Financial Advice for Hospital Consultants
HSE pension entitlements, pension limits and tax exposure, contract structures, and long-term financial planning — built around the realities of a consultant's career in Ireland.
Built for consultants
Your pension and tax position can be a maze — we map it
Between HSE pension entitlements, pension limit thresholds, public/private income splits, and AVCs, the financial planning landscape for hospital consultants is genuinely complex. And mistakes are expensive.
We work regularly with hospital consultants across Ireland’s public hospital system, and we understand the contract structures, entitlement timelines, and planning windows that make a real difference to your outcome.
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Are you unsure of your HSE entitlements?
We’ll establish exactly what pension benefits you’ve accrued under your HSE contract — including under pre- and post-2004 schemes — and identify what’s missing. -
Are you approaching pension limits?
We advise consultants who are at or near the Standard Fund Threshold and help structure income and pension contributions to minimise your tax exposure. -
Are you building private practice income?
We advise on tax-efficient structures for private earnings, including PRSA and executive pension options alongside your HSE entitlements.
HSE Pension Review & Planning
Detailed analysis of your HSE pension entitlements — including pre-2004 and post-2004 schemes, pension limit exposure, and AVC/PRSA strategies.
- Entitlements review (Class A & D PRSI)
- Pre/post-1995 pension analysis
- Standard Fund Threshold planning
- AVC & PRSA contribution strategy
Private Practice Planning
Tax-efficient structuring of your private earnings — maximising legitimate pension contributions and minimising unnecessary tax.
- Pension contributions on private income
- Executive pension options
- Company structures where relevant
- Cashflow & tax planning
Protection
Income protection and serious illness cover structured for consultants’ specific income blend — HSE salary plus private earnings.
- Income protection (short & long-term)
- Serious illness cover
- Family protection & life cover
Investment & Cashflow Planning
Planning for wealth beyond your pension — tax-efficient investing, cashflow modelling, and long-term financial planning.
- Investment strategy & review
- Cashflow modelling
- Retirement income planning
Mortgages
Mortgage advice for consultants with complex income structures — including residential and investment property.
- Residential mortgage advice
- Investment property financing
- Mortgage protection
Estate & Legacy Planning
Protecting the wealth you’ve built and ensuring it passes to your family as efficiently as possible.
- Inheritance tax planning
- Trust & will guidance
- Life assurance structuring
Free resource
Download: Consultant Pension Review Checklist
The exact information checklist we use when reviewing a consultant’s pension position. Know what to expect and what to gather before your first meeting.