Are you approaching retirement? Understanding your pension and retirement options can help you make the most of your benefits and secure a comfortable future. Contact us today to assess your personal situation and explore your scope for maximising retirement benefits.

Client Testimonial

“I’ve gone to 2 banks and 3 ‘brokers’ to seek their advice and options. I eventually found a superb company called Infinity Financial Planning. I was €16,000 better off as a result of this consultation. Pat Leahy explained all the options clearly and spelt out the risks in all investments. Their fees are also very modest.”
— John Desmond, Retired Principal

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Why Your Superannuation Gratuity May Be Lower Than Expected

Your gratuity under the employer DC Scheme or Superannuation Scheme might be less than the maximum allowed under Revenue rules if any of the following apply:

1. You experienced a salary reduction over recent years, even if you have full service.

2. You have short service — less than 40 years.

3. You have non-pensionable earnings, such as overtime, ex-gratia payments, or other employment.

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Take Advantage of a Last Minute AVC (Additional Voluntary Contribution)

There is a special tax relief available for individuals nearing retirement, known as the last minute AVC. This option can help you boost your retirement benefits just before you retire.

Benefits of a Last Minute AVC Tax Relief

• Tax refund on pension contributions

• Maximising your tax-free cash lump sum at retirement

Making a last minute AVC could significantly improve your retirement finances — but timing and eligibility are critical.

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Need Help Planning Your Retirement?

Contact us today to discuss your pension options and whether a last minute AVC is suitable for you. Our expert team will guide you through the best strategies to maximise your benefits and ensure a secure retirement

Ready to maximise your retirement benefits? Contact Infinity Financial Planning today for personalized advice tailored to your needs.