Get expert guidance on your Personal Retirement Savings Account (PRSA) – tailored advice that helps you secure a better financial future.
As a Company Director your company can contribute to a PRSA pension and receive corporation tax relief, subject to a maximum of 100% of your annual salary. Any amount above 100% of salary will be treated as Benefit-in-kind (BIK) and taxed.
Company Contributions to a PRSA pension are allowable for corporation tax relief. Personal contributions to a PRSA pension are allowable for income tax relief. (all subject to Revenue limits)
From age 60 years, you can typically access your PRSA, with options including taking a tax free lump sum (up to 25% of the fund tax free up to €200K) and you can reinvest the remainder into an Approved Retirement Fund (ARF) or take income through an annuity.
100% of your PRSA fund can be paid to your spouse tax-free. This can be of great benefit for your spouse if anything happens to you. All death benefits are subject to inheritance tax except where inherited by the deceased’s legal spouse or registered civil partner.
At Guardian Wealth, we specialise in retirement planning and are experts in PRSA pensions. With a reputation built on trust, clarity, and long-term results, here’s what sets us apart:
20+ years advising Irish clients on pensions and financial planning.
We explain your options simply so you can make informed decisions.
Your pension plan is tailored to your goals, age, income, and risk level.
Fully regulated by the Central Bank of Ireland.
No hidden charges. We explain everything upfront.
We don’t disappear after setup – we’re with you for the long haul.
Jim Doyle brings over 30 years of experience in financial and client advisory services. A qualified Accountant and Financial & Investment Advisor, Jim has built a career grounded in trust, expertise, and a deep commitment to client success.
Before founding his own accountancy practice in 2002, Jim held key accounting roles in multinational companies including Kerry Group and GlaxoSmithKline, both in Ireland and the UK. This diverse background has equipped him with a broad perspective and a practical understanding of both corporate and personal finance.
Jim specialises in tax and pension planning, using his extensive knowledge to deliver tailored, high-quality financial solutions. His approach is client-focused, ensuring that each individual or business receives advice that is both strategic and personal.
A passionate advocate for lifelong learning, Jim is dedicated to staying at the forefront of the financial industry and sharing that knowledge with clients and peers alike.
Outside of work, Jim keeps active playing tennis and proudly supports his three sons in their hurling and Gaelic football championships—interests that reflect his strong connection to community and family.
Qualifications:
Joanne has been with us since 2010. She has over 25 years experience in Customer Relations, Sales and Marketing in the business to business sector. Joanne, having being self employed understands the everyday challenges that business owners face and enjoys talking to several business owners every week to see if we can support them and make their financial situation better.
If you are contacting Guardian Wealth for the first time, chances are Joanne will be the first voice you hear. Joanne is responsible for all of our Marketing activity and also acts as a point of contact for our clients.
Outside of work Joanne enjoys swimming and walking her doggie “Jupi” singing in a community choir and supporting her local hurling team and Wexford Senior Teams. Joanne is passionate about her community and works with Wexford County Council to get funding for projects that benefit the community.
Qualifications:
Peace of Mind for Families Across Ireland
Like most business owners I put most of my energy into making sure my business is successful. Very often that leaves little time to stop and look at my bigger picture financial position, and plan for the future. I have been working with Michael in Guardian Wealth for a number of years now and it’s great to know that he has a financial plan in place for me, and meets with me regularly to make sure I am on track. I am happy to recommend Guardian Wealth.
Trying to map out a personal financial plan is not an easy task. As most business owners know we spend so much of our time making sure our business is successful, we don’t always have the time or the ability to understand what our personal finances will look like 20 or 30 years from now. Michael, in Guardian Wealth, was able to show me what I needed to do now to ensure I was going to be financially independent when I am older. We meet every year to review progress and I am more than happy to recommend him and Guardian Wealth.
I had my Pension with my Bank but as the fund grew, I was becoming more and more concerned that I was always dealing with somebody different. I wanted to have a direct line to somebody who could advise me and meet with me as my circumstances changed over time. Michael is my Pension Advisor now and is always at the end of the phone whenever I need him. I am happy to recommend Guardian Wealth.
From January 2025, employer contributions to a Personal Retirement Savings Account (PRSA) will be capped at 100% of the employee’s or director’s salary. Any employer contributions exceeding this limit will be taxed as a Benefit in Kind (BIK) for the Director/employee. This change was introduced by the Finance Act 2024 and aims to align employer PRSA contributions with salary levels.
Usually, your first contact with us will be a short telephone call or an email with Joanne in client services. This allows us to understand your situation and let you know how we can help you. A quick phone call or email can often be the easiest way to take the stress out of these decisions.
For most of our clients that initial phone call or email is where they start to get clarity on the right steps to get the most from their Pension.
Joanne will quickly get a handle on what pensions you have and other areas you may need a bit of tax advice. If it is the right thing for you, she will set up a quick call with Jim or Michael to give you some advice over the phone or on a video call. You can contact Joanne on 01 5267770 or 053 9110380.
