Public Sector Retirement Planning

Public Sector Employees

Over the years we have successfully helped many doctors, teachers, health sector employees and public sector employees manage the transition from pre-retirement to post retirement.

We are independent financial planners who specialise in creating and developing ‘retirement plans’.

Our approach to dealing with public sector employees

We understand Public Sector employees and their attitudes to risk and have an approach to ensure we recommend solutions that are best suited to their needs.

Pension entitlements are a complex area with the key variables being:

  • amount of service (includes combinations of part-time, temporary and permanent)
  • your salary (pay cuts in recent years make your earnings over the last 10 years very relevant)
  • age at retirement (have you reached Normal Retirement Age or are you considering Cost Neutral)

Common queries we deal with include:

  1. How does the Haddington Road Agreement affect me?
  2. When can I retire?
  3. How do I calculate my pension and lump sum?
  4. What will my take home pay be in retirement?
  5. How can I improve my current position?
  6. What are my Last minute Additional Voluntary Contribution (AVC) options?
  7. Can I buy back years?
  8. I worked abroad, in the UK, am I entitled to anything?
  9. Do I qualify for a supplementary pension?
  10. Will I receive an Old Age Contributory Pension?

Some Relevant Blog Posts

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