What We Offer
Life and Serious Illness Cover
Income Protection
Personal Pensions / Personal Retirement Savings Accounts
Savings and Investment
Inhertiance Tax Planning
Company Executive Pensions
Employer Obligations
Business Life Cover
Post Retirement Services
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Company / Executive Pensions



How do they work?

An Executive pension is a pension where the company makes a payment into the pension plan on behalf of a director or employee. The individual can also pay into the plan in addition to the company.

There are three different types of pension arrangement possible:

  1. A straightforward company pension plan
    Normally taken out with a Life Insurance company that helps you build a fund for your retirement and that helps you make the most of your retirement fund. All regulatory issues are dealt with in the background and you need only choose how much to contribute and which of the company’s funds to invest in?
  2. A self-directed pension plan
    This gives you extra choice in where to invest your money. You can invest directly in a portfolio of equities [shares] via a stockbroker or purchase investments with other approved find managers. All the regulatory issues are still provided by the insurance company.
  3. Small Self Administered Pension Scheme
    These are the fastest growing sector of the Irish pensions market. With increased financial awareness, many Irish proprietary directors and key employees want greater control over their pension scheme, what it invests in and what price they are prepared to pay to reach their financial objectives. SSAP`s allow our Financial Advisers tailor the pension fund to suit your needs. What’s more, they can do so at costs significantly lower than a traditional pension plan from a life insurance company. At a time when most people are looking for something different and better value for their money, the traditional offerings look increasingly less attractive to higher net worth individuals.

Ryan & Riordan Insurances is here to help you tailored the pension service to your needs. We provide full set up, administration and technical assistance as well as helping you to choose quality investment products.

Four great reasons to choose an Executive pension

  1. Choice
    Executive pension plans offer a range of options depending on how you (the member) want to save for your retirement.
  2. Security
    If the trustee asks us we can switch your fund into more secure funds in the five years before your chosen retirement date. This service is called an Individual Investment Service.
  3. Flexibility
    The trustee can choose your level of contribution (subject to a minimum amount per month) and you have the option to increase or reduce it at any time. You can contribute lump sums each year instead of (or as well as) regular contributions if you prefer, and you can even take a payment holiday if you need to.
  4. Tax relief
    You and your employer could get full tax relief (subject to Revenue limits) on payments made into an Executive standard plan.

Call us today to arrange a no obligation financial review to discuss your needs and requirements