Take Control of Your Pension
Stop Hidden Fees and Default Funds Eating Into Your Future
Free Pension Review for Professionals & Business Owners aged 40+
- No Jargon
- No Pressure
- Clear Answers in Plain English
Access to Index funds, Vanguard and Blackrock, Sp500 & Global Index.
Not for Civil servants like Garda, HSE workers or Teachers.
Why Most Pensions Underperform?
The Truth About Your Pension (That Nobody Tells You)
- Hidden fees quietly reduce your retirement savings
- Old employer pensions often sit untouched for 10–20 years
- Many people are still in a default fund that may not suit their age or goals
- They could be paying 2–3 times more in charges than necessary
- They may be missing out on valuable tax relief
A quick pension review can give you clarity, confidence and a clear plan.
Trust & Reviews
What Clients Say
Who This is For?
This Review Is Ideal For You If You Are
Aged 40–65
You’re at the stage where your pension really matters, and small changes now can make a big difference later.
Living in Dublin or Nearby
You’re at the stage where your pension really matters, and small changes now can make a big difference later.
Employed, Self-Employed or a Company Director
Whether you’re working for an employer or running your own business, your pension options and opportunities may look very different — and we help you understand them clearly.
Aged 40–65
You’re at the stage where your pension really matters, and small changes now can make a big difference later.
Wondering if You’re Paying too Much in Fees
Even small fee differences can add up over time. A review can show whether your charges are fair — or quietly costing you more than expected.
Curious if You Should Move or Consolidate Old Pensions
If you’ve changed jobs over the years, you may have pensions scattered around. Bringing them together can make life much simpler.
Concerned if You’re “Behind” and Want to Catch Up
Many people feel this way — and it’s completely understandable. We help you explore realistic options and next steps.
Looking for Honest Advice
No jargon, no pressure. Just clear, straightforward guidance to help you understand your pension.
Wanting to Maximise Tax Relief and Long-Term Growth
We show you how your current structure works and explore ways to make your contributions work harder for you.
How We Help?
What You Get in a Free Pension Review
Your review is a calm, one-to-one conversation with Oisín where everything is explained in plain English. During the session, he will:
Look at Your Existing Pensions — Old and Current
So you can finally see the full picture of what you have and where it stands today.
Identify Hidden Fees and Unnecessary Charges
Even small fees can add up over time. We break them down clearly so you know exactly what you’re paying.
Check if You’re Invested in a Default Fund
Many people stay in default funds for years without realising it. We help you understand if your fund is right for your age and goals.
You’ll leave with full clarity — no jargon, no confusion, no pressure.
Explain Your Tax Relief Options Simply
You may be entitled to more relief than you think. We show you what applies to your situation in a straightforward way.
Show What Your Pension Could Look Like with Better Structure
A few changes can make a meaningful difference over time. We outline what your future could look like with the right setup.
Recommend Clear Next Steps (Only if Appropriate)
There’s no pressure. If there’s nothing that needs changing, we’ll tell you. If there are options worth considering, we’ll explain them clearly.
The Three Pension Services We Offer
Helping You Get Clarity, Confidence and Control Over Your Pension
Whether you’re reviewing an existing pension, trying to understand old employer pots, or looking to start fresh, we offer straightforward services designed to make your retirement planning easier. Everything is explained in plain English, with guidance tailored to your age, goals and circumstances.
Pension Review & Fee Analysis
We take a clear, detailed look at your current pension so you understand exactly what you’re paying, how your fund is performing, and whether it still suits your plans. You’ll leave with a full picture of where you stand and what can be improved.
Consolidating Old Employer Pensions
If you’ve moved jobs over the years, you may have several old pensions sitting untouched. We help you bring them together into one simple, organised structure — reducing hassle, improving visibility, and often lowering fees.
PRSA & New Pension Setups
Whether you’re starting a pension for the first time or restarting after a long break, we guide you through a clear, tax-efficient setup. The plan is tailored to your goals, contribution level and the retirement lifestyle you want to build.
Why Choose Secure Your Future?
Local and Personal — Not a Call Centre
Speak Directly with a Qualified Financial Advisor, not a Sales Team
Honest Advice Tailored to You, not to Providers’ Products
Based in Malahide, Serving Dublin and Surrounding Areas
Calm, Human Conversations, not Pushy or Confusing
We Explain Everything in Plain English
We Specialise in Supporting People Aged 45–65
People tell us all the time: ‘I wish someone explained pensions like this years ago.’
How It Works
Step-By-Step
Book Your Free Review
Choose a time that suits you.
We Analyse Your Existing Pension
You can share basic details or your recent pension statement.
You Get Clear Guidance
We walk you through fees, performance, options and tax relief.
You Decide the Next Step
No obligation. No pressure. Just clarity.
About Oisín Geraghty QFA
Your Pension Advisor — Here to Make Everything Clear
Oisín Geraghty is a Qualified Financial Advisor based in Malahide who specialises in helping professionals and business owners gain clarity and confidence about their retirement planning.
With Years of experience in the Irish Pension Market, Oisín Focuses on
Transparency
Simple Explanations
Long-Term Planning
Personal Support
About Oisín Geraghty QFA
Your Pension Advisor — Here to Make Everything Clear
Oisín Geraghty is a Qualified Financial Advisor based in Malahide who specialises in helping professionals and business owners gain clarity and confidence about their retirement planning.
With Years of experience in the Irish Pension Market, Oisín Focuses on
Transparency
Simple Explanations
Long-Term Planning
Personal Support
Common Questions
Frequently Asked Questions
1. Is the review really free?
Yes, the pension review is free. If you need further services beyond the review, we’ll explain all costs upfront.
2. I have multiple pensions — is that a problem?
Not at all. In fact, this is extremely common. Consolidation may help reduce fees and simplify things.
3. I’m embarrassed because I’ve left this too long.
You’re not alone — most of our clients started later than they wanted. It’s never too late to take control.
4. Do I need to bring anything to the review?
If you have it, your recent pension statement helps. If not, we can help you request it.
5. Can a review improve my pension performance?
Book Your Free Pension Review
Let’s Start With a Few Quick Questions
Your Pension Is Too Important to Leave on Autopilot
A simple review today could make a meaningful difference to your retirement tomorrow.
No jargon. No pressure. Just clear, honest guidance.