38 Years of Irish Financial Experience

Established in 1986, we have built a reputation for providing expert guidance and personalised pension plans to individuals throughout Ireland.

Whether you’re looking to start a personal pension plan, review your existing arrangements, or consolidate multiple pensions, our team has the expertise and experience to help you achieve your retirement goals.

Get a free Consultation

Unbiased advice from a team of Qualified Financial Advisors (QFAs)

Access to the most competitive pension products on the market

Ongoing support and guidance to keep your pension plan on track

As someone with no Pensions or Investments knowledge, Seán and all the team made us feel our money is secure and looked after in their hands.
–Stephen, Pensions client of SPM

Seán has been looking after our pensions for over 20 years now. We would highly recommend Seán to anyone looking for professional, personal advice.
– Gerry, Pensions client of SPM

We compare plans from Ireland’s leading financial service providers

To find you the most suitable pension plan for you.

Personal Pensions

The most suitable form of private pension for most professionals. Invest in your future and receive tax benefits based on your income level.

Personal Retirement Savings Accounts (PRSAs)

We’ll help you set up and manage a tax-efficient savings plan for your retirement.

Pension Plan Review

Unhappy with your current pension? Our experts will assess your existing pension plan and ensure you’re set up financially for your retirement.

 

Speak to our team today for a no-obligation, free enquiry about your pension

Whether you’re just starting to think about your pension or you’ve got some questions about your existing plan, we’re here to help you make sense of it all.

Fill out the quick form to book your free pension consultation – it will take less than two minutes.

Alternatively, you can call us directly on (041) 983 4434






    Our Pensions & Financial Team

    Meet your team of expert advisors & Certified Financial Planners®

    Seán

    Managing Director, QFA, CIP

    Chris

    Certified Financial Planner (CFP®), MSC, QFA, BBS, SIA, GRAD DIP

    SINÉAD

    LIFE AND PENSIONS ADMINISTRATOR, QFA

    Questions About Pensions

    Things to know when starting a pension in ireland

    It’s never too early to start saving for your retirement. Ideally, you should begin contributing to a pension as soon as you start earning an income. The earlier you start, the more time your money has to grow through compound interest. Many experts recommend starting a pension in your 20s or early 30s to ensure a comfortable retirement.

    While the state pension provides a basic level of income in retirement, it may not be sufficient to maintain your desired lifestyle. The current state pension in Ireland is €277.30 per week, which may not cover all your expenses. A private pension can help supplement your state pension and ensure a more comfortable retirement. Additionally, the state pension age is set to increase in the coming years, so relying solely on it may mean you have to work longer before you can retire.

    In Ireland, pension contributions are eligible for tax relief, which can make saving for your retirement more affordable. When you contribute to a pension, you can claim tax relief at your marginal rate of income tax (either 20% or 40%). This means that for every €100 you contribute to your pension, it may only cost you €80 or €60, depending on your tax bracket. The tax relief is applied automatically if your contributions are deducted from your salary by your employer. If you’re making contributions yourself, you can claim the tax relief on your annual tax return.

    The amount you should contribute to your pension depends on various factors such as your age, desired retirement lifestyle, and current financial situation. As a general rule, it’s recommended to aim for a pension contribution of at least 10-15% of your annual income.