Financial Planning News
Planning for retirement in Ireland requires understanding two fundamental pension types: the state pension and private pensions. Whilst the state pension provides a baseline weekly payment, it might not be enough for a comfortable retirement. Most people need private pension arrangements to supplement their state pension and maintain their desired…
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Most people are surprised when they discover what their State Pension will actually cover. Whilst it serves as a solid starting point, the reality is that it’s unlikely to sustain anywhere near the lifestyle you’re used to. With the current State Pension qualifying age at 66 and typical payments falling…
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If you’re an Irish business owner with an executive pension, you face a mandatory deadline of 22nd April 2026 to transition to a compliant alternative—or face your scheme being frozen. This isn’t scaremongering. It’s the reality created by new EU regulations that have fundamentally changed how pension schemes operate in…
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Pension term assurance lets self-employed Irish workers and PAYE employees without company pensions protect their families with life cover that costs up to 40% less than regular term life insurance. A €100 monthly premium costs just €60 after income tax relief from Revenue. Yet most eligible people have never heard…
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If you’re a business owner, company director, or HR professional in Ireland, you’ve likely heard the term “master trust pension” more frequently over the past year. With auto-enrolment launching on 1 January 2026 and the April 2026 deadline for transitioning existing executive pensions, understanding master trusts has never been more…
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Key Person Insurance Ireland: Complete Guide to Protecting Your Business from Critical Employee Loss
Every Irish business owner knows their company’s success depends on key people. While specific failure rates vary, many businesses face severe financial difficulties when they lose a critical employee, with potential impacts ranging from operational disruption to complete closure. With high replacement costs and recruitment timelines often stretching beyond six…
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If you’re an Irish professional with spare cash each month, you’re facing one of the most impactful financial decisions of your lifetime. Should you channel those extra euros towards your pension or use them to pay down your mortgage faster? Here’s the bottom line: For most Irish professionals earning between…
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The truth about pension timing in Ireland: It’s never too early, rarely too late. If you’re wondering whether you’re the right age to start a pension in Ireland, you’re asking the wrong question. The real question is: how much are you losing by waiting another day? Here’s the reassuring truth:…
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Running a successful business in Ireland often means facing a rather pleasant problem: surplus cash sitting in company accounts. Whether you’ve had a particularly strong year, built up reserves, or simply want to make your capital work harder, the question becomes—what’s the smartest way to invest company money whilst staying…
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Choosing the right pension in Ireland can save you thousands — or cost you the same if you get it wrong. With so many pension options available, from standard PRSAs to personal pension plans, it’s no wonder many Irish workers feel overwhelmed when planning for retirement. Here’s the thing: understanding…
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CONTACT INFO
Opes Financial Planning Ltd
12, Parklands Office Park
Southern Cross Road
Bray, County Wicklow
Ireland, A98 WF95
We are conveniently located on the Southern Cross Road between Bray and Greystones which can be accessed via junction 7 of the N11.
This is ideal for servicing clients from the surrounding South Dublin, Wicklow and greater Leinster areas.
Directions:
Our office is situated 20kms south of Dublin, just beyond Bray in Co. Wicklow. Take the M50 southbound onto the N11 then take Exit 7, the Bray/Greystones exit and follow signs to Greystones. We are on the right near the end of the Southern Cross road leading from the N11 to the Greystones Rd.
OPES FINANCIAL PLANNING LIMITED
OPES FINANCIAL PLANNING LIMITED is regulated by the Central Bank of Ireland.
OPES FINANCIAL PLANNING LIMITED (Company No 456044)
Opes Financial Planning is a trademark used under licence.
