PENSIONS

We can offer a range of Pension solutions depending on your circumstances and needs.

Pension contributions are tax deductible (within Revenue limits in certain circumstances) and are considered to be a very tax efficient way of planning for your retirement.

For employees, you can normally obtain relief at your highest rate of 41% plus relief on PRSI at 8% = total relief of 49%. If you contribute Euro 1,000 to a Pension, it may only cost you Euro 510.

For SELF EMPLOYED, you can get Income Tax relief at up to 41%.

There are different types of schemes, the most common of which are: -

Company Pension plans (typically for Employees) (often referred to as occupational or executive schemes)

Directors and Owners Pension plans

Personal Pension plans (typically for the Self employed)

P.R.S.A. (Personal Retirement Savings Accounts) - available to both Employees and Self employed

A.V.C.'s (Additional Voluntary Contributions)

Self Directed / Administered Schemes (typically Owner/ Director/ Higher Income earner)

If you already have an existing scheme, we are happy to review the scheme and provide independent advice going forward - it is important to review existing schemes on a regular basis.

More detailed information on each of those schemes are on the following pages - choose the one appropriate for you and consider further:

Company Pensions

Personal Pensions

PRSA's

Self Directed/Administered

AVC's

Property through a Pension

Next step: Tell us a bit about you and we will be in touch to discuss your options