Superannuation Advice

For the vast majority of members of the Public Service, understanding and evaluating their entitlements under their Superannuation scheme is a complex issue. It’s certainly not getting any easier what with changes in the state retirement age, issues arising out of different PRSI arrangements, early retirement options and deciding on which course of action to take to enhance your Superannuation scheme benefits (eg AVC, NSP, PRSA).
In order to start this process you must first ascertain which of the existing 4 Superannuation schemes you are a member of. This is determined by when you entered (or re-entered) the service:
– Pre 1995 scheme
– 1995-2004 scheme
– Post 1st April 2004 scheme
– Post 1st Jan 2013 – new Single Public Service Pension Scheme
It’s quite common for someone to be a member of at least 2 if not 3 of these Superannuation schemes due to their service history. The obvious question is therefore how does this impact on your Superannuation scheme benefits and who can you turn to for comprehensive advice on all aspects of your Superannuation.Henneberry Financial Services can arrange a detailed synopsis as to what you will be entitled to at your retirement date.