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Retirement is not about your age, it’s about your number

Depending on the lifestyle you would like to have when you retire, it is very important when planning, that your pension is set up correctly with the right investment strategy tailored to suit your needs.

Many of us can now look forward to 20 or 30 years of retirement, so it’s vital to start your retirement planning early. Why? Because the more you save and the longer you save, the better chance you have of achieving the lifestyle you want.

We’ll take all the complexity out of planning for retirement for you and help you make the right decisions, whether you are an employee, self-employed, a company director or even just about to retire.

Read About - Personal Retirement Bonds (PRB)Read About - Personal Retirement Savings Account (PRSA)Read About - Approved Retirement Fund (ARF)

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Financial Advisors

Power to your Pension

Pensions still offer you the most tax-efficient investment vehicle available in Ireland today. However, it is crucially important that your pension is set-up correctly, with the right investment strategy and in the most efficient manner.

At Rockwell, let us do all the leg-work to make sure your hard-earned pension savings are being optimised.

Learn about a Personal Retirement Bond (PRB)

Pension FAQ's

  • What is a Pension Advisor?

    A Pension Advisor is a professional who provides guidance and advice on retirement planning and pensions. We help individuals understand their pension options, assess their financial situation, determine the appropriate pension scheme, and develop a retirement savings strategy that aligns with their goals and circumstances. Pension Advisors are knowledgeable about pension regulations, investment options, tax implications, and can provide personalised recommendations based on an individual’s specific needs.

  • When should I start my Pension?

    It is generally recommended to start a pension as early as possible. The earlier you begin contributing to a pension, the more time your money has to grow through investments and compound interest. Starting early also allows you to make smaller regular contributions over a longer period, easing the financial burden. The specific age to start a pension may vary depending on your personal circumstances and goals, but it’s beneficial to start saving for retirement as soon as you can afford to do so.

  • What are the benefits of a pension?

    There are several benefits to having a pension:

    1. Retirement Income: A pension provides a regular income during retirement, supplementing the state pension or other sources of income.
    2. Tax Advantages: Contributions to pensions usually receive income tax relief, meaning you receive tax benefits on the money you contribute. Additionally, pension growth is generally tax-free or tax-deferred until you start withdrawing funds.
    3. Investment Growth: Pensions allow you to invest your contributions in assets like equities, property and bonds, potentially generating growth over the long term. This can help your savings accumulate and keep pace with inflation.
    4. Financial Security: A pension provides a financial safety net in retirement, helping you maintain your standard of living and cover expenses when you’re no longer working.
  • How do you start a pension?

    To start a pension, you in conjunction with your advisor should take the following steps:

    1. Research: Understand the various types of pensions available, such as personal pensions, company pensions, PRSAs, Personal retirement bonds. Consider factors like costs, investment options, and flexibility.
    2. Choose a Provider: Select a pension provider or scheme that aligns with your preferences and requirements, taking into account such factors as charges fund performance and customer service.
    3. Set up Contributions: Determine how much you can afford to contribute regularly, taking account of the tax relief available.
    4. Complete the Application: Provide the necessary personal information and complete the application forms provided by your chosen pension provider.
    5. Monitor and Review: Keep track of your pension performance over time and regularly review your investment choices to ensure they align with your retirement goals.
  • What is a pension fund?

    A pension fund refers to the pool of money accumulated from contributions made by individuals, employers, or both, which is then invested to generate returns over time. The pension fund is managed by the pension provider or a fund manager appointed by the provider. The purpose of the pension fund is to grow the invested capital and generate income, which will ultimately be used to provide retirement benefits to the pension policyholder.

    Pension funds typically invest in a diversified portfolio of assets, such as stocks, bonds, property, and other financial instruments. The investments aim to achieve growth and income while managing risk based on the pension scheme’s objectives and risk appetite. The value of a pension fund can fluctuate based on the performance of the underlying investments.

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Mary Kelly

I worked with Brian Forde on advise and managing my upcoming pension. I had no knowledge my options, what I could do with my non-contributory company pension. Brian arranged Team meetings to explain the options with back up figures and explained so clearly what I could do to personalise the pension to suit my needs. I felt confident to proceed with a solution worked out with me by Brian.

Padraig O Callaghan

Excellent service, I worked with Brian Forde to setup my company pension and income protection plans. Very fast response and always available to help.

Joseph McMahon

Great experience with Rockwell setting up and subsequently adjusting my pension. Pete was a pleasure to deal with and I found his knowledge and insight very useful.

Sharon Towson

Conor recently gave me advice on my pension. He gave the best advice I have received from any financial advisor I have been involved with. He explained things in layman's terms so it was easy to understand. I really appreciated this and am delighted to give this feedback.

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