Your pension is the engine that will fund your future lifestyle. Our job is to make sure it’s structured, invested and managed in a way that gives you real choices – not just a random pot at 60 or 65.
At Shefflin O’Neill, we look at your pensions in the context of your overall SON Financial Plan – your family, your career, your business interests and the age at which you actually want to slow down.
We support and help you to:
Understand what you already have
We unravel existing pension schemes, PRSAs, current company plans and old employer pensions so you know what’s working, what isn’t, and what’s costing you more than it should.Design the right future contribution strategy
We align contributions with your cashflow, tax position and retirement date – whether you’re PAYE, a company director, self-employed or a business owner.Invest sensibly, not speculatively
Asset allocation matters more than stock picking. We build globally diversified portfolios that reflect your risk profile, time horizon and need for future income.Plan your drawdown, not just your accumulation
Retirement is no longer a single event. We structure how you access your pension – lump sums, ARFs, annuities and other options – so that income, tax and longevity risk are all considered.Coordinate pensions with your wider wealth
Your pension doesn’t sit in isolation. We integrate it with savings, investments, business assets and your estate planning so all parts pull in the same direction.Outcome
A clear, numbers-driven retirement roadmap that shows how your pensions help you maintain the lifestyle you want – and what needs to happen between now and then.
