Retirement & Pension Planning
Advice at every stage of life, from your first pension to the years just before you stop working. We look at where you are now and where you’d like to be, and build a plan that grows up alongside you.
Clear, practical pension advice, built around you.
Planning for individuals and businesses, never tied to a single provider.
Regulated by the Central Bank of Ireland
Pension calculator
Most people spend longer planning a two-week holiday than a thirty-year retirement.
It doesn’t have to be that way. We know it’s hard to plan for something you can’t imagine, so try the numbers below and see how yours could look. No sign-up, no catch.
Your age now35
Monthly contribution€300
Retire at66
Growth outlook
Assumes 5% average annual growth (Balanced) from age 35 to 66, and 2% annual inflation to show the figure in today’s money. No charges or tax relief are applied.
This is an illustration, not advice or a quote. Figures are estimates based on the assumptions shown and aren’t guaranteed. Investments can fall as well as rise. Your actual pension will depend on your circumstances, charges, tax and investment performance. For advice built around you, book a consultation.
Who we are
Qualified pension specialists, working with you for the years ahead.
- Kilkenny
- Dublin
- Cork
- Waterford
We’re not tied to a single provider, so our advice starts with your circumstances, not a product list. We explain every option in plain language, and we don’t disappear once the paperwork is signed.
Brendan Cooke
Director
Thomastown, Co. Kilkenny
- QFA, Qualified Financial Adviser
- FLIA, Fellow of the Life Insurance Association
- FIIPM, Fellow of the Irish Institute of Pensions Management
- AITI, Associate of the Irish Tax Institute
43 years in pensions and financial services, specialising in corporate and group pensions.
Billy Burke
Certified Financial Planner
Dublin
- CFP®, Certified Financial Planner™
Over 14 years in financial services, specialising in pensions, retirement planning and group schemes.
What we do
How we can help.
Personal & Company Pensions
Personal pensions, company schemes, and corporate and executive pensions, structured to fit how you earn. Whether you’re employed, self-employed or running a business, we’ll help you find the arrangement that suits you.
Pension Reviews & Consolidation
Reviewing the pensions you already have, from previous jobs or older policies, and bringing them together where it makes sense, so nothing gets left behind and you can see everything in one place.
Questions
FAQs for pension & retirement planning
Can’t see your question? We’re happy to help.
A Personal Retirement Savings Account is a personal pension that you own. It stays with you if you change jobs, your employer can contribute to it, and your contributions can qualify for tax relief.
A company pension is set up by your employer for its employees, with rules set by the scheme. A PRSA is a personal contract that belongs to you and moves with you. Which suits you better depends on your job, your employer’s contributions and your plans.
Pension contributions can get income tax relief at your highest rate of tax, up to limits based on your age and earnings. It is one of the most effective ways to save for retirement. We can show you exactly what applies to you.
Auto-enrolment is a State scheme that automatically enrols employees who are not already in a workplace pension, with contributions from you, your employer and the State. If you already have a pension through work, you may not be affected. We can check where you stand.
Usually not before a minimum age, which depends on the type of pension you have. There are limited exceptions, such as serious ill health. We can explain the options for your pension.
There’s no single right number. It depends on the income you want in retirement, when you plan to stop working and what other income you’ll have, including the State Pension. Our calculator gives a rough picture, and a review gives you a proper answer.
You usually have options: leave it where it is, move it to your new employer’s scheme, or transfer it to a personal arrangement such as a PRSA. The right choice depends on the scheme and your plans, so it’s worth getting advice before you decide.
Next step
Start with a conversation.
Your first consultation is free and comes with no obligation. Tell us where you are now and where you’d like to be.