Pensions & Retirement
Expert pension & retirement advice.
Whether you're starting a pension, pulling old ones together, funding a company director pension, or planning how to take an income in retirement — talk it through with a qualified adviser. Honestly assessed.
Your adviser
Francis Howard
QFA · RPA · SIA
I'm Francis Howard. I hold the Retirement Planning Adviser (RPA) qualification — the specialist pensions qualification — alongside my QFA, and I've been advising on pensions and retirement for over a decade, since 2015. I advise on pensions and retirement for individuals and company directors across Cork, West Cork and nationwide, by phone or Microsoft Teams.
Who I help
- People starting their first pension
- People with pensions left behind in old jobs
- Company directors taking value out of the business tax-efficiently
- People approaching retirement deciding how to take an income
Where do you start?
Tell us where you're at, and we'll point you to the right page — or just request a callback and we'll work it out together.
What a pension review covers
A review is a straightforward conversation about where your retirement planning stands and what to do next. No obligation.
- Your existing arrangements and their charges
- Your contributions and the tax relief available
- Your investment approach and attitude to risk
- When you want to retire and the income options open to you
- Clear next steps, if any
There's no separate fee for life, pensions, investment or protection advice. Advice is provided at the point of a personal recommendation.
Request a pension review
Tell us a little, and an adviser will call you at a time that suits — to talk it through, with no obligation.
There's no separate fee for life, pensions, investment or protection advice.