Start a Pension
Start building towards your future with clear, no-fee pension and PRSA advice.
30+ Years’ Experience
Nationwide Service
Starting a pension is one of the most important financial steps you can take
It can be easy to put pension planning off when there are more immediate priorities to think about.
But the earlier you begin, the more time you have to build a pension around the retirement you want.
At Covermore, we help you understand the options available, including whether a PRSA may suit your circumstances, how much you may be able to contribute and how pension planning can fit into your wider financial plan.
Whether you are employed, self-employed, changing jobs or simply unsure where to begin, we make the process clearer and easier to manage.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
What to consider before
starting a pension
Your retirement goals
It can help to think about the lifestyle you would like in retirement, when you may want to retire and what level of income you may need.
Your current income
Your pension contributions should fit your current income, household costs and wider financial commitments.
Employer contributions
If your employer contributes to a pension arrangement, it is important to understand what is available and how it may fit into your retirement planning.
Tax relief
Pension contributions may qualify for tax relief, subject to Revenue rules, contribution limits and your individual circumstances.
Investment approach
Your pension will usually be invested over time, so it is important to understand the level of investment risk you are comfortable taking.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
How Covermore helps you start a pension
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
Understand your current position
We start with a conversation about your income, employment, existing pension arrangements, family responsibilities and future goals.
Explain your pension options clearly
We explain the available options in plain English, helping you understand how a pension or PRSA may work for your circumstances.
Help you set a realistic contribution level
We help you consider what level of contribution may feel manageable today while supporting your longer-term retirement plans.
Consider tax efficiency
We help you understand how pension planning may fit alongside your income, tax position and wider financial goals.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Advice based on your situation
Starting a pension is an important step towards building financial security for later life.
We take the time to understand your income, retirement goals and future plans, then explain the options clearly and help you get started.
I am employed but do not have a pension
We can help you understand what pension options may be available and how to take a practical first step.
I am self-employed
When you work for yourself, you are responsible for building your own retirement provision.
We can help you explore pension and PRSA options that fit your income and future plans.
I have just started a new job
A new job can be a good time to review whether you have access to a workplace pension and whether additional planning may be needed.
I have changed jobs several times
You may have pension arrangements from previous employment or may not have kept track of what is in place.
I want to start small
You do not need to have everything figured out before beginning.
We can help you create a contribution plan that feels realistic for your income and commitments.
I am a company director
We can help you consider pension planning as part of your wider personal and business financial strategy.
What to prepare before speaking to an advisor
It can be useful to have a general understanding of:
Your age and income
Your employment or self-employed position
Any existing pensions or workplace arrangements
Whether your employer contributes to a pension
Your regular household commitments
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Not sure what financial step to take next?
Hidden
Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.