The Importance of Pensions: Secure Your Financial Future

Having a pension provides financial security and stability during retirement. It allows you to have a reliable source of income, maintaining your standard of living and covering your expenses after you stop working. Pensions also offer tax advantages as incentives to encourage early saving for retirement. Additionally, pensions can serve as valuable employee benefits, helping attract and retain talent.

Tax Benefits of Pensions

Pensions are the most tax-efficient means of saving. Here’s why:

  • You receive tax relief on your contributions at your marginal rate of income tax.
  • Your investment in a pension grows tax-free until retirement age.
  • Upon retirement, you can take a tax-free lump sum (currently 25% of the total pension value).
  • Employers can make generous additional contributions to your pension (if set up as a PRSA or Occupational Pension Scheme) without impacting your age-related personal contributions.

Different Types of Pensions

There are various types of pensions:

  • Occupational pensions: Run by your employer.
  • Personal Pension Plan (PPP) or Personal Retirement Savings Account (PRSA): Can be set up by you.
  • Public service pension: Available to those working in the public sector.

These pensions, along with the State Pension, are intended to provide you with income during retirement.

Why Investing in a Pension is a Smart Financial Decision

Many people underestimate the amount of money they’ll need to fund their living expenses in retirement. Investing in a pension is a wise financial decision as it allows you to save for retirement while potentially receiving tax benefits. Though starting a pension may seem challenging, taking the first step is crucial. You’ll witness your money grow over time through compound investment growth, providing you with peace of mind and financial security during your retirement years.

Ezfees Financial – Mortgage & Life Broker Options

At Ezfees Financial, we compare pension products from a range of life insurance pension providers to ensure you get the most suitable pension plan for your needs at the best possible deal. Our dedicated financial advisors will guide you through the available options and recommend the best choice for you and your family’s needs.

Contact our dedicated financial advisors at Ezfees Financial for expert guidance, advice, and peace of mind. We understand the importance of securing your financial future through pensions and can help you make informed decisions. Whether you need assistance with understanding tax benefits, exploring different pension types, or selecting the right pension plan, our team is here to support you.

To get started on securing your financial future, give us a call at 0818 910800 or email your query to Let us provide you with the guidance and expertise you need to make the most of your pension and ensure a secure and comfortable retirement.


Pensions play a vital role in securing your financial future and providing stability during retirement. With tax advantages and various pension types available, it’s crucial to make informed decisions about your pension plan. At Ezfees Financial, our dedicated financial advisors can help you navigate the pension landscape, choose the right pension plan, and maximize the benefits available to you. Contact us today to start planning for a financially secure future.

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

What’s in this for you? Discuss your business finances in confidence with trustworthy advisors to:
1) Create a money management plan to suit your business
2) Align your business and personal objectives
3) Get clarity and validation on your strategies from dedicated Financial Advisors committed to safeguarding your business finances
4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your business and your future

Investment Consultation

With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

What’s in this for you? Why you should consider savings and investment plans?
1) The potential for higher returns
2) Flexibility in the amount you save
3) Short, medium and long term options to suit your goals, amounts and terms to save
4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Mortgage Consultation

Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Financial Planning Consultation

Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future