Get Peace of Mind

Your Pension savings plan is designed to help provide you with income later in your life. Although there are many different types of pensions, the most common types of plans are Personal Pensions and Executive Pensions. As part of our comprehensive retirement planning service, we analyse any existing or frozen pensions to ensure they are still providing value for money in terms of cost, performance, investment risk, and choice. Pension contributions also benefit from tax relief, which can help boost retirement savings and make pension planning an attractive option for many people.

Retirement Planning
Retirement Planning

We Can Help You Plan Your Future

Retirement Planning

We provide advice on a wide range of retirement planning and post-retirement products, including:

  • Personal Pensions
  • Personal Retirement Savings Account
  • Executive Pensions
  • Buy Out Bonds
  • Approved Retirement Funds
  • Annuities

Ifac Investment Services Ltd t/a Ifac Financial Planning is regulated by the Central Bank of Ireland

2. Personal Pension Contribution Relief

Age-related percentage limit for tax relief on pension contributions

AgePercentage limit
Under 3015%
60 or over40%

For example, an employee who is aged 42 and earns €40,000 can get tax relief on annual pension contributions up to €10,000.

Total earnings limit

The maximum amount of earnings taken into account for calculating tax relief is €115,000 per year.


You need an accountant who knows farmers and the business of farming. Ifac is a co-op and they know farming and farm tax, they are experts and I recommend them.

Teddy Cashman Dairy Farmer, ifac Board Member

I was of the opinion that I had a good tax advisor prior to moving to ifac. Ifac’s service goes beyond the traditional tax accountant. Their service matches my plans for the future of my farm with top class tax planning.

Larry Martin Dairy Farmer

I listen to farmers expressing concern about the service they are getting from their accountant. I tell them to join ifac as I am very happy with the service I am getting.

Pat Murphy Dairy & Beef Farmer

Getting the benefit of all the ifac specialists with one point of contact has been great for us. We're a growing business so having a partner who brings an external perspective is highly valuable.

Padraig Hennessy Co-Founder, Terra Liquid Minerals

Young farmers need expert specialist advice, they need to be with an accountant who knows farming and farm income and transfer taxes. Ifac fits the bill for me and I strongly recommend them to other young farmers.

Colm & Judy Diggins

Contact our team today

We know that when you're in the thick of it it's not always easy to see where you are, how change might affect you, or where you need to go. Contact our team today.