Plan Your Next Act with Confidence – Expert Retirement Planning

Get trusted, pension advice tailored to your goals from certified Irish financial advisors.

  • Bespoke pre-retirement planning
  • Optimum decisions at-retirement
  • Maximising wealth post-retirement

Trust & Credentials

  • Fully Certified & Regulated by the Central Bank of Ireland
  • Advisors with QFA & CFP®️ credentials and over 15 years of experience
    – Fee transparency
    – Your best interests come first

Is Your Pension on Track to Support The Next Act in your Life?

Avoid gaps in your retirement income

Maximise tax relief on pension contributions

Get expert advice on PRSA, AVCs, Executive Pensions, and more

A Proven Pension Planning Process That Works

Free Initial Consultation

In-Depth Financial Review

Strategy Design (aligned to your risk profile and retirement goals)

Plan Implementation & Product Setup

Ongoing Monitoring & Reviews

Tailored Services

Tailored Pension Advice—Not One-Size-Fits-All

PRSA & Personal Pensions

Addressing key issues for our clients, including:

  • Charges, Value for Money & Regulation
  • Investment Strategy & Risk Management
  • Retirement Options, Access & Tax Considerations

Executive Pensions & Company Schemes

Full support in navigating areas such as:

  • Funding, Contribution Limits & Tax Efficiency
  • Scheme Design, Governance & Compliance
  • Benefits at Retirement & Member Options

Pension Transfers (UK/Ireland)

Total solutions including

  • Tax Treatment & Cross-Border Rules
  • Regulatory Compliance & Advice Requirements
  • Suitability, Benefits & Currency Risk

Pension Advice for Business Owners & Self-Employed

Expert advice in considering key issues such as:

  • Contribution Flexibility & Tax Efficiency
  • Retirement Planning & Income Sustainability
  • Choice of Pension Structure & Exit Planning

Pre- and Post-Retirement Planning

Core part of pension advice, focusing on

  • Accumulation Strategy (Pre-Retirement)
  • Retirement Options & Income Planning (At and Post-Retirement)
  • Ongoing Management, Tax & Estate Planning (Post-Retirement)

The LHW Difference

Client Focused, Expert Advice – From A Team That Truly Puts You First

Employers & Individuals

Comprehensive Service

Truly Client-Focused Advice

No product or provider bias

50 Years

Long-Term Relationships, Delivering for Clients

Expert Team

Long-Term LHW

LHW Investing

People, Systems, Facilities

Governance & Compliance

Protecting our Clients

Our Team

Testimonials

Frequently Asked Questions About Pensions in Ireland

When Should I Start Pension Planning?

The simple answer is as early as possible. Starting your pension sooner allows your investments more time to grow, benefiting from compound returns over the long term. 

However, it’s never too late to begin. Whether you’re just starting your career, self-employed, or approaching retirement, a well-structured pension plan can make a significant difference to your financial future. We tailor strategies based on your stage of life, goals, and income.

Yes, in many cases you can transfer a UK pension to Ireland, typically into a Qualifying Recognised Overseas Pension Scheme (QROPS). This can help simplify your retirement planning, reduce currency risk, and align your pension with Irish tax rules. However, transfers can be complex and require careful consideration of tax implications and benefits. Our advisors guide you through every step to ensure the transfer is suitable and efficient.

Pension contributions in Ireland benefit from generous tax relief at your marginal rate of income tax, up to 40% for higher earners. The amount you can contribute depends on your age and income, with higher limits as you get older. 

This makes pensions one of the most tax-efficient ways to save for retirement. We help you maximise your relief while staying within Revenue limits.

A Personal Retirement Savings Account (PRSA) is a flexible, portable pension suitable for employees, the self-employed, or those without access to an occupational scheme. A Personal Pension is typically structured for self-employed individuals or company directors and may offer broader investment options. The right choice depends on your employment status, contribution level, and long-term goals. We help you select and structure the most appropriate option.

Absolutely. Self-employed individuals have unique financial planning needs, particularly around retirement planning, income protection, and tax efficiency. We specialise in designing pension and investment strategies that provide flexibility while maximising tax advantages, ensuring you build long-term security without compromising your current cash flow.

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Start Your Financial Planning Journey Today

Whether you’re planning retirement, growing your savings, or managing employee pensions — let’s talk.

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