Personal pension advice in Wicklow
A pension you never chose and never reviewed is a collection of decisions made over time. Mark's Pensions helps you see what you hold, what it may cost and what your next decision should be.
This review is for professionals aged 45 to 60, Dublin commuters living in Wicklow, employees without a workplace scheme and couples whose pension savings have grown at different rates.
Clear advice. Written down.
Start with what is unclear
Different working lives leave different questions. Choose the one closest to yours.
Pension review near Dublin
A useful review starts with the contracts you already have. It checks the detail before recommending any change.
Pension contribution advice in Ireland
Small changes have more time to build when you make them earlier. The right contribution still depends on your income, pension type and plans.
For personal contributions, Revenue's age-related limits set the maximum percentage of relevant earnings that may qualify for tax relief. They are limits, not a recommended target.
A simple comparison. An extra €200 each month adds €24,000 of contributions over ten years, or €4,800 over two years. That is before investment returns, charges and tax relief.
| Age | Maximum age-related limit |
|---|---|
| Under 30 | 15% of relevant earnings |
| 30–39 | 20% of relevant earnings |
| 40–49 | 25% of relevant earnings |
| 50–54 | 30% of relevant earnings |
| 55–59 | 35% of relevant earnings |
| 60 and over | 40% of relevant earnings |
Revenue rules, relevant earnings limits and scheme conditions apply. Relief depends on individual circumstances; these percentages are not a personal recommendation.
Directors may also need to compare personal contributions with employer or company contributions. The rules and tax treatment differ, so the company structure and pension arrangement matter.
A fund choice should have a reason
Your pension's investment mix needs to make sense for how long it has to grow and how you expect to use it. It should be reviewed as retirement gets closer.
A risk profile records how much investment uncertainty you can accept and how long your savings may remain invested.
Your plans, income needs and ability to absorb market falls can change. The review checks these again instead of leaving an old profile on file.
Default strategies, multi-asset funds and lifestyle options make different choices about diversification and how investments shift over time.
Some options change the investment mix as a selected retirement date approaches. We check whether that destination fits how you expect to take benefits.
Fund charges reduce the amount invested. Concentrated holdings can also create more exposure to one market or investment type.
It checks whether the fund still matches your stated approach, the time remaining and your retirement plans. Investment values can fall as well as rise.
Risk discussions and their reasoning should be documented. Fund selection depends on your circumstances and does not remove investment risk.
Illustrative planning view
This is a planning prompt, not a fund forecast. A personal projection needs your statements, contributions and assumptions.
The figures are not shown until your own pension details and assumptions have been reviewed. Pension values and income are not guaranteed.
Retirement planning for professionals
A projected fund value is only one part of the decision. The review looks at your intended retirement date, likely spending and other income sources together.
A considered process
You'll know what is needed at each stage. The reasoning stays visible.
We establish what you want retirement to look like, what arrangements you know about and which decisions feel most pressing.
You'll receive a straightforward list of statements and information to bring. We can identify gaps before the review moves on.
We assess policies, charges, funds and contributions, then discuss the assumptions behind any projections.
Your meeting explains the findings and the reasons for each recommended action. Implementation support and a scheduled annual review can keep the plan under review.
Greystones, County Wicklow
Bring the questions you have now. The review leads to documented advice, with no pressure to change provider.