Retirement planning is unique in its lack uniqueness - it is the same for all - the lifetime goal of financial independence.

Getting there is a different matter altogether however.

People generally come to us for one of the following reasons:

• They want to start a pension
• They are already in a pension but they are unhappy with it
• Tax planning
• They want independent advice on their retirement options

We sit down regularly with our clients to identify what will be required to grant them a financially independent retirement. Then we investigate what, if anything, they already have in place so that we can calculate whatever shortfall they may have. Finally we will recommend the steps they should be taking to remove that shortfall.

We advise on:

• Company Pensions
• Personal Pensions
• PRSA's
• AVC's
• Self Directed/ Self Invested Pensions
• Retirement Options
• Annuities
• Approved Retirement Funds
• Tax-Free Cash

For more information contact sean@alchemy.ie

Sean O'Neill Financial Limited trading as Alchemy Financial is regulated by the Central Bank of Ireland.