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Our goal is to simplify pensions and employer life insurance and cut through complexity. Whatever the size of your business we have a solution available. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643800569326-OKXD1IQM8YRTPXNCRKSF/unsplash-image-gMsnXqILjp4.jpg Business - Retirement planning for company owners, directors and executives An important aspect of planning for the future can be to identify funds in your business that may be surplus to what you currently need to finance your business today and to move these funds out of the business. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643800828412-ZDANIUHYFB4G0LRHVKYV/unsplash-image-YI_9SivVt_s.jpg Business - Have you considered a Master Trust ? Approximately 1.3 million people in Ireland have no private pension provision. And the pension landscape in Ireland is set to become even more challenging for employers, who need to critically think about the role of Trustees when setting up or continuing to run a Defined Pension Scheme. In addition, the certain introduction of auto enrolment. There is a big opportunity for you and your business to enhance your pension offering. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1674731384749-LUOR07Y8W1PCU34KXIR2/unsplash-image-DB_q6rPFnBM.jpg Business - Have you considered a PRSA The Finance Act 2022 introduced a number of pension related changes, particularly in relation to PRSAs; Improved funding limits* for employees and company directors, and all employer contributions receive tax relief in the year they are paid Where an employee dies in service, the full PRSA fund is paid to their estate Employer contributions to PRSAs are no longer considered to be a benefit in kind BIK PRSA holders can drawdown their retirement benefits in stages, up to age 75, using multiple PRSAs https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1674732402746-9B28WXLWAKWFTQM71WAK/unsplash-image-vGu08RYjO-s.jpg Business - Life insurance for business owners and employees There are certain times in people’s lives when they may need to put financial plans in place to protect their income or assets during their working lives or for retirement. Employers can set-up cost effective cover for all employees, to proprotect beneficiaries against the financial impact of death, disability or accident when they need it most. We have access to the strongest providers and their policies are designed to help businesses of all shapes and sizes. We have access to the most comprehensive range of cover includes financial support as well as a wide range of unique benefits and services designed to support your staff and their families e.g. life insurance, salary protection and specified serious illness cover. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1674732850103-KBSZHHNADQIIH0LA67NQ/unsplash-image-n31x0hhnzOs.jpg Business - Empower your employees At Nelson Life we have access to financial solutions for your employees from the strongest providers. Market leading technology, enhancing visibility and member engagement. Solutions for all business sizes, offering your business the best fit plan, lower charges, more investment choice for your employees. You will also continue to be free to decide on eligibility and the benefit structure for members. Personalised on-site active engagement, promoting take-up and awareness. Professionally qualified and depth of experience. High quality administrative capability. https://www.nelsonlife.ie/investments-and-savings daily 0.75 2026-01-02 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733597264584-TYJ0PNV3FA1JSQ08ZVXQ/unsplash-image-NrN5Rvl89Lo.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733597552650-HNZLBO1MH20XBIYPFFTU/unsplash-image-kQYKYfOQkM0.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1725039485129-ODN17UI6YZMPK4UML2CA/unsplash-image-H30w37gpkro.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733597682614-PDSERX39U6FQP2LHJWQ5/unsplash-image-cPDqeGqW8B0.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733597839000-BOYFBRYGOAG5UZOND92T/unsplash-image-yhk_zsfgw0g.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733598245304-R2FWX8ER6B9YIJYHZ08C/unsplash-image-Nv-vx3kUR2A.jpg Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733596270484-TZQ9WMQ1JCZTJN8V46UA/unsplash-image-vrSKrUEZsDY.jpg https://www.nelsonlife.ie/insurance daily 0.75 2026-01-02 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733401292004-VNIQFZEBWZW3FQIB9512/unsplash-image-Xruf17OrkwM.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733401884744-E369AHEH97RMG92BFX3F/unsplash-image-_H1ZmUzwp9w.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733401971719-RMA9EZUCNGEQUD8GK4CW/unsplash-image-wgcUx0kR1ps.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402205121-5IIG6F6NVB1MJ7FUHPPI/unsplash-image-rvdlDB1D68c.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402272561-ALYOBJITSF6QZTX34PFW/image-asset.jpeg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402353067-GO0ENMPBL71ZSOI6YE89/unsplash-image-tE7_jvK-_YU.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402433268-6A0089JVX29TXISOQFMH/image-asset.jpeg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402534178-SAK1R2TKMGYS6ZLXQU35/unsplash-image-Wr3HGvx_RSM.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733402623837-7L71O91VHMKDDC1CYP0T/unsplash-image-vPDYAEfxrhk.jpg Insurance https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733400111101-JEB0V8VEUMFW4OXOMU4E/unsplash-image-7edWO30e32k.jpg https://www.nelsonlife.ie/retirement daily 0.75 2026-01-02 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733344811688-FJI10462CK89TORLVROG/unsplash-image-tNCH0sKSZbA.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733345092896-ZD7A599E8TISFSE5SQ9A/unsplash-image-5HsCIUSeq7Q.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733345245908-RVIT1IUJD4I578JZFUWE/unsplash-image-4nu1d0HYwAg.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733345722904-UW88MOTV9TPVI5BPJYR9/unsplash-image-TOKVE7PNwAc.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733345791572-Z81ODET07HGYUUNSQH8G/unsplash-image-fYyYz38bUkQ.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733345881077-2UMUAMU2EO69YZUK0MLA/unsplash-image-TXxiFuQLBKQ.jpg Retirement https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1733399646368-IOSQ7ZL09AF2WPPVWJPE/image-asset.jpeg https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643755194708-WJ1CBNHTKZEQWGXFB8DZ/unsplash-image-TOKVE7PNwAc.jpg Retirement - Secure your future At Nelson Life we understand you will want a retirement that rewards you for all that hard work. Pension planning is one of the smartest investment decisions you will make. Small actions today, will make a big impact. We will help you plan, prepare and enjoy it; Introduction to pensions Reviewing your plan Your retirement options https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643899362577-NL3VMHG1KEMBF8P64VOM/unsplash-image-oTweoxMKdkA.jpg Retirement - Which pension plan is best for me? Our pension solutions and planning for the retirement you want is not complicated. We are here to help you, provide you with the facts about range of solutions from the strongest providers available at Nelson Life. Once you understand the key questions such as; How to save and target the lifestyle you want later in life. How to invest money and understand risk. Ways to save smarter and ways to make your money work harder. Understand the tax rules and how you can be more tax efficient. Some frequently asked questions. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643899227738-GY6SGO0FXWI7MXFO0C68/unsplash-image-rvdlDB1D68c.jpg Retirement - Take a closer look at your options. Turning your savings into income. Retirement come comes in many forms. At Nelson Life we can help you better understand what you will need, whether you will have enough and what options you will have at retirement. See what your numbers look like with our visual and interactive tools. Retirement advice key differences between Annuity (guaranteed income for life) of investment ARF. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/ceb402a4-5e72-49c4-b78d-bab2e34f00ae/unsplash-image-xz8-g_nmHs0.jpg Retirement - Workplace pension planning and advice Whether you are only thinking about it, or getting closer or have already retired, good planning will help you enjoy it. At Nelson Life we have access to the strongest pension providers. We will ensure you have access to and can take advantage of the flexibility, lower costs and visibility of workplace pension structures. Having a strategy that is personal to you, your goals and your priorities will help you to be prepared, as you work towards you retirement goals. https://www.nelsonlife.ie/esg-investment daily 0.75 2023-10-23 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643752008141-ABPDGT1055SZMBL8BYZQ/unsplash-image-tvc5imO5pXk.jpg ESG Investment - Reshape the future At Nelson Life we have access to investment solutions that look to invest in companies that aim to make a positive contribution to the environment and society. With strong governance standards these funds will limit their investments into damaging business practices. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643799707901-6SBG7LBCAGOKLHIL0K79/unsplash-image-Fojm3JWKR-Y.jpg ESG Investment - Invest in a way that aligns with your values Start your journey to net-zero. You can now prioritise your investment, savings and pension investments into companies that place a high a value on Environmental, Social and Governance ESG standards. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643922908866-WEWL6NBKZPGN228B03OO/unsplash-image-e3OUQGT9bWU.jpg ESG Investment - ESG Sustainable investment solutions from the strongest financial companies Whether you intend to save regularly or invest a lump sum, we have lots a sensible investment options available. The consideration of sustainability risks can impact on the returns of financial products. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643752825564-SID61LUVDRCCITHIBRSE/unsplash-image-UwBrS-qRMHo.jpg ESG Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643753635437-461LU2QBPCNHFCL6YXVY/unsplash-image-bcJUbYd5gTo.jpg ESG Investment https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643753517123-80QW8PL03IYJ1K5FPDTF/unsplash-image-OlSGcrLSYkw.jpg ESG Investment https://www.nelsonlife.ie/financial-planning daily 0.75 2022-02-11 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643900163666-46NXL9BUPAM70A2XYC7W/unsplash-image-VpcgTEKerEQ.jpg Financial planning - Financial planning Are you looking for someone to guide you and help plan your journey? We will take time to listen and understand what is important to you. We can help you reduce your spending, pay-off debt faster, save and invest for your future. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618315730046-KKW31KMT6FOXHLBITYVU/unsplash-image-mBfm2sK_gCg.jpg Financial planning - Dream it It all begins with your goals. Our specialist advice will offer a customised service by providing advice, guidance and support to ensure you have the best financial solutions based upon your circumstances. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618315841690-FFF5UIU7X8EX0BOWP4EQ/unsplash-image-Y_LgXwQEx2c.jpg Financial planning - Turn your goals into reality Lets have an open discussion, this will cover; Your goals. What are your immediate and longer-term financial goals? Your current financial picture. How does money come in and go out? What do you own and what do you owe? How will you replace your income when you stop working or reduce your hours? It is OK if you don’t have a clear picture of what you want to discuss. We will use the meeting as an opportunity to take an objective look at what you have and increase your knowledge. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643655760896-CYCLLBC7JKNJBVXCHZ3D/unsplash-image-9cgMKmZyhH0.jpg Financial planning - Life’s better with a plan We will work with you to create your plan, review it and ensure your plan is built around you, your family, your business an your key priorities. https://www.nelsonlife.ie/terms-of-business daily 0.75 2026-03-27 https://www.nelsonlife.ie/privacy-notice daily 0.75 2026-03-27 https://www.nelsonlife.ie/our-remuneration daily 0.75 2026-03-27 https://www.nelsonlife.ie/inheritance-tax-and-estate-planning daily 0.75 2026-01-02 https://www.nelsonlife.ie/life-insurance-for-business-owners daily 0.75 2026-01-02 https://www.nelsonlife.ie/specialist-pension-planning-for-business daily 0.75 2026-01-02 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618417196551-XELYC6UBW4Q0QY9C2GV0/unsplash-image-QBpZGqEMsKg.jpg Specialist pension planning for business - Corporate pension solutions. Running a pension scheme can be demanding for any business or organisation. Nelson Life are uniquely positioned to help organisations of all sizes meet their pension objectives. Occupational pensions are now an integral part of an employees longer term financial health. Our solutions are provided by the largest, strongest and most innovative global providers. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618416291192-RU93EDG8ZK92YMGBVO7A/unsplash-image-Mw9KxYkqsnk.jpg Specialist pension planning for business - Executive Pensions. Pensions are an essential part of your financial plans, both the tax relief and the long-term nature of a pension makes it one of the best retirement planning and wealth extraction tools available for business owners today. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618416291192-RU93EDG8ZK92YMGBVO7A/unsplash-image-Mw9KxYkqsnk.jpg Specialist pension planning for business - Executive Pensions for key employees. Pensions are an essential part of your financial plans, both the tax relief and the long-term nature of a pension makes it one of the best retirement planning and wealth extraction tools available for business owners today. https://www.nelsonlife.ie/sfdr daily 0.75 2026-03-23 https://www.nelsonlife.ie/introducing-a-responsible-approach-to-your-pension-and-investments daily 0.75 2022-02-10 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644342012778-2O76D9HUUFLW7OG9WXEA/unsplash-image-9nGcUIIxyBQ.jpg Introducing a responsible approach to your pension and investments - A responsible approach to investments Climate risk is one of the biggest risks we all face, it poses risks and many opportunities to your funds. Many of the largest brands globally are now announcing commitments for their operations to become net zero. These rotational shifts will present investment opportunities. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644342223567-CLQR79DJAK1G8C2WZX0W/unsplash-image-0w-uTa0Xz7w.jpg Introducing a responsible approach to your pension and investments - What is ESG integration? Environmental, Social and Governance ESG integration is an approach which aims to identify and quantify the effect of ESG risks on companies and their subsequent effect on the performance of the assets that you hold. You can take advantage of these opportunities by investing a portion of your portfolio in one of the range of ESG focussed funds we have access to. The funds we use are run are available through global and financially secure fund managers. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644358768883-7ICBLGW4078SJLMJLFMY/unsplash-image-y8k-dMPNWNI.jpg Introducing a responsible approach to your pension and investments - What are ESG risks? With any investment, there are associated risks. Your capital is at risk. Risk is can come from many sources such as economic, political, interest rates, inflation, market and ESG risk. ESG risks include those related to climate change, environmental management practices, human rights issues and anti bribery/corruption risk. https://www.nelsonlife.ie/introducing-a-responsible-approach-to-your-pension-and-investments-1 daily 0.75 2022-02-08 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644342660744-PYUNASF2R5QCV9JNAXET/unsplash-image-fI-TKWjKYls.jpg Pension advice - I am Self Employed - I am self employed For many self-people retirement seems a long way away, so they tend to put it to the back of there minds. As a self employed person you lead a very busy life and may not have time to start planning your retirement. If you don’t take on the responsibility of planning your future, then the outlook will be less certain. To enjoy financial security when you retire its is vital to put money aside when you are working. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644342757373-5MSPF51PBD4CXPS6P1AP/unsplash-image-LEgwEaBVGMo.jpg Pension advice - I am Self Employed - You may need an income for up to 30 years, after you stop working You may be retired for almost a third of your life span. The State Pension (contributory) is currently EUR 12,911.60 per year (EUR 248.30 per week). Your fall in income could be almost 70%*, so its important to start planning to make up some of the difference. *The CSO average earnings in Q1 2020 was EUR 40,039 per year. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644342854140-14GUJP8TIQSY0Z2D2A6J/unsplash-image-I3HPUolh5hA.jpg Pension advice - I am Self Employed - How do I work out how much I should be saving? The first thing to do is work out what you can afford to save. Every ones situation is different and its depends upon your financial circumstances. Pension plan funding is not cheap. We only require a few key pieces of information to be able to provide you with numbers that a personal to you and the life you want. Even a small investment can make a big difference, and you will be glad you started. https://www.nelsonlife.ie/pension-advice-i-am-employed daily 0.75 2022-02-08 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644344683083-221V7XRPP24PDPV7V9VO/unsplash-image-kRWY72TKB0Y.jpg Pension advice - I am Employed - Pension planning For many people retirement seems a long way away, so they tend to put it to the back of there minds. If you don’t take on the responsibility of planning your future, then the outlook will be less certain. To enjoy financial security when you retire its is vital to put money aside when you are working. The tax incentives are significant. This provides a big incentive to see in to a pension plan. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644344997410-YG9WSV3YTGIUXAHFGZWG/unsplash-image-XhQahuFDq1E.jpg Pension advice - I am Employed - You may need an income for 30 years, after you stop working You may be retired for almost a third of your life span. The State Pension (contributory) is currently EUR 12,911.60 per year (EUR 248.30 per week). Your fall in income could be almost 70%*, so its important to start planning to make up some of the difference. *The CSO average earnings in Q1 2020 was EUR 40,039 per year. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644345170653-B3UNJPZ7DALM245EZXFG/unsplash-image-744oGeqpxPQ.jpg Pension advice - I am Employed - How do I work out how much I should be saving? The first thing to do is work out what you can afford to save. Every ones situation is different and its depends upon your financial circumstances. Pension plan funding is not cheap. We only require a few key pieces of information to be able to provide you with numbers that a personal to you and the life you want. Even a small investment can make a big difference, and you will be glad you started. https://www.nelsonlife.ie/pension-advice-i-am-employed-1 daily 0.75 2021-12-11 https://www.nelsonlife.ie/pension-advice-i-dont-have-a-pension daily 0.75 2022-02-14 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644345382217-9E7G31JKXZQ8X297LHL9/unsplash-image-8YG31Xn4dSw.jpg Pension advice - I don't have a Pension - I don’t have a pension plan What is a pension plan? It is a longer-term savings plan that has important tax reliefs on your investments. Your investments have the potential to build up over time, so you can enjoy the life you want. The earlier you start, the longer you will have to save and the greater the potential for growth. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644583057741-L5N7U8R7VQ1012BHK6UD/unsplash-image-qE1Y8GQKhEk.jpg Pension advice - I don't have a Pension - Your second life People retiring today expect to be much more active. We are generally fitter and healthier than ever before. Today’s retirees can look forward to almost 30 years of life after work. You may be entitled to the State Pension, however, that may not be enough. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644583236795-ZXBQVZJM4J0GCY1Y6IMA/unsplash-image-U20dtBwxHEU.jpg Pension advice - I don't have a Pension - How do I work out how much I should be saving? The first thing to do is work out what you can afford to save. Every ones situation is different and its depends upon your financial circumstances. We only require a few key pieces of information to be able to provide you with numbers that a personal to you and the life you want. Even a small investment can make a big difference, and you will be glad you started. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644345502766-OUIUW8F7OQ9D0ILYEPWG/unsplash-image-V62UrdknDCA.jpg Pension advice - I don't have a Pension - You may need an income for 30 years or more, after you stop working You may be retired for almost a third of your life span. The State Pension (contributory) is currently EUR 12,911.60 per year (EUR 248.30 per week). Your fall in income could be almost 70%*, so its important to start planning to make up some of the difference. *The CSO average earnings in Q1 2020 was EUR 40,039 per year. https://www.nelsonlife.ie/pension-advice-i-dont-have-a-pension-1 daily 0.75 2022-02-11 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644345768297-JO72QY3Q0F7TIW0S8C6X/unsplash-image-W7aXY5F2pBo.jpg Pension advice - I have a Pension - I need pension advice A key part of pension planning is to compare the expected income your current plan will generate versus the level of income you forecast you will require when you stop working. Assessing the progress gives you the options to assess the amount you are investing and investment strategy. The pension plan will be a function of the amount you invest, investment performance and charges. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644346002989-4W73MZK002J12DSLO4SN/unsplash-image-uqeaZXZkquw.jpg Pension advice - I have a Pension - Are you on track? Each year you should receive a projection of your expected income in retirement from your provider. First thing to do is to compare this figure against the income amount you forecast you will need. Also, understand when this pension plan will mature. For example, your projections may be to age 65, when in fact your target retirement age is 60. How much should I be saving? Everyone is different, lifestyles and circumstances vary. Key thing is to start at a level which is affordable and sustainable. Start by looking closer at your current income and outgoings . For example, some costs such as mortgage costs and children’s education - you would expect to reduce or be gone by the time you access your plan(s). However, there will probably be other expenditures such as travel , longer term medical expenses and gifting that may wish to add in. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644359695467-CU0JO67TQ83SZNR48LQ3/unsplash-image-FlPc9_VocJ4.jpg Pension advice - I have a Pension - Your next step At Nelson Life we are available to discuss the differences between each arrangement and help direct you to decide upon the best option. We can assist with setting up process and assist you in selecting an suitable investment fund. https://www.nelsonlife.ie/pension-advice-my-retirement daily 0.75 2022-02-11 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644346363005-RCIZT8HWNVBRHB38L4NX/unsplash-image-h0AnGGgseio.jpg Pension advice - My Retirement - My retirement is getting closer In the 10 to 5 years leading up to accessing your pension benefits it is wise to have a yearly review to ensure your plan remains on track to meet your income needs and tax free cash planning needs. Pensions can seem complicated and savers usually have many questions. Keep a close eye on your pension plan https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644346571140-ZFDR6DPW3LIINI7R7BIY/unsplash-image-ErO0E8wZaTA.jpg Pension advice - My Retirement - How will I access my pension fund? You will need to decide on how you intend to access your pension savings. A number of options are available to you and it is very important to understand what these are. For example, does your existing plan have protected benefits, such a guaranteed income for your lifetime? We can explain all the pro’s and con’s that apply to each option. Everyone is different and we can help you to decide on the best option for you. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644346931565-2CF8RGVE9UNUYNH3OFQW/unsplash-image-cBY2CtqQ6YI.jpg Pension advice - My Retirement - What are my options? The option that is right or you depends upon many factors, not limited to for example; the size of your fund the level of income you will need the value of your other assets and other sources of income whether security or investment growth is more important to you. Your risk preference, your capacity to loss and your investment goals. estate planning and passing on your assets tax efficiently to the next generation your current health Difference between an; Annuity (guaranteed income for your lifetime) and Approved Retirement Fund. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644347294544-RZE2LIV9UWETEHW8QRDD/unsplash-image-mcAUHlGirVs.jpg Pension advice - My Retirement - Invested into the right funds for you? You may be invested into a Default Investment fund or a fund of your own choice. Either way, you will need to review your fund(s). Suitability of certain funds changes over time, and its important you understand the the risk category of your fund. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644347248081-ANKJWH7JUWCZORGJGC77/unsplash-image-qZ1NeXY4tKA.jpg Pension advice - My Retirement - Maximising your pension investments Putting more money into your pension before retirement can be very tax efficient. If you are over 60 years, you can invest up to 40% of salary/net relevant earnings. Generous revenue maximum limits apply. As you get closer to retirement age the limits increase. So there is scope, provided additional investments are affordable. For example, if you are 60 and earning EUR 60,000 per annum you can invest up to EUR 24,000 gross (40% of your salary) into your pension plan. After tax relief, it will only cost EUR 14,400 Tax relief is not automatically granted. You must apply to and satisfy Revenue requirements. https://www.nelsonlife.ie/pension-advice-my-retirement-1 daily 0.75 2022-02-08 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644343413119-17TC8A28C3IKNC1A0LYT/unsplash-image-IjkIOe-2fF4.jpg Pension advice - Women and Pensions, what you should know - Women and pensions, what you should know Having a plan in place is important to ensure that your standard of living does not fall when you retire. Its is a statistical fact that women live longer than men, however, they are sadly less likely to have adequate income in retirement. Women often face challenges during their working lives . Career paths may have to alter or even change course to allow for temporary or permanent leave to take care of children, take care of loved ones or have a career break. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644343558873-MYPYHP45VNCAR5TQSZA1/unsplash-image-bOVZ_f3fbQM.jpg Pension advice - Women and Pensions, what you should know - If you take time away from work, this can impact your pension savings Will your employer still contribute to your pension plan if you are on maternity leave? If you take extended leave or reduce your working hours have you considered the longer term impact on reducing your pension investment? By reducing working hours will you have enough contributions to qualify for the State Pension (Contributory) when you retire? Other pension plans from previous employers, do you know how much they are worth and where they are invested? https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644344489846-D107D6EO1G596WYAMM0C/unsplash-image-LOyaOZu6g4Q.jpg Pension advice - Women and Pensions, what you should know - How do I maximise my funding and catch up? Putting more money into your pension before retirement can be very tax efficient. For example, if you are over 60 years, you can invest up to 40% of salary/net relevant earnings. Generous revenue maximum limits apply. As you get closer to retirement age the limits increase, so there is scope. Provided additional investments are affordable. Revenue limits terms and conditions apply. https://www.nelsonlife.ie/pension-advice-difference-between-annuity-and-arf daily 0.75 2022-02-08 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644347501347-I6AD3LXZINQKR8AN0BDP/unsplash-image-K0c8ko3e6AA.jpg Pension advice - Difference between annuity and ARF - Annuity and/or ARF We will help you compare the features of an ARF and an Annuity, so you can choose which option may be more suitable for your retirement plan based on your own priorities. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644347732417-VPO1X91NIXIKVDTGXOSK/unsplash-image-3VrEzmODPrQ.jpg Pension advice - Difference between annuity and ARF - An annuity (guaranteed income for life) Converts the money in your retirement fund into a guaranteed income payable until you die (for the remainder of your lifetime). The amount of income you are paid is fixed on the date having a plan in place is important to ensure that your standard of living does not fall when you retire. However, on death, there will be little or no return for your dependents unless your purchased a spouses/dependents pension and/or had a an extended guaranteed period, up to 10 years. Enhanced annuities are available if you have a specific medical conditions, this may improve the rate of you annuity. Your pension plan should provide an ‘open market option’, allowing you source an annuity from any provider in Ireland. Annuities provide certainty. You are paid a known pension for the rest of your lifetime. The following options are available at an additional cost. (1) An enhanced annuity may be an option depending on your lifestyle and medical history (and financial dependent in the event of joint annuity) (2) Guaranteed period of up to 10 years even if death occurs during that period (3) Spouse’s, civil partner’s or dependent’s pension payable for the remainder of joint annuitant’s lifetime even in the in the event of your death (4) Inflation protection to ensure that your monthly or annual payment keeps pace with the costs of living. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644363614739-FKQEMI97VP23TFQGBNXL/unsplash-image-e8e4YY65sOk.jpg Pension advice - Difference between annuity and ARF - Approved Retirement Fund ARF Allows you to preserve, manage and control your retirement fund. ARFs provide flexibility and do not provide longer term certainty. You take investment control of your fund. There is a risk your fund could run-out during your lifetime. You can invest your money into suitable assets and decide how much taxable income you want to withdraw each year, subject to to minimum withdrawal once you are aged over 61. Unlikely annuity, it does not provide any guaranteed income, however, any balance of your ARF on death is payable to your dependents. You can choose and determine the level of income and withdrawals that you wish to take from your fund. LIMITS and RESTRICTIONS apply. For example, from age 61 you must take a minimum withdrawal of 4% per annum from your ARF. Your ARF can invest in a wide range of assets, with the potential for growth. On death your fund value at that date passes to your estate. Benefits may be taxable in the hands of your beneficiaries. IMPORTANT - you can use your AMRF/ARF to buy an annuity at any stage in the future. All things being equal as you get older annuity rates get better, however, your available fund may be lower - due to withdrawals and/or investment performance. https://www.nelsonlife.ie/our-service-fee-schedule daily 0.75 2022-02-10 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643926317637-U2IYBZBZ9Z6NZXYW7PN2/unsplash-image-nNMBa7Y1Ymk.jpg How we do it - How does it work? We will work with you to create your financial life plan, which will be built around you, your family, your work and your priorities. Discovery - our first conversation is about getting to know you, your key goals, objectives and estimated timelines. We will discuss and answer any question(s) in relation to our; Terms of Business Data Privacy Statement Our Remuneration Sustainability Finance Disclosure Regulations. There is no obligation to purchase and all information you provide is private and confidential. Identify your needs - we will then review the information and detail you have provided. Agree your priorities - we will discuss your options, consider recommendations and solutions. Implement advice - we will make specific product and/or service recommendations, agree terms, set-up costs and our remuneration. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1618407609279-UOF5QYPH3KF9G5MHXE7C/unsplash-image-nWvWBV0sv04.jpg How we do it - How much does it cost? Our fees are set out in our; Terms of Business and Our Remuneration. Before we commence any chargeable work we will estimate the amount payable and discuss your options. We look forward to hearing from you. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1643927940077-KYQ4JJPKC5QOVWOQEK2A/unsplash-image-8eSrC43qdro.jpg How we do it - What do you get? You get a personalised report detailing your current financial status, and the steps needed to to help protect you and your family and planning ahead for the future. About Nelson Life advisors Advisors are highly qualified and have extensive professional experience. Access to over 16 product providers. Advisors complete a thorough and comprehensive training programme. Access to tele-video-advisors who you can talk to you online. All advisors receive continuous professional development. Nelson Life is regulated by the Central Bank of Ireland for life and pensions. https://www.nelsonlife.ie/investment-qa daily 0.75 2022-02-10 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644362059377-ARDZAOBEZSHONS2IV3E1/unsplash-image-Wb63zqJ5gnE.jpg Investment Q&A - What are the best investment options for me? Currently, deposit rates aren’t as attractive as they once were, however there are options available to you that can get your money working hard for you. With any investment product, you need to thoroughly understand and consider the level of risk involved. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644360732746-7J6GKX1IWGJWNUC3DW1V/unsplash-image-XMFZqrGyV-Q.jpg Investment Q&A - Invest for your future Savings can be for a specific purpose, like paying for your children’s education or paying off your mortgage early. You may want to build up a “rainy day fund” that can help you deal with unexpected costs or finance some home improvements. Or you may already have a lump sum that you want to put aside for the future. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644360940605-NC0TQJVRT9JEFKF04WN1/unsplash-image-uJhgEXPqSPk.jpg Investment Q&A - Investment funds Investment funds vary by what the particular fund invests in – whether it’s shares in top multinationals, large commercial properties, fixed interest securities issued by Governments and large companies or deposits. Some funds may invest in just one type of asset, for example, an Equity Fund which only invests in shares in top multinationals. Other funds, referred to as Managed or Multi-Asset Funds, invest in a mix of shares, property and fixed interest securities. To guide you, funds are typically graded on a scale of 1-7 with 1 being the lowest risk and 7 being the highest risk. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644361627463-401TXCNQYO3UYZWV27HY/unsplash-image-zQsCISvBY2E.jpg Investment Q&A https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1644361386726-TQRM1G3827IXJ4W08Z91/unsplash-image-oQEdDIMEIlc.jpg Investment Q&A https://www.nelsonlife.ie/directors-pension-funding daily 0.75 2026-01-02 https://www.nelsonlife.ie/keyperson-insurance daily 0.75 2022-10-21 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666364605997-U0FR5EBXTH7HOF12APHA/unsplash-image-Wmkn5cNOYHE.jpg Keyperson Insurance - Keyperson Insurance A business may be financially and operationally impacted by the loss of a key person in the event that they die prematurely or become seriously ill. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666364834115-RAF8C9SMMBJ97CWO2Q44/unsplash-image-C8jNJslQM3A.jpg Keyperson Insurance - The future profit of your business may be at risk The business will have to survive without that person’s unique skills, business contacts, management experience or intimate knowledge of your business; this may result in a reduction in service standards and a loss of confidence by both customers and suppliers Bank loans could be called in - particularly if the keyperson had given a personal guarantee. There could be a withdrawal or reduction of credit facilities by suppliers who are concerned about the future of your company due to the death or serious illness of the keyperson Recruitment costs https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666364886776-6DOIAPQMQCBAQEPSQLT6/unsplash-image-6jopFhZkGGk.jpg Keyperson Insurance - What is keyperson insurance? A business puts life insurance in place on its key employees with a view to compensating the business for an anticipated financial loss in the event of death of the individual covered. The key employee can also be covered for serious illness. Important benefit payable to the company here! In the event of death or serious illness of a key individual, the lump sum payment from the policy can help compensate the business for any loss of profit, or it can also be used to repay business loans, and/or to recruit a suitable replacement. https://www.nelsonlife.ie/specified-serious-illness-cover daily 0.75 2022-10-21 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666365048622-TR9T4DJX1OT33X0ESA6F/unsplash-image-Xruf17OrkwM.jpg Specified serious illness cover - Specified serious illness cover Get cover when you need it most. Should be diagnosed with one of the serious illness conditions covered by your policy, you can receive a lump sum that can cover essential bills and help with other financial needs at a difficult time. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666365523115-JNRKOHW42UQNNF8GCQU5/unsplash-image-qUACwpVjwoM.jpg Specified serious illness cover - A quick overview Specified serious illness pays out if you a diagnosed as suffering from one of the illnesses cover under your contract during the term of your policy. You may also be covered for partial payment specified serious illness conditions. The provider will only pay a claim based on the Specified Serious Illness Cover definitions which state the exact conditions which must be met for a claim to be paid. Specified Serious Illness Cover is designed solely to provide protection benefits and there is no surrender value payable at any stage under the policy. Survival period required after diagnosis is typically 14 days. The Policy Conditions booklet will contains full details of the benefits provided and the terms and conditions that apply. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666364886776-6DOIAPQMQCBAQEPSQLT6/unsplash-image-6jopFhZkGGk.jpg Specified serious illness cover - Did you know? The chances of suffering a specified serious illness may be higher than you think. In Ireland 1 in 3 men will get cancer by age 75. • In Ireland 1 in 4 women will get cancer by age 75. Five-year average net survival of Irish cancer patients for the diagnosis period 2014-2018 is 65%. Approximately 7,500 people suffer a stroke in Ireland annually. Sources: National Cancer Registry of Ireland (2021) Cancer in Ireland 1994-2019: Annual Report of the National Cancer Registry; Irish Heart Foundation 2022. https://www.nelsonlife.ie/income-protection-insurance daily 0.75 2022-10-21 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666365048622-TR9T4DJX1OT33X0ESA6F/unsplash-image-Xruf17OrkwM.jpg Income protection insurance - Income protection Get cover when you need it most. Income protection gives you money each month if you are ill or injured ad you are unable to do your job, until you work again. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666368408797-IP730BO7SA16696IX3A3/unsplash-image-oUhSla4L_98.jpg https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666371044724-9GOVU2DR5BO4G2Q4B017/unsplash-image-VE6m3nZALF4.jpg https://www.nelsonlife.ie/mortgage-protection-insurance daily 0.75 2022-10-21 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/4c9fbd99-82fb-477e-9660-e75afb31124b/unsplash-image-WvVyudMd1Es.jpg Mortgage protection insurance - Mortgage protection This plan pays a lump sum if you die during the term of your mortgage. It is used to pay off your mortgage. The cover decreases as the amount decreases on your mortgage. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666371763086-ZW10GMI425PRYCQK5XPQ/unsplash-image-rgJ1J8SDEAY.jpg https://www.nelsonlife.ie/contact-nelson-life daily 0.75 2023-02-13 https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1669383022436-QVYAYCCDFW88OBQPD8XI/unsplash-image-Kz8nHVg_tGI.jpg Book appointment - We provide expert financial advice Nelson Life financial advisors are here to help you build your financial plan, answer a specific pension question, investment advice or if you are new to all this to help you get started. 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It is used to pay off your mortgage. The cover decreases as the amount decreases on your mortgage. https://images.squarespace-cdn.com/content/v1/5fabb2ddd782cd51adc0414b/1666371763086-ZW10GMI425PRYCQK5XPQ/unsplash-image-rgJ1J8SDEAY.jpg https://www.nelsonlife.ie/store daily 0.75 2026-01-02 https://www.nelsonlife.ie/example-page daily 0.75 2026-03-23 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/a31f4540-4e00-42de-9c18-2ed98e98dfda/imgg-demo-pJOWolCw.png https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/09a1e091-9f13-4e9a-af4f-9c08fc02693f/imgg-demo-ZgrkOLck.png https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1755121082947-F4UJ5FWIFB64Q236NO46/imgg-demo-Aq8H491F.png https://www.nelsonlife.ie/example-page/p/advanced-service-dst95-472pm monthly 0.5 2026-02-14 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/fc8e282e-f277-4fad-ab65-3dd2b186d3fb/imgg-demo-wingBtIF.webp Example page - Advanced Service - imgg-demo-wingBtIF.webp https://www.nelsonlife.ie/example-page/p/intermediate-service-8pb84-nbzzf monthly 0.5 2026-02-14 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/60ce0be0-41c5-4cea-a0c3-03ee85dd0a41/imgg-demo-9d2jDe4u.webp Example page - Intermediate Service - imgg-demo-9d2jDe4u.webp https://www.nelsonlife.ie/example-page/p/basic-service-3tc8d-3wsdw monthly 0.5 2026-02-14 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1755708833801-9WKLKQTPT35W93NB0EG6/imgg-demo-uJn12BIr.webp Example page - Basic Service - imgg-demo-uJn12BIr.webp https://www.nelsonlife.ie/videos-1 daily 0.75 2026-01-02 https://www.nelsonlife.ie/videos-1/7-day-morning-flow-challenge monthly 0.5 2022-07-08 https://www.nelsonlife.ie/videos-1/mindful-meditation monthly 0.5 2022-07-08 https://www.nelsonlife.ie/videos-1/yoga-for-beginners monthly 0.5 2022-07-08 https://www.nelsonlife.ie/videos-1/v/how-savings-and-investments-work monthly 0.5 2022-04-29