PENSION ADVICE
Pensions with Prosperous
Plan for a Secure Retirement with a Tailored Pension Strategy
Let’s be honest: pensions can seem complicated. But here’s the truth – they’re not. At the end of the day, a pension is just a savings plan with incredible tax perks, designed to help you secure your future. At Prosperous, we believe in cutting through the jargon and giving you clear, practical advice to make pensions work for you.
Whether you’re just getting started, want to make the most of your contributions, or need a plan as you approach retirement, we’re here to help. Forget the one-size-fits-all approach—your pension should fit your life, not the other way around.
What we offer...
Personalised Pension Plans
Your life, your goals, your pension. We’ll take the time to understand what’s important to you and build a plan around it. Whether it’s choosing the right fund or figuring out how much to save, we’ll keep it straightforward and focused on your needs.
Maximising Tax Benefits
Pensions in Ireland are packed with tax breaks, and we’ll show you how to make the most of them. From getting tax relief on contributions to growing your money tax-free and taking a tax-free lump sum at retirement, we’ll help you maximise every euro.
Comprehensive Retirement Planning
Your pension is just one piece of the puzzle. We’ll look at the bigger picture - your savings, investments, and overall goals - to make sure you’re ready for retirement. It’s about building a plan that works for your life now and in the future.
Our Pension Planning Process
Initial Consultation
We’ll sit down and chat about where you’re at financially, what your retirement dreams look like, and whether you already have a pension. It’s all about understanding what you want and need.
Pension Strategy & Investment Options
This is where we roll up our sleeves. We’ll figure out how much you should contribute, pick the right investments for your situation, and make sure you’re set up to get the best tax relief available.
Tax-Efficient Contributions
We’ll make sure you’re getting the most out of the tax relief on your contributions. If you’re self-employed, we’ll help you reduce your tax bill. If you’re PAYE, we’ll explain how your payslip changes so you know exactly what’s happening.
Ongoing Monitoring & Adjustments
As your life changes, so too should your pension strategy. We offer regular reviews to ensure your pension plan remains aligned with your goals and market conditions, making adjustments as necessary to keep your retirement on track.
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Frequently Asked Questions
A pension plan is a retirement savings account designed to help you save for the future. We’ll help you understand the options and choose a plan that aligns with your goals.
Contribution amounts vary based on income, lifestyle goals, and time until retirement. We’ll work with you to determine a realistic target that suits your financial situation.
Pension contributions are often eligible for tax relief, reducing your taxable income. We’ll help you maximise these benefits and grow your pension in a tax-efficient way.
Yes, we recommend regular reviews to ensure your pension plan remains relevant to your goals. We’ll help you make adjustments as your retirement date approaches.
Never! Even if you’re close to retirement, it’s worth setting one up. And if you’re younger? Starting now can mean massive savings later on.
Prosperous Financial Planning Limited is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Credit Intermediary on behalf of the following undertaking(s): Finance Ireland Credit Solutions DAC t/a Finance Ireland, Avantcard DAC t/a Avant Money, Haven Mortgages Ltd, Dilosk t/a ICS Mortgages