Retirement Should Be Defined by Choice — Not Compromise

After decades of service, your retirement should be defined by freedom. Freedom to slow down, travel, mentor or simply enjoy life beyond medicine. For Medical Consultants, a well-structured pension is the foundation that turns years of expertise into lasting independence.

Why Planning Ahead Matters

Consultants spend their careers solving complex problems, yet many leave their own finances to chance. Between long hours, changing contracts and evolving pension rules, it’s easy to postpone planning. But delaying sometimes means missing out.

A clear pension strategy allows you to:

• Replace your full income in retirement, not just survive on state benefits.
• Control when and how you retire — not have it dictated by contracts or age limits.
• Balance public and private schemes to maximise your benefits and minimise tax.

Today’s Consultant, Tomorrow’s Freedom

Since the Single Public Service Pension Scheme was introduced in 2013 and with the revised consultant contract now in place, retirement planning has become more complex, but also more flexible. Consultants can now tailor their pension approach across superannuation, single-scheme, and PRSA/AVC contributions.

By structuring these properly, you can grow your retirement fund tax-efficiently while ensuring your money continues working for you, even during career changes or transitions later in life.

Protecting the Journey to Retirement

Your ability to work funds your future. Pairing your pension with income protection (covering up to 75% of income) ensures contributions continue even if illness or injury interrupts your career. That means your financial freedom in later years stays on track, no matter what life brings.

Omega’s Expertise

At Omega Financial, we help Medical Consultants build clarity and confidence around their future income. Our specialist advisers map every pension stream — HSE, superannuation, private practice, or PRSA/AVC — into one clear, flexible plan.

✅ Optimise your tax relief and contribution strategy.
✅ Align your investments to your retirement goals.
✅ Ensure continuity between income protection and pension saving.

Live the Life You’ve Earned

Retirement shouldn’t mean slowing down — it should mean freedom. Start shaping your future today.

• Schedule a free consultation
• Call us on +353 1 293 8554
• Email us - info@omegafinancial.ie

OFM Financial Ltd T/A Omega Financial Management, regulated by the Central Bank of Ireland.

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