Pension Review
Make sure your pension still reflects your income, goals and plans for retirement with clear, no-fee pension review advice.
30+ Years’ Experience
Nationwide Service
Having a pension is not always the same as being on track
Many people start a pension, set a contribution amount and then leave it untouched for years.
But your income, career, family, business, retirement plans and financial priorities can all change over time.
At Covermore, we help you review your existing pension arrangements, understand what you have in place and consider whether your contributions, investment approach and retirement plans still reflect where you are today.
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.
When should you review your pension?
Your income has increased
As your income grows, it may be worth reviewing whether your pension contributions still match your future goals.
You have changed jobs
A new role can mean new pension benefits, workplace arrangements or additional contribution opportunities.
You have not reviewed your pension in years
If your pension has been left unchanged for a long time, a review can help you understand whether it still suits your plans.
You are self-employed or running a business
Your business income, profits and retirement plans can change regularly. A pension review can help you consider whether your current arrangements remain appropriate.
You are approaching retirement
As retirement gets closer, it becomes more important to understand what you have, what income it may provide and what options may be available.
Your family or financial commitments have changed
Buying a home, starting a family, changing career or taking on new commitments can all affect your wider financial plan and pension priorities.
What we can review
Your existing pension arrangements
We help you understand the pensions you already have, including workplace pensions, PRSAs and older arrangements.
Your current contribution level
We can help you consider whether your contributions still feel realistic for your income, goals and future plans.
Your retirement goals
We discuss the lifestyle you want in retirement, when you may want to retire and what level of income may be needed.
Your investment approach
Pension funds are normally invested over time, so it is important to understand whether the level of risk still suits your circumstances and retirement timeframe.
Your wider financial picture
Your pension should work alongside your mortgage, protection, savings, investments and family plans.
How Covermore can help with Pension Reviews
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 what you have in place
We start by discussing your existing pension arrangements, contributions, income and retirement plans.
Explain your pension clearly
We help you make sense of your current arrangements, without unnecessary jargon or complicated language.
Identify potential gaps
We look at whether your pension contributions, retirement goals and wider financial plans appear to be aligned.
Explore suitable options
We explain the options that may be available, helping you understand what changes could be considered.
Advice based on your situation
Your pension should be reviewed as your income, goals and circumstances change.
We take the time to understand your existing arrangements, explain your options clearly and help you make informed decisions for your future.
I have an old pension from a previous job
We can help you understand what you have in place and how it fits into your wider retirement planning.
I have more than one pension
We can help you review your different arrangements and understand how they work together.
I have not increased my contributions in years
We can help you consider whether your current contributions still reflect your income and retirement goals.
I am self-employed
We can help you review whether your pension planning still fits your income, tax position and future plans.
I am a company director
We can help you review pension planning as part of your wider personal and business financial strategy.
I am approaching retirement
We can help you understand your current pension arrangements and the decisions that may become more important as retirement gets closer.
What to prepare before speaking to an advisor
It can be useful to have a general understanding of:
Any workplace pensions, PRSAs or older pension arrangements
Your current contribution amount
Your income and employment position
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?
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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.