Pension Consultation Services
We help you understand where your pension is, how much it’s worth, and how to grow it more effectively. We also show you what it could be worth at retirement and how you can access it earlier, if needed.
WHY WOULD YOU GET A PENSION CONSULTATION?
A pension consultation helps you clearly understand your current retirement savings, future income potential, and tax-saving opportunities. With expert guidance, you can choose the right plan to grow your wealth and retire with confidence and financial security.
PRSA (Personal Retirement Savings Account)
A flexible pension that anyone can set up — employees, self-employed, contractors or company directors.
You can start, stop or change contributions anytime, and you get 20%–40% tax relief.
The company can fund the pension for employees or directors and claim it as a business expense.
Even when the company contributes, the pension remains fully in indivdual name.
Ideal for long-term, tax-efficient investing with full control.
PRB (Personal Retirement Bond / Buy-Out Bond)
Used when you leave a job and want to transfer your old employer pension into your own name.
Gives you full control over the investment fund and removes employer restrictions.
Retains all your pension benefits, allows early access, and offers better fund choices.
Having multiple PRBs also enables multiple 25% tax-free lump-sum drawdowns at different stages.
A great option to remove old employer and trustees and take control
AVC (Additional Voluntary Contributions)
Top-up contributions made alongside your employer pension to increase your retirement fund.
Helps you boost your future tax-free lump sum and overall pension pot.
All AVCs qualify for full income tax relief, making them very tax-efficient.
Perfect for employees who want to retire earlier or with a stronger pension.
Executive Pension (Company Directors & Employees)
A pension set up by your limited company for you or your employees.
Allows large, tax-deductible company contributions — ideal for extracting profits efficiently.
Often used by directors to accelerate retirement savings.
Can also include benefits like death-in-service and income protection.
Personal Pension (Self-Employed Pension)
Designed for self-employed individuals or professionals without an employer scheme.
You contribute personally and receive full tax relief based on your age limits.
Simple, flexible and perfect for those wanting to build their own retirement plan.
Suitable for sole traders, freelancers and contractors.
Old Job Occupational Pension
This is the pension you built with a previous employer.
Often left unmanaged, many people don’t know where these funds are invested.
You can leave it where it is or transfer it to a PRB for control.
Reviewing old pensions can often improve performance.
Auto-Enrollment (New Government Pension Scheme)
A mandatory savings system for employees aged 23–60 earning €20,000+.
You contribute automatically, and your employer and the State top up your pension.
Simple, low-effort retirement saving for those without a pension.
Designed to ensure every worker in Ireland builds a long-term pension fund.
Whether it’s the right option for you as an employee or employer can only be determined through a consultation.
Work with trusted financial experts in Ireland who help your money grow smarter, stronger, and further for your future.
