MadeSimple Financial Advice

19/10/2026

Irish Teachers: Do you really understand your pension entitlements?
Two teachers working in the same school, earning similar salaries and approaching retirement at the same age could have very different pension arrangements.

Why?
Because when they joined pensionable service matters.

There are four main categories of pension arrangements for teachers in Ireland:

🔹 Pre-April 1995: Generally a final salary pension under modified PRSI arrangements, without automatic entitlement to the State Pension (Contributory) from that employment.
🔹 April 1995 – March 2004: Generally a coordinated pension scheme, with a normal retirement age of 60 and potential State Pension entitlement.
🔹 April 2004 – December 2012: New entrant pension arrangements, generally with a normal retirement age of 65 and options for cost-neutral early retirement.
🔹 January 2013 onwards: The Single Public Service Pension Scheme, where benefits are based on career-average pensionable earnings rather than simply your final salary.
But knowing which scheme you're in is only the beginning.

Your actual retirement income may also be affected by:
✔️ Years of pensionable service
✔️ Career breaks or job sharing
✔️ Previous employment and pension arrangements
✔️ Additional Voluntary Contributions (AVCs)
✔️ Your intended retirement date

At MadeSimple, our financial consultation helps teachers gain a clearer picture of their financial future.
We review your pension arrangements, forecast your potential retirement income and help you understand the options available to you.

Because retirement planning shouldn't be a guessing game.
Different joining dates. Different pension rules. We make it simple.

📩 Find out more or book your financial review at www.madesimple.ie
Individual entitlements are subject to applicable pension scheme rules, service history and eligibility.

13/10/2026

🍎 TEACHERS! Do you know which pension scheme you're in? 👩‍🏫👨‍🏫

When you joined the teaching profession could make a BIG difference to your retirement! 💰

There are 4 main pension scheme categories for teachers in Ireland, depending on when you entered pensionable service:

📘 Pre-April 1995 – Generally a final salary pension with modified PRSI arrangements.

📗 April 1995 – March 2004 – Generally a coordinated pension scheme with a normal retirement age of 60.

📙 April 2004 – December 2012 – New entrant rules, generally with a normal retirement age of 65.

📕 January 2013 onwards – A career-average pension scheme with different retirement rules.

💡 Different joining dates. Different rules. Different retirement outcomes.

But here's the important question…

Do you know what YOUR pension will actually be worth when you retire?

At MadeSimple, we help teachers understand their pension entitlements, forecast their retirement income and explore their options.

📩 Book your personalised financial review at MadeSimple.ie

Your pension arrangements depend on your individual service history and applicable scheme rules.

13/10/2026

Note to self! 🙃😉

Clocks go back at 2am on the last Sunday in October in the European Union and the UK as daylight saving time ends

09/10/2026

With so much uncertainty and so many things up in the air right now, it's nice to focus on the things you can control. 💚

One thing you could tick off your weekend to-do list? ✅

Book your MadeSimple Financial Review.

Take that first step towards understanding your pension, getting your finances in order and making sure your future plans are on track.

Then get back to enjoying your weekend, knowing you've done something positive for your financial future. ☕️

👉 Book your financial review at MadeSimple.ie

08/10/2026

Wondering how Budget 2027 could affect you and your finances? 💶

Many of you have questions about what the latest Budget changes could mean for your pension, investments and overall financial plans.

We've broken down some of the key announcements in our latest blog to help you understand what's changing.

👉 Visit MadeSimple.ie to read our Budget 2027 overview.

Of course, everyone's financial circumstances are different, and understanding how these changes could affect you personally is important.

If you'd like to discuss what Budget 2027 could mean for you and ensure your financial plan is still on track, get in touch with the MadeSimple team.

We're here to help make your financial future simpler.

06/10/2026

Budget 2027 is here — but what could it mean for your money? 💶

We’ve pulled together some of the key changes that could affect your personal finances, including:

➡️ Income tax changes
➡️ The new Personal Investment Account
➡️ Increased inheritance tax thresholds
➡️ State Pension and social welfare increases
➡️ Changes to Exit Tax and Capital Gains Tax

Swipe through for a quick overview. 👉

Wondering what these changes could mean for your pension, investments or wider financial plans?

Get in touch with the MadeSimple team. We’ll be keeping a close eye on the details as they develop and what they could mean for you.

MadeSimple.ie

05/10/2026

Thinking of retiring from teaching in the next 5 years? 🎓

You might be the same age as a colleague, work in the same school and plan to retire at the same time - but your pension position could look very different.

Your pension scheme, salary, service and PRSI class all matter.

That’s why understanding your own position is so important as retirement gets closer.

Missed our recent Teacher Pension webinars?

🎥 The replays are available now.

👉 Access here:
https://mailchi.mp/267c34b5c1d9/webinars

02/10/2026

Something that came up a lot during our recent teacher pension webinars was the importance of looking at the whole household when planning for retirement.

You might be a teacher with a public-sector pension, while your spouse or partner works in the private sector with a completely different pension and benefits.

And sometimes, those two sides are being looked at completely separately.

One adviser looks after the public-sector pension. Another looks after the private-sector side.

But who's looking at how it all fits together?

Having experience across both public and private-sector financial planning means we can look at your pensions, savings, income and future plans together — and build a plan around the retirement you're working towards as a household.

Two careers. Different pensions. One plan.