What is the main difference between income and salary protection insurance?

Salary protection insurance often provides coverage only for your basic salary, whereas income protection may cover additional bonuses and benefits.

What factors affect the cost of my income protection policy?

Factors such as age, health, occupation, and the level of coverage chosen can affect the cost of income protection Ireland insurance.

Can I customize my income protection insurance?

Yes, you can offer flexible options in terms of coverage amount, waiting periods, and payout options, at Clever Money, making it easier for you to tailor the insurance to your needs.

Secure Your Future: Ireland's Best Private Pension Planner

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Pensions cover two major groups – firstly SAVING BEFORE Retirement, a primary concern for any Private Pension Planner, and secondly INCOME AFTER Retirement – we deal with both groups

Exploring Private Pension Options in Ireland

In the first group, there is a range of different pensions that can be offered, subject to your circumstances. Most of these will allow you to save for retirement and get Tax benefits for doing so. A Survey by the Central Statistics in 2020 shows that 65% of adults under 70 have made some form of provision for retirement on top of the State Pension. Of these, 70% have a pension through their jobs. This leaves a lot of people who need to speak with a Financial Adviser to get guidance for many queries, such as:

How much should I pay in?
How much Tax relief will I get?
Can I top up my Work pension as I will not get enough?
I have an old pension when I worked in the UK. Can I transfer it to Ireland?
What will I get from the State Old Age Pension/ and when will I qualify for it?
I have moved jobs – what should I do with my pension from my last job?
I am self-employed but do not know how much profit I will make – what should I pay?
I have turned my business from Sole Trader to a Limited Company – do I need to do anything?
Somebody has recommended I move my DB pension into a fund but I am afraid of giving up my guarantees. Is this wrong?
I have an old Occupational Scheme that someone on Facebook is trying to get me to cash in. Is this wise?
I saw an ad on Social Media offering early access to my pension – I went ahead and after it was transferred to Malta, my money is gone. Is it lost or can I get it back?

I am about to Retire or I have Retired with Private Pension Ireland

From our research, less than 20% of people have a firm understanding of what they are likely to receive when they retire. We want to increase that number.

If you have reached retirement age, then you have more challenges:

I have an occupational scheme – why is my Lump Sum less than I expected?
How do I calculate if it makes more sense to take a Lump Sum or Annual Pension?
I have an AVC. Can I use this to fund my Lump Sum?
I have a Defined Contribution/Money Purchase Scheme – should I take an Annuity or an ARF?
I have a Pension in the UK. Can I retire from this also?
I have retired before age 66. How do I fund my retirement until my OAP kicks in?
I am afraid of running out of income in retirement. How do I avoid this?
What happens to my income if I or my partner needs to go into a Nursing Home?

There are a lot of variables when planning for Retirement – both before and after. You must take the worry out of it by consulting an Expert, especially when it comes to income protection insurance in Ireland. Talk to us. There is no such thing as a silly question.

We have been advising our clients on their Pensions for an average of 30 years. We do not take shortcuts, and will always have your best interests at heart.

How Private Pension Ireland Works?

In Ireland, private pensions are an essential component of financial planning Ireland. These pension schemes cater to both employees and the self-employed, offering a structured approach to building a secure financial future. Contributors make regular contributions, often with the added advantage of tax relief, with the government typically providing a 25% top-up on contributions for basic rate taxpayers.

Private pension funds are invested in various assets, managed by professionals to maximize returns. The retirement age for accessing these funds is typically 55 (rising to 57 from 2028), and contributors have flexibility in choosing their retirement income options.

Why Choose Us?

Expertise: Our team of pension professionals has extensive experience in the field of private pensions and retirement planning in Ireland.
Tailored Solutions: We understand that everyone's financial situation is unique. That's why we offer customized pension plans that align with your goals and objectives.
Transparent Advice: We believe in providing clear and transparent pension advice, ensuring that you have all the information you need to make informed decisions about your retirement.
Tax Efficiency: We help you take advantage of the tax benefits that come with private pension contributions, ensuring that you optimize your savings.