any personal pension gap that you may have and also how to bridge any pension gap over a period of time between now and retirement

Point to Note: The calculator presents your pension scenario from one life and pensions company - we source the best pension plans from all life and pension companies to find the best pensions for our customers.

Get a Quote from all other Life and Pensions Companies

Managing your Pension Investment Risk Profile

Without question, a Pension Plan is a Recipe for Financial Failure if the investment strategy is not managed correctly

Too much investment risk may equal to little financial return. Too little investment risk can mean a pension shortfall

A Formula for Financial Success is using the questions in the table below when setting up a personal pension investment

Personal Pension Plan & Needs Analysis - Key Questions to help build the Best Pension Plan

Assessment

Money Trail

Actions

Income Goals for Retirement Day?

Defining attitude to risk with a personal investment risk profile questionnaire?

Age next Birthday and available time to build the pension plan?

Selected Retirement Day?

Current Income /Increases?

Available Budget - starting figure and potential increases over time?

Pension Plans- any previous employment /preserved benefits?

Entitlement to State Benefits

Any existing Pension Plans?

Review of quoations from all companies

Decide on date to start

Neasure, Review, Manage

Phased Investment Strategy

No Surprises on Retirement Day

A personal pension investment that is set up without this formula or similiar is a high risk investment strategy!

WITH YOUR MONEY!! Contact Us to help get ths right 1st time

Taking advantage of Pension Tax Relief and Benefits

Personal Pension Plans & Tax Relief

The money paid in to the Plan gets Tax Relief

Investment Returns in the Plan are Tax Free

Tax Free Lump Sum is payable at Retirement

Total Monthly contribution is invested

The actual Cost is net of Tax Relief - see table opposite

100% contribution invested - cost is after tax relief

Monthly Contribution

Tax Band

Actual Contribution Cost

€100

41%

€59

€100

20%

€80

There are Revenue Rules and Guidelines to be followed when setting up personal pensions

We are authorised by the Central Bank and qualified professionally to advise you on all of these rules and guidelines

In practice, the revenue rules rarely prevent anybody achieving their personal pension planning objectives

Personal Pensions set up properly and managed correctly are excellent investments for tax free lump sums and income in retirement

Contact Us to help get ensure you continue to get the best tax relief

Useful Links to more information

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& Employee Risk Benefits

Personal Pension Plan - Pension Advice
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