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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.


When you have a pension, you’re not just saving for the future; you’re building a foundation for a
worry-free retirement. This steady income stream helps you maintain your lifestyle and meet your
financial obligations, offering peace of mind as you enter this new phase of life.

Tax Benefits Unveiled:

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

Tax Relief on Contributions: You receive tax relief on your contributions at your marginal
rate of income tax, lightening the burden on your present finances.

Tax-Free Growth: The beauty of pension investments lies in their ability to grow tax-free
until retirement age.

Tax-Free Lump Sum: Upon retirement, you can take a tax-free lump sum, currently set at
25% of the total pension value, providing a financial cushion to kickstart your retirement.

Generous Employer Contributions: Employers can make additional contributions to your
pension without impacting your age-related personal contributions, adding an extra layer of
financial support.

Understanding the Pensions Landscape:

Pensions come in various forms, each tailored to different needs:

Occupational Pensions: Run by your employer.

Personal Pension Plan (PPP) or Personal Retirement Savings Account (PRSA): Can be set up
by you, providing a personalized approach to retirement savings.

Public Service Pension: Available to those working in the public sector.

These, along with the State Pension, collectively aim to provide a secure income during retirement.

Why Start Your Pension Journey?

At Ezfees Financial, we understand the significance of securing your financial future through
pensions. Our dedicated financial advisors compare pension products from a range of providers to
ensure you get the most suitable plan at the best deal. We guide you through available options,
helping you make informed decisions for you and your family’s needs.

Whether you need assistance understanding tax benefits, exploring different pension types, or
selecting the right plan, our team is here to support you.

Conclusion – Planning for a Secure Future

Pensions are a cornerstone in securing your financial future. With tax advantages and various
pension types available, making informed decisions about your pension plan is crucial. At Ezfees
Financial, our dedicated financial advisors are here to help. Contact us today to start planning for a
financially secure future.


Your peace of mind is our priority!

Ezfees Financial Ltd T/A ezfees financial is regulated by the Central Bank of Ireland. Reg no 489026

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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

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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

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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 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
8) PAYE
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

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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

Book your financial planning consultation today