Authorisation details
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Pension advice in Greystones and North Wicklow
Your pensions need one clear plan.
Several old workplace schemes, unclear charges and no single retirement figure can make it hard to know what to do next. Mark's Pensions provides independent pension planning for individuals, directors and employers across Wicklow and South Dublin.
Greystones, North Wicklow and South Dublin. Meet in person or by phone.
Start with the facts.
- What pensions and benefits have you already built up?
- Are charges, risk and fund choices clear?
- What contribution could fit your circumstances?
- What retirement income might your plan support?
One meeting. A clearer view.
Policies and schemes
Contribution years
Funds, risk and charges
Retirement income options
Clear records. Checkable details.
Advice you can check and records you can keep.
You should understand who is advising you, how the advice is paid for and why a recommendation fits. We put those details in writing.
Qualifications on record
Ask for the adviser's relevant qualifications, professional standing and continuing development record before you proceed.
Fees explained first
We'll set out how advice is charged, what the agreed service includes and any costs that sit outside it.
Written recommendations
Recommendations are documented with their reasons, including when a pension transfer or consolidation is considered.
Take time to check the details. You don't need to make a decision in the first meeting.
Advice for each stage
Pension and retirement services.
Pension advice in North Wicklow should fit the way you work, save and expect to retire. Choose a starting point.
Personal pension planning
Review your existing arrangements, contribution level and likely retirement income. Useful if you don't have a workplace scheme or want a clearer picture.
Explore personal pensionsEmployer pension services
Compare scheme options, plan group pension or PRSA arrangements and give staff clear information about what is changing.
Explore employer plansMyFutureFund readiness
Review payroll preparation, identify employees who may be affected and consider how qualifying alternatives fit your business.
Discuss employer readinessDirectors and self-employed
Plan pension funding around company ownership, irregular income and the years leading up to a business exit.
Explore director planningConsolidation and investment review
Compare policy charges, guarantees, investment risk and fund preferences before deciding whether any change is suitable.
Review existing pensionsRetirement income, ARF and drawdown
Compare annuity and ARF options, consider State Pension income and model withdrawals against your spending needs.
Explore retirement incomeLocal pension planning
Who we work with across County Wicklow.
A pension plan should reflect your working life and the people who depend on you. Here's where many conversations begin.
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Professionals aged 45 to 60
You have saved for years, but want a projection that replaces vague confidence with useful next steps.
Plan your next contribution -
Commuters with old workplace schemes
Living in Greystones, Bray or Delgany can mean several small pensions from past employers and paperwork spread across providers.
Review separate pension pots -
Employees without a workplace pension
Compare a PRSA and personal pension contract against your circumstances before setting a contribution.
Compare personal options -
Couples planning retirement together
Bring separate pension values, likely retirement dates and household spending into one shared discussion.
Arrange a joint conversation -
Owner-managed Wicklow businesses
Coordinate director and staff arrangements with company cash flow and the business owner's plans.
Discuss a company scheme -
People returning to Ireland
Set out the pensions you hold in different countries and identify which rules need specialist review.
Talk through cross-border questions
A starting estimate, not a recommendation
See an indicative gap between what you have and what you may need.
Change the figures to see how time and contributions affect a simple projection. Small changes in assumptions can produce very different results.
Indicative projected fund
Enter your figures to see an illustrative comparison.
Request a written projectionIllustration assumes 4% annual investment growth before inflation, charges and tax, with contributions paid monthly. The comparison estimates capital at 4% of annual income as a simple reference only. It excludes State Pension and other assets. It is not a forecast or personal financial advice.
A clear sequence
How our pension advice process works.
You know what happens next at each stage. A transfer is never treated as an automatic step.
Talk through your plans
We ask about your work history, existing arrangements, family circumstances and the age you hope to retire. Start with the questions that matter to you.
Gather the details
We review policies, scheme statements, contributions, charges and available benefits. Missing information is identified before a recommendation is made.
Set out a written strategy
You receive a pension summary and prioritised action list after the first meeting, followed by written recommendations where advice is agreed.
Put suitable steps in place
If you decide to proceed, we support agreed implementation and review the plan as your work, family needs or pension rules change.
Illustrative planning situations
Planning outcomes we build for.
These are common planning situations, not client case studies. The right recommendation depends on the actual policy terms and personal circumstances.
Illustrative profile · Wicklow commuter
Four old schemes from different employers
The question is whether keeping separate policies still makes sense when charges, investment choices and benefits differ.
Planning focus: Compare each scheme's costs, guarantees, benefits and fund suitability before considering any transfer.
Illustrative profile · Company director
Retirement funding alongside irregular drawings
Business income changes from year to year, while personal retirement planning needs a longer view.
Planning focus: Review available executive arrangements alongside company cash flow and the director's intended exit timing.
Illustrative profile · Couple in their fifties
Different pension values and retirement dates
Separate statements can make it hard to see how each person's plans fit into household spending.
Planning focus: Model contributions, expected income and retirement dates together, while keeping each person's benefits clear.
Illustrative profile · Five years to retirement
Choosing how retirement savings may pay out
A pre-retiree wants to compare predictable income with flexible withdrawals and understand the trade-offs.
Planning focus: Compare annuity and ARF options against expected spending, risk tolerance and other sources of income.
A specialist focus
Pensions are the work. Advice should be specific.
Mark's Pensions focuses on pension planning, retirement strategy and fund management for people and businesses in Greystones and North Wicklow. That focus keeps conversations on policy terms, contribution choices, investment risk and the income a plan may support.
Fund selection should start with your risk profile, time horizon and charges. It should also account for any investment preferences you want considered. No investment result can be guaranteed.
Meet in Greystones or arrange a phone conversation if you commute through Bray, Delgany, Kilcoole, Newtownmountkennedy or South Dublin. Adviser credentials and regulatory status should be checked before you engage.
Learn more about the advice approachClear communication matters
What clients across Wicklow need from pension advice.
These are common feedback themes, not client quotations or ratings. Individual experiences vary, and recommendations depend on each person's circumstances.
Plain explanations
Make the difference between each old employer scheme easy to understand, including charges, benefits and what could be lost by transferring.
A fair comparison
Show company directors how proposed pension funding compares with their business needs and personal retirement timetable.
One household view
Set out each partner's pension and likely retirement income so a couple can discuss dates and spending on the same page.
Straight answers
Pension questions we hear in Wicklow.
Do I need to move my old pensions?
No. A review can start with the schemes where they are. Any transfer should be considered only after checking costs, benefits, guarantees, investment choices and whether the move suits your circumstances.
How much should I contribute each month?
That depends on your age, existing pension value, income, intended retirement date and the income you want later. A projection can compare contribution levels, but it cannot promise an outcome.
Can I begin with a modest contribution and raise it later?
Contribution options depend on the pension arrangement and your circumstances. We can discuss a starting amount and review it when your income or priorities change.
How could auto-enrolment affect me or my business?
Eligibility and employer duties depend on the rules in force and the employee's circumstances. Employers should review payroll readiness and current scheme arrangements against up-to-date official guidance.
Can you advise my partner and me together?
A joint meeting can help you discuss household spending and retirement dates. Each person's pension, needs and recommendations still need to be assessed individually.
What does pension advice cost, and when is it payable?
Fees depend on the agreed work. You will receive an explanation of the charge, what it covers and when it is payable before deciding whether to proceed.
Useful starting points
Planning notes for the decisions ahead.
Bring the right questions to your next pension conversation. Each topic leads to a focused service page.
For individuals
Rebuilding contribution momentum
Questions for professionals aged 45 to 60 who want to review progress and future contributions.
Read about personal planning For employersPlanning a workplace pension
Consider scheme design, payroll coordination and how to explain pension changes to staff.
Read about employer plans Before a transferQuestions to ask before consolidating
Compare charges, guarantees, benefits and investment suitability before making a decision.
Review consolidation options Returning to IrelandPensions held in more than one country
List each arrangement and its location before checking which rules apply to your situation.
Ask about your circumstancesA considered first step
Start with a conversation about your retirement.
Bring a list of your pension providers and the questions you want answered. Mark's Pensions will explain the next steps and any costs before you decide how to proceed.
Book a consultationWe'll reply to your enquiry and outline what information may help before a meeting.