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Aviation Advisory
Our dedicated Aviation Advisory team bring best-in-class expertise across modelling, lease management, financial accounting and transaction execution as well as technical services completed by certified engineers.
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Consulting
Our Consulting team guarantees quick turnarounds, lower partner-to-staff ratio than most and superior results delivered on a range of services.
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Business Risk Services
Our Business Risk Services team deliver practical and pragmatic solutions that support clients in growing and protecting the inherent value of their businesses.
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Deal Advisory
Our experienced Deal Advisory team has provided a range of transaction, valuation, deal advisory and restructuring services to clients for the past two decades.
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Forensic Accounting
Our Forensic and Investigation Services team have targeted solutions to solve difficult challenges - making the difference between finding the truth or being left in the dark.
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Financial Accounting and Advisory
Our FAAS team designs and implements creative solutions for organisations expanding into new markets or undertaking functional financial transformations.
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Restructuring
Grant Thornton is Ireland’s leading provider of insolvency and corporate recovery solutions.
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Risk Advisory
Our Risk Advisory team delivers innovative solutions and strategic insights for the Financial Services sector, addressing disruptive forces, regulatory changes, and emerging trends to enhance risk management and foster competitive advantage.
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Sustainability Advisory
Our Sustainability Advisory team works with clients to accelerate their sustainability journey through innovative and pragmatic solutions.
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Asset management Asset management of the futureIn today’s global asset management landscape, there is an almost constant onslaught of change and complexity. To combat such complex change, asset managers need a consolidated approach. Read our publication and find out more about what you can achieve by choosing to work with us.
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Internal Audit Maintaining Compliance with New EU Pension Directive IORP IIOn 28 April 2021, the Irish Government transposed IORP II (Institution for Occupational Retirement Provision), an EU directive on the activities and supervision of pension schemes, into law.
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Risk, Compliance and Professional Standards FRED 82 – Periodic Updates to FRS 100 – 105The concept of a new suite of standards for the UK and Ireland, aligning with international financial reporting standards, was first conceived in 2002
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Audit and Assurance Auditor transition: how to achieve a smooth changeoverAppointing new auditors may seem like a daunting task that will be disruptive to your business and a drain on the finance function. Nevertheless, there are a multitude of reasons to consider a change, including simply seeking a ‘fresh look’ at the business.
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Corporate Tax
Our Corporate Tax team is made up of more than 40 highly experienced senior partners and directors who work directly with a wide range of domestic and international clients; covering Corporation Tax, Company Secretarial, Employer Solutions, Global Mobility and Tax Incentives.
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Financial Services Tax
The Grant Thornton team is made up of experts who are fully up to date in terms of changing and evolving tax legislation. This is combined with industry expertise and an in-depth knowledge of the evolving financial services regulatory landscape.
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Indirect Tax Advisory & Compliance
Grant Thornton’s team of indirect tax specialists helps a range of clients across a variety of sectors including pharmaceuticals, financial services, construction and property and food to navigate these complexities.
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International Tax
We develop close relationships with clients in order to gain a deep understanding of their businesses to ensure they make the right operational decisions. The wrong decision on how a company sells into a new market or establishes a new subsidiary can have major tax implications.
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Private Client
Grant Thornton’s Private Client Services team can advise you on all areas of financial, pension, investment, succession and inheritance planning. We understand that each individual’s circumstances are different to the next and we tailor our services to suit your specific needs.
Pensions are investment vehicles that are often set up through an insurance company in the workplace as individuals set out on their financial journey. As life demands, commitments and financial goals change as do financial expectations for the future. We believe your pension should also change to suit your changing financial circumstances allowing you choice, flexibility, cost effectiveness and transparency as you build your personal wealth. As we get older in age, the performance, cost and flexibility of our pension investments become more urgent however there may be regret for not having acted sooner to effect change.
Self-administered pension arrangements are particularly attractive to business owners or senior employees who prefer a more hands-on approach to their finances using tax efficient investment structures.
Grant Thornton Pensioneer Trustees Limited can assist you in the setup and management of self-administered pensions, structure investments correctly and facilitate funding where appropriate.
What if you:
- had the freedom to plan for your future with control over where your pension assets are invested;
- received an annual account of your pension portfolio that was easy to understand;
- could easily move your pension between employments;
- could easily move existing pension assets;
- had no Benefit In Kind (BIK) on pension contributions;
- had pension investments that grow free of Income Tax and Capital Gains Tax;
- wished to borrow in your pension for property investment;
- did not have to liquidate all your pension assets on retirement;
- could reduce the cost of your pension and retire from age 50; and
- had a broad choice of pension investment options including:
- residential and commercial property;
- exchange traded funds;
- direct ownership of stocks and shares;
- cash deposits;
- bonds.
A self-administered pension structure may be the structure that you need to grow your wealth.
Why Grant Thornton
Grant Thornton Pensioneer Trustees Limited can offer business owners, company directors and senior employees the opportunity to manage their own retirement choices without the investment restrictions, high charges and lack of transparency many pension providers apply to their pension policies.
As a pensioneer trustee we will assist you with the legal and technical aspects of your pension structure, the level of funding possible and any significant legislative changes affecting your pension.
If you are interested in investing in property or alternative asset classes with your pension fund please speak to your financial advisor and we will work in tandem with them to provide you with the most suitable solution for your circumstances.
Tax advantages of a pension structure
- full tax relief available on monies invested in your pension;
- all income and gains within pension schemes are exempt from income tax;
- on retirement you can take 25% of the value of the pension fund or a maximum of €500,000 as a lump sum of which €200,000 is tax free with the remaining €300,000 taxed at 20%;
- your pension assets can continue to grow tax free post retirement in an Approved Retirement Fund (ARF) or a Vested PRSA and only taxed at your marginal rate on pension drawdown; and
- your pension is designed to be tax effective in passing wealth to the next generation.
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