Resources
Clear writing on pensions, retirement, and the decisions that shape your financial future. From our team to you.
Articles
Budget 2027 puts a little more in your pay from January, leaves pension tax relief alone and adds a new investment account from July 2027. Emma Farrelly sets out what it means for your plans and three things to do before January.
Financial advisers in Ireland are paid by fee, by commission or by a percentage of assets. Here is what each one means for you, what to ask, and what we charge.
Income protection replaces up to 75% of your income if illness or injury stops you working. Premiums get tax relief at your marginal rate. Here is how it works and what drives the cost.
A €500,000 pension pot plus the State Pension gives a single homeowner around €35,000 a year. Whether that is enough depends on four things. Worked examples inside.
A financial adviser is worth the cost when you have several pensions, are near retirement, run a business or have dependants. Here is when advice pays, when it does not, and the downsides.
Life insurance is worth it if someone depends on your income or would inherit a debt. Here are the four types sold in Ireland, what they cost, and how to work out the right amount.
A PRSA is yours and moves with you. A company pension is run by your employer. Here is how they differ on contributions, tax, charges and access, and whether you can have both.
Approaching retirement? Emma Farrelly explains how to plan your income so your money lasts; and why planning to age 90 makes sense.
Tadhg had savings in several pension pots, but with his mortgage due and bills mounting, those funds felt locked away. We mapped out a plan that helped him move from crisis to financial stability while protecting his long-term retirement position.
Multiple pension pots scattered across different countries and providers? You're not alone. Here's how one executive finally got clarity on her retirement plans, and why the detective work matters.
If you've changed jobs a few times, you likely have three, four, maybe five different pension pots scattered across previous employers. The natural instinct is to consolidate everything into one simple pot, but consolidation is not always the right answer.
Women in Ireland retire on pensions around a third smaller than men's. Emma Farrelly explains why the gap exists, why auto-enrolment will not close it, and five things you can do now.
Events & talks
Future Financial Planning holds occasional seminars and information sessions for employers and individuals. When we have an upcoming event, we will share details here. In the meantime, you can read about our most recent session below.
Future Financial Planning hosted an information seminar on MyFutureFund, Ireland’s auto-enrolment pension scheme, which began on 1 January 2026.
The session helped employers understand what auto-enrolment means, who it applies to and what practical steps they may need to consider.
Key takeaways from our auto-enrolment session for employers.
Employees aged 23–60 earning over €20,000 who are not in an occupational pension scheme will be auto-enrolled, including part-time and seasonal staff.
Employer contributions start at 1.5% of gross earnings, rising to 6% over ten years. Contributions are tax-deductible and paid via payroll to NAERSA.
Your payroll must process Auto-Enrolment Participant Notifications and deduct the correct contributions. Early preparation is essential.
Auto-enrolment is fixed and does not allow AVCs or flexible access. Traditional workplace pensions may suit higher-rate taxpayers better.
Employers must inform staff about AE membership, opt-out windows, and how the scheme interacts with existing pension arrangements.
Press
Emma reflects on how auto-enrolment and state savings schemes are bringing pensions into everyday conversation, and why traditional pensions still matter.
Read the piece →Emma spoke about rising costs, cash flow, and why practical steps like emergency funds and pensions help anyone feel more prepared.
Read the piece →Emma explores why auto-enrolment alone will not close the gender pension gap, and urges women to take control of their financial futures.
Read the piece →Emma joins Stock Club to talk about savings habits in your twenties, auto-enrolment, deemed disposal, and building wealth in Ireland today.
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