Retirement Planning

If you find yourself thinking more about retirement from the public sector, we’d like to help with your plans. In order to plan properly, you need the facts.

The key questions we are asked are,

  • When can I retire?
  • What will my pension be?
  • What will my lump sum or gratuity be?
  • How much will I take home every fortnight or month in retirement?
  • Am I currently doing the right thing or what should I do to improve my situation?
  • Do I qualify for a contributory State pension?
  • Should I use my lump sum to reinvest or should it be used to clear loans and mortgages?
  • How will my AVC benefits be treated for tax and should I choose taxable cash, an annuity or an Approved Retirement Fund?
  • What is the most efficient way to ensure my pension assets pass to my next of kin in the event of my death?

The public sector pension, Superannuation, can be a complicated area. At PSF we specialise in answering these questions for Ireland’s public sector and civil service members. If a family member is self-employed or working in the private sector we can advise on the entire household’s pension situation.

Given the complexities of pension calculations, there are various Pension Modeller calculators available. These Modellers are a useful tool in assisting you as you review your pension entitlements.

The following are links to the main calculators available based on when you started or re-entered public service:

Call Kenneth in Roscommon on 086-4677776 or email if you wish to discuss

Public & Private Sector Finance Experts

PSF Public Sector Finance has expertise in advising members of the HSE and the teaching profession untangle their finances by creating a clear and transparent financial plan for their futures.

Financial Planning

We'll help you secure your financial future and show you ways to save today.


Whether you’re buying your first home, moving or investing – we make your mortgage application and home purchase as stress-free as possible.

Retirement Planning

We'll help you achieve the best possible retirement for you, by creating a plan to help you reach your goals.

Savings & Investments

As an independent financial planning firm our guiding investment ethos revolves around ensuring that our clients fully understand.


No one starts out knowing exactly what they'll need for their retirement years.

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get started? Arrange a call with us today

Simply book a 1 to 1 Consultation to discuss your requirements and receive a no strings attached quotation.