My husband and I moved to the US nearly 4 years ago & don't expect to live in Ireland when we retire in approx. 20 years. We hold about 7 Irish pension accounts (3 x with ex employers and 4 PRSAs). We were recently informed by one of the pensions providers (Zurich) that they can no longer accept instructions from us to make changes to the pension, e.g. change fund structures, as we are non-resident. We were not aware of this being the case and it is very concerning as the current fund structures are right for the risk profile of younger people, but we would have wanted to change them as we got older. Zurich told us we could transfer our pensions to another provider (and I assume change fund structure then), but when i reached out to an Irish pensions expert for advice, he told me he cannot give advice to us as non-residents and I'm wary of making changes like this without advice. Our US financial advisor does not know the Irish pensions system. I also tried to explore the option of moving our Irish pensions to the US but that does not seem possible. This seems like a crazy situation - we can't move funds, we can't get advice as to how to manage these pensions and we can't move them from Ireland. Can anyone confirm the advice we have been getting is correct? What is the expected actions of people like us who are non-resident with irish pension accounts?