Retirement planning

Pensions

Plan for the
Retirement You Deserve

Get professional pension advice from Martin. Whether you're setting up, reviewing, consolidating, or accessing your pension — expert guidance makes all the difference.

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Our Pension Services

Expert Pension Advice for Every Stage

Setup a New Pension Plan

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Review Your Existing Pension Plan/s

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Consolidate Your Existing Pension Plans

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Access Your Pension

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Setup a New Pension Plan

1.

Clarify Your Retirement Objectives

I help you define your retirement goals, including your desired retirement age, lifestyle expectations, and projected expenses.

2.

Choose the Right Pension Plan

Navigate different types — PRSAs, Occupational Pension Schemes, or Self-Directed Pensions. Selecting the appropriate plan is crucial.

3.

Understand Fees and Charges

Be aware of all associated fees including management fees, administration costs, and their long-term impact on your savings.

4.

Diversify Investment Options

Select a balanced portfolio within your pension plan, guided by your risk tolerance and long-term growth potential.

5.

Regular Reviews and Adjustments

Setting up a pension is not a one-time activity. Regular reviews are essential to stay on track with your retirement goals.

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Pension planning consultation

Have You Left a Pension with a Previous Employer?

We help our clients reclaim their lost pensions and use them to effectively plan for a better future.

What are the costs involved?

You don't have to pay anything out of pocket for our services. We are paid by the pension providers. All pensions have a management fee that is deducted from the fund.

Your Future

The Retirement You've Always Imagined

  • A clear, personalised pension plan aligned with your retirement goals.

  • Confidence that your pension is performing optimally.

  • All your pensions consolidated and easy to manage.

  • Tax-efficient access to your pension when the time comes.

  • Peace of mind knowing your retirement is secure.

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Enjoying retirement

Deep Dive Guides

Expert Insights into Irish Pensions

Explore our detailed guides to better understand how to maximize your retirement savings.

Pension Tax Relief Guide
Financial Planning 8 Min Read

How Pension Tax Relief Actually Works in Ireland (2025 Guide)

Learn how the government essentially pays you to save for retirement. We break down marginal rates, age limits, and more.

Read Full Guide

More Guides Coming Soon

We're currently drafting deep dives on PRSA consolidation and ARFs.

FAQ

Pension Questions

Clear answers to common questions about planning for your retirement.

What is a Personal Pension?

A Personal Pension is a tax-efficient long-term savings plan designed to provide you with an income when you retire. It is particularly suitable for self-employed individuals or those whose employers do not provide a pension scheme. You get tax relief on your contributions, and the fund grows tax-free until retirement.

What is a PRSA and who is it for?

A PRSA (Personal Retirement Savings Account) is a flexible pension account that belongs to you, regardless of your employment status. You can contribute to it whether you are employed, self-employed, or even not working. One of its main benefits is portability—if you change jobs, your PRSA moves with you.

How much can I contribute to my pension for tax relief?

The amount of contributions you can claim tax relief on depends on your age. Limits range from 15% of your gross income (if under 30) up to 40% (if 60 or older), subject to an earnings cap of €115,000 per year. Contributions beyond these limits don't qualify for immediate tax relief but still benefit from tax-free growth.

What are the main tax benefits of a pension?

There are three primary tax advantages: 1) Tax relief on contributions at your highest rate (20% or 40%), effectively making a €100 contribution cost you only €60 if you're a high-rate taxpayer. 2) Tax-free growth—your investments grow without being hit by DIRT or Capital Gains Tax. 3) A tax-free lump sum (usually 25% of the fund) when you retire.

Can I transfer an old pension from a previous employer?

In most cases, yes. Consolidating multiple old pensions into a single plan (like a Personal Retirement Bond) can give you better control, clearer visibility of your total retirement savings, and often lower management fees. We can review your old schemes to see if a transfer makes financial sense for you.

What is an ARF (Approved Retirement Fund)?

An ARF is an investment fund you can move your pension into when you retire. Unlike an Annuity (which gives you a guaranteed fixed income for life), an ARF allows you to keep your fund invested and take a flexible income from it as needed. Any remaining balance can be passed on to your heirs after your death.

What happens to my pension if I die before retirement?

If you pass away before accessing your pension, the full value of your accumulated fund is generally paid out as a tax-free lump sum to your estate or your named beneficiaries. This makes a pension a very effective way of protecting your family's financial future.

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