PENSIONS

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Halpin Wealth and Mortgages

Retire on your terms

A pension is not just a product. It is a plan. We help you build, grow, and eventually draw from your retirement fund in a way that works for your life.

Book a Free Pension Review

It is about more than accumulating a pot of money

Retirement planning is about knowing how much you will need, when you will need it, and how to make it last. Whether you are starting your first pension, consolidating old employer schemes, or planning your transition out of work, we help you at every stage.

Do you have old pension pots you have lost track of?

Most people who have had more than one job have more than one pension. We specialise in reviewing old pension pots and bringing forgotten schemes back into a single, managed plan. The money is still there and still legally yours. We help you find it and make the most of it.

Why Start or Review Now

The Earlier the BetterThe longer your pension has to grow, the less you need to contribute each month
Tax Relief AvailablePension contributions attract tax relief at your marginal rate, making them one of the most tax-efficient things you can do
Our ApproachWe review your full pension position and build a plan that targets the retirement income you actually need

What We Cover

Pension Types We Advise On

Every client's pension situation is different. We advise on the full range of pension structures available in Ireland.

Whether you are self-employed, in employment, a company director, or approaching retirement, the right pension structure depends on your circumstances. We assess your full situation and recommend the most appropriate plan for where you are now and where you want to get to.

Personal Pension

  • Suitable for the self-employed and those without employer schemes
  • Contributions attract tax relief at your marginal rate
  • Flexible investment options to suit your risk profile
  • Tax-free lump sum available at retirement

PRSA

  • Personal Retirement Savings Account
  • Flexible contributions, pause or change at any time
  • Portable, stays with you when you change employer
  • Suitable for employees and the self-employed

Company Pension Scheme

  • Employer contributions on top of your own
  • Higher contribution limits for company owners
  • Significant tax efficiency for business owners
  • We advise both individuals and companies

PRB (Personal Retirement Bond)

  • Used to transfer benefits from a previous employer scheme
  • Keeps your pension in your own name and under your control
  • Better investment choice than leaving in a deferred scheme
  • We review the transfer value before recommending

After Retirement — ARFs and Annuities

  • ARF — keep your fund invested and draw a flexible income in retirement
  • ARF fund passes to your estate on death, unlike an annuity
  • Annuity — exchange your fund for a guaranteed income for life
  • Right choice depends on your health, income needs, and attitude to risk
  • We advise on both and help you make the right decision at retirement

Old and Forgotten Pensions

  • We trace pensions from previous employers
  • We review transfer values and current investment performance
  • We assess whether to consolidate or leave in place
  • Older schemes often carry poor default funds and high charges

Our Approach

Our Four-Pillar Retirement Framework

A complete retirement plan covers more than just contributions. We look at all four stages of your retirement journey.

01

Accumulation

Building your pension fund as tax-efficiently as possible throughout your working life.

02

Protection

Ensuring illness or death does not derail the plan before you reach retirement.

03

Transition

Structuring your exit from full-time work in the most tax-efficient way possible.

04

Distribution

Drawing your retirement income efficiently through an ARF or annuity to make it last.

What Our Clients Say

Google Reviews

  • ​Ben took care of my initial free consultation regarding financial and tax matters. I will certainly rely on them for... read more

    Miguel Masó Avatar Miguel M.
    November 24, 2025

    I’ve worked with Ben from the team at Halpin Wealth Management over the last year. Ben guided me through my... read more

    Scott Sinclair Avatar Scott S.
    May 13, 2024

    I couldn’t recommend HWM more highly. After years of putting it off, my husband and I decided it was time... read more

    Nina Avatar Nina
    May 9, 2025

  • My sister put me in touch with Drury at Halpin Wealth Management earlier this year and I could not have... read more

    James Cook Avatar James C.
    May 8, 2025

    From the very first meeting, Sam and Ben at Halpin Wealth Management have made me feel valued and understood. Ben... read more

    Tracy McCarthy Avatar Tracy M.
    August 13, 2024

    100% recommend. Drury gave excellent advice around investments, and Sheila was also great, handling all the paperwork and making the... read more

    Kevin Montgomery Avatar Kevin M.
    October 13, 2024

  • I have been a client of Halpin Wealth Management for close to two years now. Very insightful advice and has... read more

    Brían French Avatar Brían F.
    May 13, 2024

    I have to recommend Drury's attention, professionalism, and speed with which he treated me and gave me advice. Highly recommended.

    marma rivas Avatar marma r.
    September 22, 2025

    I can’t reccomend HWM enough. Sam was super helpful for my pension planning, took the time to explain best practices... read more

    C S Avatar C S.
    May 29, 2025

The Process

What to Expect at a Pension Review

01

Book a Review

Schedule a free, no-obligation pension review at a time that suits you.

02

We Assess Your Position

We review your current pensions, contributions, and retirement timeline.

03

We Build Your Plan

We project your retirement income and identify the gaps that need addressing.

04

You Retire with Confidence

A clear plan means you know exactly where your retirement income is coming from.

Book a Free Pension Review

Book a pension review

Find out where your retirement income is heading and what you can do about it.

Book Your Free Review

Got Questions?

Frequently Asked Questions

The honest answer is as early as possible. The earlier you start, the longer your fund has to grow and the less you need to contribute each month to reach your retirement goal. That said, it is never too late to start. Whether you are in your 30s, 40s, or 50s, a well-structured pension plan can still make a significant difference to your retirement income.
You receive tax relief on pension contributions at your marginal rate of income tax. If you pay tax at 40%, a 100 euro contribution effectively costs you 60 euro. The maximum contribution limits vary by age, from 15% of earnings under 30 up to 40% for those aged 60 and over. This makes pensions one of the most tax-efficient ways to save for retirement in Ireland.
Your pension benefits stay in the employer scheme as a deferred benefit, or you may be able to transfer them to a Personal Retirement Bond (PRB) in your own name. We strongly recommend reviewing deferred pensions as they are often invested in poor default funds with charges that erode your savings over time. We can assess your transfer value and advise on the best course of action.
An Approved Retirement Fund (ARF) is a post-retirement investment vehicle that allows you to keep your pension fund invested after you retire and draw an income from it flexibly. It is an alternative to an annuity, which provides a fixed income for life. Which is right for you depends on your circumstances, health, and income needs. We advise on both and help you make the right choice at retirement.
Yes. It is very common for people to have multiple pensions from different employers, alongside a personal pension or PRSA. Having multiple pensions is not necessarily a problem, but they need to be reviewed together as a whole to ensure you are on track and not paying unnecessary charges across multiple policies.
This is one of the most common conversations we have. We help trace old pensions from previous employers, contact scheme administrators, obtain transfer values, and assess whether consolidating makes financial sense. The money is still there and still legally yours. A pension audit takes one meeting and could uncover significant savings you had forgotten about.
Yes, completely. We review your current pension position, project your likely retirement income, and identify any gaps or improvements. There is no obligation to proceed with any recommendations. Most people come away with a much clearer picture of where they stand, which in itself is valuable.

Also of Interest

Our Other Services

Retirement planning works best as part of a complete financial plan. Explore our other services below.

Financial Planning
Find Out More →
Protection
Find Out More →
Savings & Investments
Find Out More →
Mortgages
Find Out More →

Your retirement income won't plan itself.

Book a free pension review and find out exactly where you stand.

Book a Free Pension Review Call 021 203 2090

Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. These pages are for information purposes only and do not constitute financial advice.
Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.