Pensions
Retirement... the golden years, the time when you kick back and enjoy all that you've worked so hard to build up. It comes around more quickly than you think though, so the time to start planning for it is now.

Pensions Expertise
We understand that pensions can be off-putting and confusing – lots of jargon and unfamiliar terms, not to mention the State auto-enrolment scheme which is coming along. You don’t have to avoid the topic - you just need someone to guide you through it. Pensions are one of those things that everyone needs but no one wants to talk about. We’ve been advising on pensions for a long time and we know how to help you through the maze.
We know that pensions work. We see it every day. We’ll make sure you understand what you’re getting into and what needs to happen for it to succeed. We will be with you every step of the way to explain what’s happening and what you need to do as your circumstances change. Getting started is the most difficult thing, but with our help, once you take the first step you’ll wonder why you waited so long.
Features
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Everyone needs a pension - the chances of you winning the lotto are slim!
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Pensions aren't complicated when you've got experts on your side.
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You don't have to put in a lot to get started.
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You can stop and start paying in as your circumstances require.
Benefits
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The obvious one - an income to allow you enjoy your retirement without worrying about money.
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You can take a portion of your pension fund as a tax-free lump sum.
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You get tax relief on your contributions at your top rate of tax.
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You don't pay any tax on the investment growth within your pension fund.
Top Tip #1
Start at a contribution rate that you can comfortably afford - don't worry though, if it proves too much, you can easily change it.
Top Tip #2
There aren't many tax breaks still available to most people - pensions are one of them. Make the most of the tax reliefs by starting a pension.
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Here to help
Tell us all about the protection you need, and we’ll guide you on your ideal insurance options.
Email: info@obf.ie
Call: +353 1 660 1033