At Riordan Financial, we pride ourselves on offering personalised retirement planning services that cater to the unique needs of each client. As individuals approach retirement, they often share common goals such as maintaining control over their finances, ensuring surplus funds for family, and seeking transparency and value in their investments. Here, we explore how our services align with these aspirations, particularly through the choice between an Annuity and an Approved Retirement Fund (ARF).
Understanding Client Needs
Our clients’ primary objectives are to:
- Maintain control of their finances post-retirement.
- Ensure financial security for their spouses or children.
- Seek value and transparency in their investment choices.
To meet these needs, many of our clients opt for the ARF, which offers flexibility and control over their investment, aligning with their stated objectives.
Real-Life Client Experiences
Client 1: A former semi-state employee who retired in February 2021 chose an ARF with New Ireland Assurance, seeking stability and control over his retirement funds. See Below breakdown of pension performance.
Client 2: A self-employed individual who retired in November 2013 started with an initial investment of €190,929 with Aviva L&P. Since retirement, they have received gross income payments totaling €164,723, and as of April 24th, 2025, the value of their retirement fund stood at €117,232. They expressed satisfaction, noting, “Working with Riordan Financial has effectively provided an extra €90,000 for our future needs.”
Client 3: A company director who retired in September 2017 invested €1,537,743 across Aviva L&P and Irish Life Assurance. With gross income payments of €390,236 to date, their funds had appreciated to €1,575,271 by April 28, 2025, demonstrating the effectiveness of a well-managed ARF in ensuring growth and financial security.
Client 4: An employee who retired in April 2023 began with an initial fund of €574,240 with Zurich Life Assurance. Having received €47,100 in gross income payments to date, their fund’s value is €592,250 as of April 29, 2025. This client values the consistent updates and the personal attention to his portfolio adjustments.
Continuous Engagement and Transparency
All clients receive quarterly updates about their fund’s performance, providing clarity and reassurance about their financial health. Furthermore, we conduct regular policy reviews, at least annually, to ensure that each client’s financial strategy remains aligned with their evolving needs and market conditions.
Conclusion
At Riordan Financial, we are committed to building lasting relationships with our clients by providing them with a retirement plan that not only meets but exceeds their expectations. The positive outcomes experienced by our clients stand as a testament to our dedication to their financial well-being. Whether choosing between an Annuity or an ARF, our clients can rest assured that their retirement is in capable hands.
For more information on how Riordan Financial can help navigate your retirement planning, contact us via info@riordanfinancial.ie or contact our office to schedule a consultation.
Disclaimer: Past Performance is not a guide to future performance. Values can fall as well as rise.