At our firm, we help individuals, families, business owners, and company directors understand the wide range of pension options available in Ireland and create retirement strategies tailored to their goals and circumstances.
Whether you are starting a pension for the first time, reviewing existing arrangements, or approaching retirement, we provide clear and practical advice every step of the way.
A pension is one of the most tax-efficient ways to save for your future. Pension contributions may qualify for income tax relief, investment growth within a pension fund is generally tax free, and pensions can play a key role in long-term financial planning.
Effective pension planning can help you:
A Personal Pension is designed for individuals who are self-employed or not part of an occupational pension scheme through their employer. Contributions are invested on your behalf and grow over time until retirement.
A PRSA is a flexible and portable pension product available to employees, self-employed individuals, and company directors. PRSAs are regulated pension contracts that allow individuals to make regular or lump sum contributions.
Occupational pensions are employer-sponsored pension arrangements set up for employees. These schemes can provide valuable retirement benefits and often include employer contributions.
Retirement benefits depend on:
Benefits are usually based on:
Defined Benefit pensions aim to provide a predetermined retirement income and are not as widely available any longer.
Modern workplace pension structures in Ireland have evolved significantly in recent years. Traditional Executive Pension plans are no longer available for new arrangements and have largely been replaced by more flexible pension structures such as Master Trusts and PRSAs.
These modern pension solutions provide employers, company directors, and employees with flexible and tax-efficient retirement planning options.
Master Trusts are employer-sponsored pension arrangements managed by professional trustees on behalf of participating employers and members.
They are becoming increasingly popular in Ireland due to their governance structure, efficiency, flexibility, and ease of administration.
Master Trusts can provide employers with a cost-effective and compliant workplace pension solution while helping employees build long-term retirement wealth.
PRSAs continue to play an important role in retirement planning for:
Employer contributions to PRSAs can offer significant tax efficiencies while providing flexibility and portability for members.
We work with employers and business owners to design pension solutions that support both business objectives and employee financial wellbeing.
A Personal Retirement Bond, also known as a Buy-Out Bond, is a pension arrangement used to preserve pension benefits from a previous employer’s occupational pension scheme when leaving employment.
Instead of transferring pension benefits into a new employer’s scheme, individuals may choose to transfer them into a Personal Retirement Bond where the funds remain invested until retirement.
PRBs can provide flexibility, control, and ongoing investment choice while preserving retirement benefits accumulated from previous employment.
Personal Retirement Bonds can play an important role in overall retirement planning, particularly for individuals with multiple pensions from different employments.
When approaching retirement, it is important to understand the options available to you. These may include:
Many people have multiple pensions accumulated throughout their careers. Reviewing your pensions regularly can help ensure your retirement strategy remains aligned with your goals.
A pension review can help:
Retirement planning is not simply about pensions; it is about creating financial confidence for the future. We are here to help you make informed decisions at every stage of your retirement journey.
Work directly with Georgina Roche, guided by our Safeguard, Build, Sustain ethos.
Pick a time that suits you and we’ll chat with one of our Qualified Financial Advisors. The call takes about 30 minutes, with no obligation.
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