I’m Public Sector, My Significant Other Is Not
Cost: 1 hour@ €200
Financial planning can be challenging when one partner is in the public sector with a secure pension and benefits, while the other works in the private sector with different financial structures and retirement options.
This consultation is designed to help you and your partner align your financial future, ensuring you both maximize benefits, protect your income, and plan for retirement effectively.
Why This Matters
Many couples in this situation don’t realize the potential gaps or imbalances in their financial planning. Common concerns include
✔️ Pension Disparities – One of you has a defined benefit pension, while the other may have a private pension or none at all.
✔️ Income Protection & Security – Public sector employees have built-in sick pay, but private sector workers often need separate income protection.
✔️ Life Insurance & Mortgage Protection – Differences in employment benefits may mean different coverage needs.
✔️ Retirement Planning – Ensuring both of you have a sustainable and well-structured plan for financial independence.
✔️ Tax Efficiency – Optimizing tax reliefs and AVC contributions for the best financial outcome.
What We Cover in the Consultation
🔹 Pension & Retirement Planning – Understanding your combined retirement income and addressing any gaps.
🔹 Income Protection & Life Cover – Ensuring both of you have the right level of financial security.
🔹 AVC & Investment Strategy – Maximizing tax-efficient savings for the public sector employee while balancing private sector options.
🔹 Future-Proofing Your Finances – Planning for mortgage protection, family security, and long-term financial stability.
Who This Is For
✔️ Public sector employees (Teachers, Nurses, Civil Servants, Gardaí, etc.)
✔️ Partners in the private sector who need guidance on pensions and protection
✔️ Couples who want financial clarity and a solid plan for the future
Book Your Consultation Today!
Take the next step in securing your future together. Click below to book your consult now: