We know that compulsory pensions for staff are on the way.
You did not expect this, but the little business you fell into a few years ago has been successful, and you have a small team of guys and gals working along with you. Your Accountant told you that you should incorporate your business and become a Limited Company, for your protection and for your employees. What next?
You set up a small pension scheme on the advice of your accountant, but you know very little about it, and some of your staff did not join. You are now hearing that you should be using a Master Trust, but you know nothing about it. We know that compulsory pensions for staff are on the way. How do we prepare?
If you’re considering transferring your pension from one scheme to another, our expert advisors can provide you with the guidance you need. Pension transfers can be complex, and making the wrong decision can have significant financial implications.
We offer tailored pension transfer advice to ensure that your funds are moved efficiently and in line with your retirement goals.
Occupational pension schemes, commonly referred to as company pension plans or workplace pensions, are structured by employers to provide retirement benefits to their employees.
These benefits encompass pensions, a range of taxable payments, and tax-free lump sums, all of which adhere to the boundaries established by Revenue.
Some other pension contributions include:
At Clever Money, we are actively involved in providing the best financial planning Ireland and setting up Company Pensions for Small and medium-sized businesses (less than 500 workers) and have a range of offers from the best providers in the market.
You can avail the following benefits by partnering up with Clever Money:
As your Pension transfer specialist, we will provide Master Trust advice to your business – even if you have existing schemes so they can provide the best employee pension plans.
In addition, we can add extra benefits for key person business insurance via Directors and Key Personnel and Death in Service benefits such as Life Cover. We provide the largest pension so that people can secure their future finances.
We are Financial Advisers and Brokers. This means that we give advice in a wide range of Financial Fields. If you need help with Life Assurance or Financial Protection, Pensions, Investments or Savings Plans, we will provide you with qualified options from the best providers in the market. It is common in Ireland for Insurance Companies to give us an Introduction fee for arranging your plan with them. This will pay our fees, which means that, in most cases, we will not be required to charge you a Fee. If you need more thorough Financial Planning, such as Budgeting or Debt Management, we will discuss our fees prior to engaging with you, but we would prefer to do a no-obligation assessment before this would happen.
两者兼备。当您的需求较为简单时，我们通常可通过线上渠道为您办理业务。疫情期间，我们不断优化了线上服务体验。虽然我们认为在提供建议前充分了解您的财务状况至关重要，但有时可通过Zoom/Teams视频会议及邮件完成沟通。我们秉持的长期理念是建立终身服务关系，助您跨越人生中的所有财务难关，因此定期的面对面会谈有助于巩固这种关系。
当然。我们的目标是成为您长期的财务顾问，随时为您解答疑问。 我们始终陪伴客户成长：从步入成年期，到育儿阶段，再到退休规划、遗嘱安排及下一代传承。当您设立保单、养老金或投资计划时，我们会与保险或投资公司签订长期服务协议——这意味着在保单有效期内，我们将持续获得其支付的佣金，以确保您的需求得到全程保障。
关于人寿保险、疾病保障及养老金规划，我们秉持完全独立的立场。我们能为您提供爱尔兰市场所有产品的专业建议，并协助您选择最契合需求的解决方案。 在投资领域，我们遵循"最佳建议"原则，仅推荐符合您需求与实际情况的投资方案。根据爱尔兰中央银行规定，为确保投资建议的完全独立性，我们本应向您收取服务费。但我们更倾向于从合作投资公司获取佣金，并坚信此举不会影响我们的公正性。
请先与我们详谈。凭借我们为客户积累的丰富经验以及在此期间赢得的声誉，我们经常获得会计师和律师的客户推荐。
