We often put pension planning on the back burner, but it is an important area to tackle as it gives you a better, brighter future to look forward to. 


Your Working Years:

Starting a pension is one of the smartest decisions you can make.  Pensions can seem complicated but the basic idea is a simple one:  a pension is a long-term savings plan with tax relief - your regular contributions are invested so that they grow throughout your career and then provide you with an income in retirement. 

There are quite a number of factors to consider to when setting up the correct plan for your employment type and putting an investment strategy in place over your money.  There are a lot of rules and regulations to consider, which is where we come in.  We’re here to cut through the technicalities and help you select what’s right for you. 

At Retirement:

Once you reach retirement, you will have stopped paying into the pension and this is the point where you take your benefits out of the plan. 

You will usually be able to take out a tax free cash lump sum of 25% of the value of the overall fund and you will have a balance remaining that you will have to find a home for – whether by purchasing an annuity or by investing in a post-retirement policy called an ARF. 

We will help you pick the option that is most suitable for you.  In basic terms, the annuity locks you in to a set income for the rest of your life, whereas the ARF lets you keep control over your money and it gives you flexibility as to the frequency and amount of income you take out of it. 

We are on hand to help you make the best decisions for your circumstances – not just at the start of the contract, but at all stages into the future. 


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When providing advice, the firm does not consider the adverse impacts of investment decisions on sustainability.  The firm will review this approach on an annual basis in February.

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CML Financial Ltd trading as CML Financial is regulated by the Central Bank of Ireland
Company Registration No. 437266. Registered office – The Business Centre, Lisfannon, Buncrana, Co. Donegal
Directors: Joseph Carlin BSc MSc QFA James O’Donnell BA FCA QFA
Joseph G. Carlin FCCA Dip Insolvency QFA
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