Pensions

It is never too early or indeed too late to start planning for retirement. What is important is to have a plan. You need to consider the type of lifestyle you want to have at retirement and how you are going to fund that. Then form a plan around those goals and consider the options available to you. Retirement planning doesn’t end there though!

Your trusted partner for pension advice

We understand the importance of securing your financial future, especially when it comes to retirement planning. With our expert pension advice services tailored for individuals and businesses across the Republic of Ireland, we’re here to guide you towards a secure and prosperous retirement.

Pensions Advisor

Did you know that...

of workers who don’t have pension coverage are planning to rely on the State pension as their sole source of income in retirement.
0 %
of the working population aged between 20 – 69 have no pension coverage outside of the state pension.
0 %
of workers with no pension coverage will leave it too late to cover their pension requirements.
0 %

Personal pensions

Starting a pension is one of the smartest decisions you can make. It could help ensure a brighter, better future to look forward to.

Selecting the ideal pension plan requires thorough consideration and access to comprehensive information. At Xeinadin Financial Services, we are committed to assisting you in choosing the option that aligns perfectly with your needs and aspirations. Our range of pension plans encompasses:

  • Personal Pension
  • PRSA Pension
  • Retirement Bond


With our guidance, you can confidently pave the way towards a brighter and more fulfilling retirement.

Personal pensions
SME Pension

Retail master trust

A master trust is a pension scheme for multiple employers where employers decide what benefits the pension scheme should provide for their employees and they should do this as they would for their own pension scheme. It is important that employers with existing pension schemes engage with the trustees and advisors as soon as possible to understand the impact of the legislation.

Self-administered pension

These pension plans are suitable for both employees and controlling directors.

It allows you to enjoy the greatest level of control over the direction of your investments, including access to investment in property and structured investment bonds.

Self-administered pension
Pensions Advisor

Retirement

Your retirement is a time you have worked hard for, a time to start doing the things you always promised yourself. To ensure you are able to make the most of your retirement you will want to ensure you are financially independent. Especially since your retirement could last for 20 years or more.

What you can do with the proceeds of your pension plan depends on which employment category you fall into and the type of pension plans you currently hold. Depending on your circumstances there are different options for you to consider at retirement.

You have the option to take a tax-free lump sum and may be able to use the balance to avail of:

  • A pension income for life (an Annuity)
  • An Approved Retirement Fund (ARF)
  • A taxable lump sum

Contact our financial services team

Conor Dillon

Hub Managing PartnerBallsbridge

Anne O’Doherty

Anne O’Doherty

Head of Life & PensionsCork

Craig Donnelly

Senior Financial AdvisorDublin

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Registered Office: 74 Northumberland Road, Dublin 4, Ballsbridge, Dublin, D04XF75, Ireland | Registered in Ireland – Company Number: 736054 | Xeinadin Financial Services Limited is a subsidiary of Xeinadin Group Limited | Xeinadin Financial Services is a trading name of Xeinadin Financial Services Limited. | Xeinadin Financial Services Limited is regulated by the Central Bank of Ireland.