Retirement Planning

Retirement Planning & Pensions

Although retirement might seem a long way off, it is never too early to start planning for it.

At Kinsella Financial, we work with all clients regardless of your employment type to develop a specifically tailored plan based on your current situation and future plans. Due to the many complexities in this area, having specialist advice is essential to ensure your goals are met while maximizing growth on your funds and capitalising on available tax-reliefs. We believe retirement planning is an ongoing process so it is also hugely important for us to continually review and communicate with you throughout your working life to ensure the retirement structure you have in place matches your circumstances, general policy and tax-reliefs.

While it is important to have a robust plan and structure in place in preparation for retirement, it is equally as important to have the correct advice and structure in place when you meet your retirement years. In this regard, at retirement we will work with you to develop the correct Annuity or Approved Retirement Fund/Approved Minimum Retirement Fund structure and help you implement this appropriately while maximizing potential returns to you in conjunction with relevant taxation policies.

How Does a Pension
Work ?

What Happens When
You Retire ?

Retirement Planning

First Time Buyers

Moving into your first home is one of the biggest milestones you’ll have in your life, and we understand what needs to be done to make the process as seamless as possible. We have a wealth of experience in this area and will work with you from application stage right through to moving in.

It is also important to remember that financing it will continue long after you’ve moved in and so it is hugely important to have the right package from the outset, so we deal with all the main providers in the market to find you the right product at the best rate.

Trading Up or Down

Whether you need additional funds to move to a larger place, or just bridge the gap between selling your current home, we can help in making the transition as easy as possible.

Even if you are in negative equity on your current home, there are certain options available to still enable you make the move.

Equity Release

It may be time to do that renovation work you’ve always wanted, make some extra space or even help fund the children’s education.

We can help you to use the equity on your home to provide the funds to do so.

Investment Purchases

Whether it’s your first time to purchase an investment property or you’re a professional investor, we can advise on and provide a range of different mortgage options for you.

We have a wealth of experience in this sector and will work with you right through the process from application to drawdown of funds.

Switching Mortgages

Competition in the mortgage market means that there may be better options and rates available to you elsewhere than your current bank or mortgage provider.

We deal with all the main providers in the market so we can give you the full range of the options available to you, and can facilitate switching your mortgage for you without the need for you to revert to your current bank or mortgage provider.

Retirement Consultations

We are available either in person or online to discuss retirement options suited to your own personal circumstances.

K and Kinsella Wh

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