Pension planning
Expert pension planning and retirement strategies to secure your financial future and achieve the retirement lifestyle you deserve.
Strategic, flexible, and future‑focused
We create comprehensive pension strategies that adapt to changing regulations and personal circumstances. Our approach ensures you maximise your retirement income while maintaining flexibility for life's unexpected changes.
Goal-oriented planning
Every pension strategy is built around your specific retirement goals and desired lifestyle.
Tax efficiency
We maximise tax relief and minimise tax implications to optimise your pension savings.
Long-term perspective
Strategic planning that considers inflation, market changes, and evolving pension regulations.
Transparent pricing
Clear policy costs and fees so you always know what you are paying and why.
Regulated, experienced and Ireland‑focused
Authorised and supervised by the Central Bank of Ireland. Clear guidance on PRSA, AVCs and retirement income options.
+
Clients advised
%
Central Bank regulated
+
Years experience
min
Free consultation
Our pension services
Comprehensive pension planning solutions for every stage of your career and retirement.
Workplace pension advice
Optimise your employer pension contributions and understand your options for maximum retirement benefit.
PRSA and AVCs
Set up and manage Personal Retirement Savings Accounts and Additional Voluntary Contributions within Irish rules.
Pension transfers
Professional advice on transferring defined benefit and personal pensions to optimise your retirement income.
Pension consolidation
Simplify your retirement planning by consolidating multiple pension pots into a single, well-managed strategy.
Retirement income planning
Plan tax‑efficient retirement income using ARF/AMRF, annuities and lump sums within Revenue guidelines.
Contribution and tax relief
Understand Irish contribution limits, tax relief and how to structure payments to maximise outcomes.
Why choose us
Pension expertise you can rely on
Our deep pension knowledge, personalised advice and Ireland‑specific guidance help you retire with confidence.
Specialist expertise
Extensive knowledge of pension regulations, transfer values, and retirement income strategies.
Personal guidance
Individual attention with regular reviews to keep your pension strategy aligned with your goals.
Regulated advice
Authorised and supervised by the Central Bank of Ireland.
Ongoing support
Regular pension reviews and adjustments as regulations change and your circumstances evolve.
Proven results
Track record of helping clients achieve their retirement income goals through strategic pension planning.
Clear reporting
Transparent pension valuations and projections so you always know where you stand.
How our pension advice works
A clear three‑step journey from discovery to retirement income.
Free consultation (45 minutes)
We review your pensions, contributions and goals, and identify opportunities for improvement.
Personalised strategy
We recommend PRSA/AVC and transfer options where suitable, with clear tax and cost implications.
Implementation and reviews
We implement changes and provide ongoing reviews so your retirement plan stays on track.
Working with Shane and the team at Empowered Money has been a hugely positive experience.
Shane's clear, strategic financial advice gave me the confidence and ability to take over a year off work, to travel and spend time with family, while continuing to contribute to my pension and maintaining my financial stability.
Thanks to his guidance, I've now reentered the workforce in a strong position, with my long-term goals still fully on track. I'm incredibly grateful for his support, insight, and the peace of mind his expertise has provided.
Andrea Henry
Customer of Empowered Money
Pension planning FAQs
Common questions about pension planning, transfers, and retirement income strategies.
When should I start pension planning?
The earlier the better due to compound growth, but it's never too late to start. Whether you're in your 20s or approaching retirement, we can help optimise your pension strategy for your specific situation.
How much should I contribute to my pension?
This depends on your income, retirement goals, and other financial commitments. As a guide, many aim to contribute 15-20% of their salary, including employer contributions, but we'll calculate the right amount for you.
Should I transfer my final salary pension?
This is a complex decision requiring specialist advice. Final salary pensions provide valuable guaranteed income, but transfers can offer flexibility and inheritance benefits. We'll provide comprehensive analysis of your options.
What is a PRSA and do I need one?
A Personal Retirement Savings Account is a flexible Irish pension structure. It suits many employees and self‑employed people who want control over contributions and investment choice.
How can I access my pension at retirement?
You typically have several options: take 25% as a tax-free lump sum, purchase an annuity for guaranteed income, use pension drawdown for flexible access, or a combination. We'll help you choose the best strategy.
What are the current Irish pension contribution limits?
Contribution limits depend on age‑related Revenue thresholds and PRSA/AVC rules. We'll ensure you maximise reliefs within current Irish limits.
Can I consolidate my old pension pots?
Often yes, and this can simplify management and potentially reduce fees. However, you might lose valuable benefits, so we always conduct thorough analysis before recommending consolidation.
How do I know if my pension is on track?
We provide regular pension reviews including projections of your likely retirement income. This helps identify any gaps and adjust your strategy to stay on track for your retirement goals.
Retire with clarity and confidence
Book your free 45‑minute consultation. We'll map your route to a secure retirement using Ireland‑specific pension options.