Maximize your old pension.
Accelerate Your Retirement.
Transfer your previous occupational pensions into a high-performance Personal Retirement Bond (PRB). Take full control of your investment strategy and unlock the potential for retirement at 50.
Why Sophisticated Professionals take control.
Leaving a pension with a former employer often means limited fund choices and high management fees. For those in Tech, Pharma, and Finance, a PRB offers a superior alternative.
- Full Investment Control: Access global equities and ESG funds to prevent automatic decumulation.
- Fee Transparency: Eliminate hidden costs.
- Early Access: Structures designed for retirement as early as age 50.
- Tax Efficiency: Maximize tax-free lump sums at the point of exit.
Specialist Advice for High-Earners
Tech & Big 7
Expert guidance for former employees of Google, Meta, AWS, and Microsoft. We specialize in navigating the transition from corporate schemes to self-directed PRBs.
US Pharma
Optimizing pension pots for professionals in Ireland's leading pharmaceutical hubs. Align your US-style career trajectory with Irish tax-efficient vehicles.
Finance & Accounting
Peer-to-peer advice for bankers, accountants, and actuaries. We speak your language—focusing on CAGR, risk-adjusted returns, and long-term fiscal health.
Pension Transfer & Consolidation FAQs
A Personal Retirement Bond (or Buy-Out Bond) is a structure used to take control of a pension from a previous employer. It offers full investment control, fee transparency, and often allows you to access benefits from age 50—making it ideal for professionals in Tech and Pharma sectors.
Yes. If you have moved between companies, you likely have several "frozen" pots. Consolidating these into a single PRB or PRSA simplifies management, provides a unified strategy, and ensures you aren't paying multiple sets of administrative fees.
Most DC transfers are straightforward, but some older schemes have "guaranteed annuity rates." Our Transfer Audit process screens for these benefits to ensure a move is in your best interest before any paperwork is signed.
The physical transfer of funds typically takes between 4 to 8 weeks. This depends on the efficiency of your previous provider, but our team handles all the administrative heavy lifting and follow-ups for you.
In many cases, yes. Transferring into a PRB can unlock the ability to access your 25% tax-free lump sum from age 50. This is a key strategy for clients aiming for early financial independence.
Pension Transfer & Consolidation FAQs
A Personal Retirement Bond (or Buy-Out Bond) is a structure used to take control of a pension from a previous employer. It offers full investment control, fee transparency, and often allows you to access benefits from age 50—making it ideal for professionals in Tech and Pharma sectors.
Yes. If you have moved between companies, you likely have several "frozen" pots. Consolidating these into a single PRB or PRSA simplifies management, provides a unified strategy, and ensures you aren't paying multiple sets of administrative fees.
Most DC transfers are straightforward, but some older schemes have "guaranteed annuity rates." Our Transfer Audit process screens for these benefits to ensure a move is in your best interest before any paperwork is signed.
The physical transfer of funds typically takes between 4 to 8 weeks. This depends on the efficiency of your previous provider, but our team handles all the administrative heavy lifting and follow-ups for you.
In many cases, yes. Transferring into a PRB can unlock the ability to access your 25% tax-free lump sum from age 50. This is a key strategy for clients aiming for early financial independence.