Financial Planning Matters

30/09/2026

Your age decides how much you can put into your pension with tax relief.

Revenue allows you to claim tax relief on pension contributions as a percentage of your salary, up to earnings of €115,000.

That percentage rises with age, from 15% under 30 to 40% at 60 and over.

Most people contribute only through their company pension and leave a large part of this allowance unused.

An AVC (Additional Voluntary Contribution) closes that gap. It is extra money going into the pension you already have through work, and it comes with tax relief of up to 40% on what you contribute, depending on your rate of tax. At 50, earning €100,000 and already contributing €5,000 has €25,000 of extra room and receives €10,000 back from Revenue.

Timing is what makes it work. To claim relief against last year's income, contributions need to be made before 31st October 2026.

Swipe through to see how the limits work at each age →

This is exactly what we help clients get right. We calculate your remaining allowance, structure the contribution so the relief is claimed in full and on time.

25/09/2026

€10,000 into an AVC does not cost you €10,000.

Most people see the headline figure and put it off for another year.

For higher-rate taxpayers, up to €4,000 comes back from Revenue as tax relief. That brings the real cost down to €6,000, and €4,000 back on a €6,000 cost is effectively a 66% return before a cent is invested.

We will work out your exact numbers so you know precisely what an AVC costs you and what it gives back before you commit.

Contribute before 31st October 2026 and claim the relief against last year's income.

Book your consultation with us today ! - available for a limited time at just €99.

21/09/2026

Your salary stops the day you retire. Does your income?

For most people, pension income falls well short of their final salary and by the time they notice this gap, there's less runway left to close it.

An AVC (Additional Voluntary Contribution) is one of the most straightforward ways to fix that. It's not a new pension, it's extra money going into the one you already have through work and it comes with tax relief attached: up to 40% back on what you contribute, depending on your rate of tax.
The catch is timing. To claim relief against last year's income, contributions need to be made before 31st October 2026.
Swipe through to see how it works →
This is exactly the kind of decision we help clients get right, the relief only counts if the paperwork and timing are handled correctly.
Book your consultation today at fpms.ie

22/08/2026

Your Child Benefit can do more than sit in an account.

Redirected into a long-term education investment fund, that monthly payment has real potential to grow into your child's college fund.
Start from birth and €140 a month over 18 years means €30,100 invested - with potential to grow to around €48,944.

Starting later? You can still catch up with a higher monthly amount over a shorter timeframe.

€140 is simply today's Child Benefit rate - a starting point, not a limit. 

Families can invest more from the outset to build an even stronger fund.

At FPMS, we'll help you see what a realistic education fund could look like for your family.

Book your consultation today → Niall O’Connor

25/01/2026

14/11/2025

Ever get hit with a bill you knew was coming… but still weren’t ready for? 👀💸
That’s where sinking funds come in; a simple way to save for predictable expenses like car insurance, holidays, Christmas shopping and kids’ activities.

Put away a small amount each month and by the time the bill lands… ✨ you’re sorted.

Want help setting up a system that actually works for your life?

Book a 1:1 consultation at FPMS.ie.

08/10/2025

It’s World Financial Planning Day!

Do you know where are you on the 7 Levels of Financial Freedom?

Ask yourself: where are you today - and where do you want to be next year?

Visit FPMS.ie to start planning your next step.