Where to get independent, professional advice?

A

ajapale

Guest
Q1
Where would one go to get independent, professional advice on PRSA's.

Q2
Where would one go to get independent, professional advice on Occapational Pension Schemes (Defined Benefit) in the Private Sector

Q3
Where would one go to get independent, professional advice on Public Sector Pension Schemes.

Background: The individual seeking the advice has worked in several public and private sector jobs over the last number of years and is likely to work in several more over the next few years. She would be willing to pay a reasonable fee for effective advice.

Thanks,
ajapale
 
Independent advice is only available from an Authorised Advisor or perhaps a good multi-agency intermediary who is knowledgeable about the specific pension niche in question.
 
Thanks <>,

The following letter from the Central Bank is the Statement of authorised status.

I can see where an AA is clearly in a position to give advice concerning PRSA's (Q1) but I cant see where AA's are neccessarily qualified to give advice on occapational and public service superannuation schemes.(Q 2 and 3).

 
A good Authorised Adviser should be able to answer your queries on Q2 & Q3.

Both are Defined Benefit and the only differences will be the individual rules of each scheme. i.e. % of final salary on offer. Opportunites to buy back years, AVC availability, Inclusive or exclusive of state benefit etc.

All of the above and the individual rules applying to each scheme should be laid out in a pension scheme booklet/brochure/ rules. Any reasonably adept AA should be able to study both scheme rules and compare.
 
would there be an emloyee assistance officer in any of the public bodies where the person worked who might be able to point you in the right direction?
 
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