Retirement Planning

A simple quiz to get you started

Do you know when you are going to retire?


Do you know the Current Value of your pension fund?


Do you know the Maturity Value of your fun when you retire?


Do you know how much capital you will require to sustain a reasonable standard of living in retirement?


Efficient Financial has extensive expertise in providing pension advice.

Whether it be in planning and saving for future retirement, or determining how best to take benefits at retirement.

Pension legislation is a complicated area, deciding on the most effective way to fund for retirement, needs careful consideration and professional advice.

We are also very experienced in establishing and managing Self-Invested Personal Pensions (SIPPs), Self-Invested Executive Pensions, Small Self-Administered Pensions, Occupational Schemes and helping clients to consolidate existing pension arrangements (where appropriate) into an arrangement that can then be invested in a more cohesive way.

"A year from now you may wish you had started today.”
- Karen Lamb

If you would like to review your pension arrangements,
or discuss how best to plan for retirement,
we’d be very happy to help..

In reality, funding for a comfortable standard of living in retirement is an expensive business and should be recognised as such from the outset.

In practice, most people will find that their standard of living in retirement will come from a mixed bag of which the pension pot is just one part. Other investment assets, inheritances and other factors come into consideration.

This makes planning all the more important – after all, it is too late to do anything when you reach retirement and find ….. nothing!

" Life’s tragedy is that we get old too soon and wise too late.”
- Benjamin Franklin

At Efficient Financial our financial planners can give advice on all aspects of pension planning including:

Occupational Pensions Schemes

Self-Directed Pension and Small Self-Administered Pension Schemes (SSAS)

Executive Pension Plans

Personal Retirement Savings Accounts (PRSAs)

Personal Pensions

Additional Voluntary Contributions (AVCs)

Retirement Options


Approved Retirement Funds (ARFs)

Approved Minimum Retirement Funds (AMRFs)

Tax Incentives on pension contributions

Tax Benefits at retirement

Pension Fund investment options – Identifying and dealing with risk

Disclosure Regulations


Life Assurance and Critical Illness Benefits

Permanent Health Insurance (PHI) Benefits