Services Designed for Your Situation
Each service addresses a specific challenge Irish pension holders face. Choose what you need right now.
You don't need to buy everything. Start with the service that solves your most pressing problem. You can always add more later as your needs evolve.
State Pension Optimization Review
Most people assume their State Pension calculation is correct. Unfortunately, that's not always the case. Gaps in contribution history, changes in regulations, and administrative errors can all reduce your payments.
What's Included
- Complete analysis of your contribution history
- Identification of any gaps or discrepancies
- Calculation of your exact entitlement under current rules
- Guidance on filling contribution gaps if beneficial
- Written report with actionable recommendations
Who This Is For
Anyone within 10 years of retirement, anyone currently receiving State Pension, or anyone with an interrupted work history.
Private Pension Consolidation
Changed jobs a few times? You probably have multiple pension pots scattered across different providers. Each one charges fees. None of them give you a clear picture of your total retirement assets.
What's Included
- Tracking down all your pension accounts
- Analysis of fees and performance for each
- Consolidation strategy to minimize costs
- Assistance with transfer paperwork
- Clear summary of your total pension assets
Who This Is For
Anyone with two or more pension accounts from different employers, or anyone who wants a clear picture of their total retirement savings.
Tax Relief Maximization Strategy
Ireland offers generous tax relief on pension contributions. But the rules are complex, and most people don't take full advantage. You could be leaving thousands of euros in tax savings unclaimed.
What's Included
- Analysis of your current tax position
- Calculation of maximum allowable contributions
- Strategy for structuring contributions across different pension vehicles
- Projected tax savings over your remaining working years
- Annual contribution schedule
Who This Is For
Anyone earning over €50,000 per year, anyone making significant pension contributions, or anyone approaching the higher contribution limits.
Drawdown Timing Analysis
When you start taking pension income affects how much you receive over your lifetime. Start too early, and you might reduce your benefits. Wait too long, and you're leaving money unused. The optimal timing depends on your specific situation.
What's Included
- Modeling of different drawdown scenarios
- Analysis of state and private pension coordination
- Tax implications of different timing strategies
- Life expectancy and health factor considerations
- Recommended drawdown schedule
Who This Is For
Anyone within 5 years of retirement, anyone considering early retirement, or anyone who has already retired but wants to optimize their drawdown strategy.
Comprehensive Retirement Income Plan
This is our complete service. We analyze every aspect of your retirement income—state benefits, private pensions, investments, and any other income sources. Then we create a coordinated strategy to maximize your total retirement income.
What's Included
- Complete review of all pension and investment accounts
- State Pension optimization
- Tax relief maximization strategy
- Drawdown timing analysis
- Integration with other income sources
- Written comprehensive retirement income plan
- Two follow-up consultations for questions and adjustments
Who This Is For
Anyone who wants the most thorough analysis possible, anyone with complex financial situations, or anyone who wants complete peace of mind about their retirement income.
Annual Pension Health Check
Regulations change. Your circumstances change. An ongoing annual review ensures your pension strategy stays optimized as life evolves.
What's Included
- Annual review of your pension accounts and strategy
- Updates for any regulatory changes
- Adjustments based on changes in your circumstances
- Updated projections and recommendations
- Priority email support throughout the year
Who This Is For
Anyone who has already optimized their pension strategy and wants to maintain it, or anyone who prefers ongoing professional guidance.
Request Your Service
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