Who is this for

• Professionals with RSUs, share options or equity awards
• Individuals facing redundancy, early retirement or career change
• Clients with UK / EU / international pensions or assets
• People returning to or leaving Ireland
• Anyone with multiple tax systems impacting their finances

The problems we help you solve

• When and how to sell or retain RSUs
• Avoiding unnecessary Income Tax, Capital Gains Tax and USC
• Structuring cash flow after a redundancy or exit
• Deciding whether to transfer, retain or consolidate pensions
• Managing currency risk and cross-border reporting
• Making confident decisions during periods of change

Equity Compensation Strategy

• Review of RSUs, vesting schedules and tax exposure
• Sale vs retain modelling
• Practical action plan for managing your awards

Redundancy

• Cash-flow planning for life after redundancy
• Tax-efficient structuring of lump sums Bridging strategy until your next income phase

Pension Structure & Consolidation Review

• Review of all existing pension arrangements Assessment of consolidation, transfers and investment structure Long-term retirement alignment plan
  • Many people accumulate multiple pension plans across employers or countries without a clear view of how they fit together. We review your pensions, explain how they work, and assess whether consolidation or restructuring could simplify your retirement strategy.

Retirement Strategy for Directors

Retirement planning for business owners looks very different from that of employees. We help directors use the tools available to them, particularly pensions and structured extraction, to build a realistic and tax-efficient retirement strategy that reflects how their income is generated.

Your natural next step with Curran Futures

As your business evolves and complexity increases, many clients progress into: Ongoing business advisory support Integrated discretionary investment management This allows us to support you through growth, transition and eventual exit, with advice that adapts as your role in the business changes.

Cross-Border Financial Review

Analysis of pensions, investments and assets held in more than one country Identification of tax risks and reporting obligations Clear recommendations for simplification and efficiency When your finances span multiple countries, tax rules and reporting requirements can become complex. We review your cross-border pensions, investments and assets to identify risks, inefficiencies and compliance issues, and provide clear recommendations to simplify your finances and avoid unnecessary tax.

What you walk away with

• A clear written strategy
• A practical implementation checklist
• A confident understanding of your options
• A roadmap into the next stage of your financial life