Pension inheritance review
€875.00Our foundational service for anyone who wants clarity on what happens to their pension when they die. You'll receive a comprehensive analysis of your current pension arrangements and how they'll transfer to your beneficiaries.
What's included:
- Analysis of all your pension arrangements (occupational, personal, PRSAs)
- Review of current beneficiary designations
- Tax impact assessment for your heirs
- Identification of gaps or risks in current setup
- Clear explanation of inheritance rules and options
- Recommendations for improvement
Best suited for:
Individuals or couples who want to understand their current situation before making any changes. Those who haven't reviewed their pension beneficiaries in several years.
Family legacy optimization
€1,450.00Strategic restructuring of your pension and estate to minimize tax impact and maximize what your loved ones inherit. This service goes beyond analysis to implement coordinated changes across your financial life.
What's included:
- Everything in the Pension Inheritance Review
- Strategic pension restructuring recommendations
- Coordination with your will and estate plan
- Tax minimization strategies for beneficiaries
- Life insurance integration review
- Updated beneficiary documentation
- Coordination with your solicitor (if needed)
- Implementation roadmap and support
Best suited for:
Those who already know they want to make changes to optimize their family's inheritance. Individuals with estates worth €500,000 or more where tax planning becomes especially valuable.
Spousal protection planning
€1,125.00Focused specifically on ensuring your spouse or partner is financially secure if something happens to you. We review all pension options, survivor benefits, and coordinate with life insurance to create comprehensive protection.
What's included:
- Analysis of spousal pension continuation options
- Review of all survivor benefit provisions
- Life insurance adequacy assessment
- Income replacement planning
- Tax-efficient income strategies for surviving spouse
- Coordination of all spousal protections
- Documentation updates and implementation
Best suited for:
Married couples or those in long-term partnerships where one partner is the primary earner or has significantly more pension assets. Particularly important for single-income families.
Multi-generational wealth transfer
€2,340.00For those with larger estates who want to benefit not just their children but also grandchildren. We design sophisticated structures that transfer wealth across generations while maintaining control and flexibility during your lifetime.
What's included:
- Comprehensive estate and pension audit
- Multi-generational tax planning strategies
- Trust structure evaluation and recommendations
- Pension sharing and allocation strategies
- Capital Acquisitions Tax optimization
- Family governance considerations
- Coordination with accountants and solicitors
- Detailed implementation plan with timeline
- Annual review for three years included
Best suited for:
High-net-worth individuals with estates exceeding €1.5 million who want sophisticated planning across multiple generations. Those concerned about business succession or property portfolios.
Divorce and pension splitting advisory
€1,680.00Specialized guidance for those going through divorce or separation where pension assets need to be divided. We help you understand pension valuation, splitting options, and how to protect your retirement while meeting legal obligations.
What's included:
- Pension valuation and assessment
- Analysis of splitting options and implications
- Long-term impact modeling for both parties
- Coordination with family law solicitor
- Post-divorce pension rebuilding strategy
- Beneficiary update recommendations
- Expert witness support if needed
Best suited for:
Individuals going through divorce or separation where pension assets are significant. Those who need independent expert analysis to inform settlement negotiations.
Annual pension & estate review
€495.00For existing clients who want ongoing peace of mind that their pension and estate planning remains current. An annual check-up ensures legislation changes, life events, and investment performance haven't created new gaps.
What's included:
- Review of all pension arrangements and beneficiaries
- Update on relevant legislation changes
- Assessment of any life changes impacting your plan
- Recommendations for adjustments if needed
- Updated documentation where required
Best suited for:
Clients who have completed one of our comprehensive planning services and want to maintain their plan with regular reviews. Particularly valuable as you approach retirement age.
