Products & Services

Products

Self-Administered Pension Schemes

An employer sponsored pension scheme that allows the pension scheme member take control of their financial future by building their own investment portfolio whilst also availing of the generous tax reliefs available with a traditional pension scheme.

Suitable for?
Owners, directors & senior employees who want to create their own investment portfolio that matches their attitude to investment risk whilst maximising tax efficiency.

Benefits
Corporation tax relief on employer contributions,

No BIK for employee for employer contributions,

Income tax relief on employee contributions,

No DIRT, Income Tax or Capital Gains Tax on investments,

Can accept transfers from existing and old employer pension arrangements,

Lump sum (can be up to €200K tax free) when benefits are drawn down, Invest in an ARF or buy an annuity (annual income) with the remainder.

For more details click here

Personal Retirement Bonds

A pension structure specifically created for transfers from previous employer pension schemes. A Personal Retirement Bond allows the investor create their own investment portfolio whilst also availing of generous tax reliefs.

A Personal Retirement Bond allows the investor create their own investment portfolio whilst also availing of generous tax reliefs.

Suitable for?
Individuals who want to create their own investment portfolio and have one or more of;

– Paid up employer pension schemes,
– Occupational pension schemes that        are being wound up,
– Existing PRBs.

Benefits
No DIRT, Income Tax or Capital Gains tax on investments,

Lump sum (can be up to €200K tax free) when benefits are drawn down,

Invest in an ARF or buy an annuity (annual income) with the remainder.

For more details click here

Approved (Minimum) Retirement Funds

Your post retirement vehicle, where you invest your hard earned pension fund after you have drawn your lump sum. ARFs and AMRFs are similar to a SAPS and a PRB as both get very favourable tax benefits, however ARFs & AMRFs are designed to provide you with your pension income in retirement.

Suitable for?
Individuals who want to create their own investment portfolio and who have or are about to draw their benefits from;

– A personal pension plan
– An employer pension scheme
– A self-administered pension scheme
– A Personal Retirement Bond
– A Personal Retirement
   Savings Account
– Or want to transfer from an existing      ARF or AMRF

Benefits
No DIRT,

Income Tax or Capital Gains tax on investments within the SAPS,

Provides an annual income,

On death the value of the ARF and AMRF become an assets of your estate.

For more details click here

Services

Trustee Advisory Services

We offer a professional support service to trustees of group pension schemes, such as; Advising on group scheme structure, Trustee training, Joining a board of trustees or chairing trustee meetings, Scheme analysis and review, Scheme wind up, Advising on legislative obligations and changes.

Trustee and Scheme Administration

We can also be appointed sole trustee of a group pension scheme, thus taking the onerous and highly regulated task from the existing trustee(s) and/or take over the day to day administration of the scheme.

Pension Consultancy Services

We offer a range of consultancy services to both clients and intermediaries; Marital separation & Pension Adjustment Orders, Pension consolidation and funding analysis, Structuring / advising on the structure of investment product to ensure compliance with Revenue pension and legislative requirements, On-going technical support to advisors, Acting as mediator in disputes between scheme members and trustees.

Nominee Services

Through our sister company, Quest Capital Nominees Ltd we offer nominee services to EIIS schemes and arrangements where a nominee is required to hold an asset, e.g. for security on a loan.

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