Planning for your financial future through pensions can be highly complex, given the wide variety of schemes and options available. With so many different pension plans on the market, it can be challenging to determine the most suitable choice that fits with your individual retirement goals and allows you to maximise tax relief benefits.
Our qualified financial advisors have extensive expertise in the area of pensions and retirement planning. They will take the time to understand your specific circumstances and needs in depth. Drawing on their comprehensive knowledge, they will provide tailored advice to you. Take advantage of our decades of pension planning experience and allow us to ensure you are making the right pension choices to achieve the retirement you desire, while availing of all applicable tax reliefs.
A financial advisor offers expertise that can be invaluable when making important money decisions. Advisors have a comprehensive understanding of financial planning, including investments, savings, taxes, retirement, and more. They help create a tailored financial roadmap based on your unique goals, risk tolerance, and situation. Advisors save you time researching complex products and strategies. They provide impartial guidance to help you make informed choices in your best interest, avoiding costly mistakes. Good advisors take a big picture view of your finances to optimise and coordinate your plans. Their ongoing support helps keep your financial plans on track through life changes. For their knowledge, convenience and peace of mind, a financial advisor is an advisable investment for your future.
These individually owned pension plans are well-suited for self-employed persons and employees. You can make ongoing contributions or one-time lump sum payments. All contributions qualify for valuable tax relief claimed on your tax return annually. While employers can contribute to PRSAs, only personal contributions can be made to personal pensions.
With group plans, employers coordinate pensions for their workforce, with any voluntary employee contributions through payroll deductions. Tax relief applies to both company and employee portions. An independent trustee oversees the scheme to ensure full compliance with pension regulations.
Company pension schemes are arranged by employers for directors and employees. Contributions come from the employer directly, with employees’ portions deducted from their salary. This allows for efficient tax relief as deductions are applied at the source.
Also called buy-out bonds, these allow you to transfer pension benefits from a previous employer into a personal plan. This gives you control over investments and providers. Our advisors can determine if this option suits your needs.
With over 30 years of experience since starting financial advisory services in 1991, McCarthy Insurance Group has been providing customized solutions to help clients plan for their financial futures.
Our team of qualified financial advisors (QFAs) offers extensive expertise across all facets of financial planning. This includes life insurance, income protection, pensions, health coverage, inheritance tax strategy, regular savings, and lump sum investments. We take an unbiased approach, with no favoritism towards any particular provider.
To further complement our advisory services, we have established professional relationships with tax experts, accountants, and legal partners. This collaborative approach allows us to deliver comprehensive financial guidance by drawing on the knowledge of specialists across disciplines. Our only focus is creating tailored plans to help secure our clients’ financial wellbeing and peace of mind.
Highly qualified professional team of advisors with over €300 million in client assets under management.
Innovative technology that allows clients to view all of their policies with all insurers in one place.
Access to the most competitive rates from all of the major insurance and investment companies in the marketplace.
Highly efficient administration service and direct contact points for all customers
I was in a hurry to insure my car because I bought it unexpectedly. The insurance team did everything to make it possible – it was insured the next day, for an excellent price. I would like to thank the friendly team, especially Paul. I recommend it to everyone. Thank you!
Really happy with the customer care with McCarthy Insurance Group. Refreshing to have someone at the end of the phone/email not reading from a script. Everything dealt with swiftly and smoothly. And a good rate too!
We have been customers of McCarthy Insurance Group since 2013. The service is excellent, technical support is very strong, and they are always very courteous and efficient to deal with. In addition, their product knowledge and advice are always very supportive of our business day-to-day.
We have been working with McCarthy Insurance Group for a number of years and very much value their trusted advice and guidance on the insurance market. We are confident that we achieve the best coverage and the best value with the guidance of McCarthy Insurance Group.
Reach out to connect with our knowledgeable and friendly team, ready to provide you with personalised insurance advice and support tailored to your unique needs
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Charles McCarthy Insurances Ltd. t/a McCarthy Insurance Group, McCarthy Financial Services is regulated by the Central Bank of Ireland. Registered in Ireland no.357858. Registered office: Anderson Centre, O’Neill Crowley Quay, Fermoy, Co. Cork, Ireland. Please note that telephone calls may be recorded for regulatory, quality, training and verification purposes.
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