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 Income Management
HSE Consultants often have income streams beyond their public salary, making effective management of private earnings a key part of overall financial planning. A structured approach ensures income is used efficiently—balancing tax obligations, pension funding, and long-term investment, while supporting greater financial security and flexibility over time.
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
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