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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
What you pay, what staff get and what the market gives. We review every part of your package against the Irish market and tell you, in euro, what to keep, change or move.
Headcount, what you offer today and when the next renewal is due. A senior advisor is in touch with what we need to start.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
Many schemes were set up years ago and have renewed by default since. We go through each part: pension contribution rates and charges, the default fund, group life and income protection cover and premiums, the health plan and who uses it, and how each benefit is taxed for the company and for staff.
Then we set it against the market: charges and premiums from every main Irish provider, contribution rates against MyFutureFund's rising schedule, and plans from VHI, Laya Healthcare and Irish Life Health.
| Area | What we look at | What we measure it against |
|---|---|---|
| Pension | Contribution rates, charges, the default fund, take-up | The standard PRSA cap of 5% of contributions and 1% a year; MyFutureFund rates of 1.5% rising to 6% |
| Death in service | Multiple of salary, non-medical limit, premium | The Revenue limit of four times salary; quotes from every main insurer |
| Income protection | Benefit level, deferred period, premium | Two-thirds to 75% of salary less Illness Benefit; your sick pay policy |
| Health insurance | Plan level, who is covered, use, premium | Comparable plans from VHI, Laya Healthcare and Irish Life Health |
| Tax | Deductibility, benefit in kind, PRSI and USC | Revenue's rules for each benefit |
The findings are rarely dramatic, but they add up. Charges above what the market offers today. A default fund nobody has looked at in years. Life cover at a multiple of salary that no longer matches what staff were told. Income protection with a deferred period that does not line up with the sick pay policy. A health plan with features nobody uses.
Each finding comes with a figure: what it costs now, what a change would cost, and what staff gain. You decide what to act on, and we handle any change with the providers.
Most reviews take three to four weeks from the day we have the scheme documents, renewal notices and staff data. We time it to finish before your next renewal or year end, so any change can take effect without a gap in cover.
You get a short written report and a meeting to walk through it. If nothing needs to change, the report says so.
Headcount, what you offer and when it renews.
With your letter of authority, we request the scheme details from each provider.
Every part checked and re-quoted across the market.
Findings in euro, with what to keep, change or move.
Any change made with the providers, timed to avoid a gap in cover.
A shorter review before each renewal.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Every year, ahead of renewal, with a full review every few years or when the business changes size. Prices, plans and the rules change, and a package set up years ago can drift from the market.
Headcount and salaries, the scheme documents and the latest renewal notices. With a letter of authority from you, we request the rest directly from the providers.
Yes. A letter of authority lets us request the details from the providers. You decide afterwards whether anything moves.
No. Nothing changes until you decide. If you make a change, we help you tell staff what it means for them.
Yes. We set your contribution rates against MyFutureFund's schedule, which starts at 1.5% and rises to 6% by year ten, and show what staff get under each.
Only if you decide to. A review can end with a change of provider, better terms from the current one, or nothing to change.
Yes, if you want it to. Executive pensions, executive income protection and key person cover can be reviewed at the same time, by the same advisor, so the staff package and the directors' cover fit together.
Sources checked 7 October 2026.
Two minutes on the form. A senior advisor is in touch with what we need to start the review.