From 2030, the lifetime limit for pension savings — the Standard Fund Threshold — increases to €2.8 million. For high-earning professionals such as Consultants, GPs, and Dentists, this change presents both opportunity and complexity.

Reaching the limit can provide a comfortable retirement, but exceeding it can trigger additional tax charges. Understanding where you stand is key to protecting your hard-earned wealth.

Why It Matters

Pension planning isn’t just about saving; it’s about strategising. As your income grows, so does your contribution potential and so do the tax implications. Without proper management, even well-intentioned saving can create inefficiencies or unnecessary tax exposure.

Knowing how to balance contributions across:

• Superannuation and public service schemes
• Private PRSAs or AVCs
• Investment structures within your pension

Managing Growth, Avoiding Overexposure

At Omega Financial, we guide consultants and high-income professionals through the maze of pension thresholds, revenue caps and contribution limits. We project future fund values, model tax implications and design strategies that balance growth with sustainability.

Our goal is simple: to help you reach financial independence without crossing unnecessary tax barriers.

Omega’s Expertise

We specialise in coordinating complex pension portfolios and lifetime allowance planning. Our experience with consultants, senior practitioners, and business owners means your plan is always aligned with Revenue rules and your personal financial goals.

• Model and monitor your pension against the €2.8m limit.
• Balance contributions across multiple schemes.
• Protect your progress with comprehensive income cover.

You’ve worked hard to build your financial legacy — now let’s make sure it works for you.

• 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.

‍