Retirement Planning for Civil Servants

Book your Free One-to-One Consultation

Book your Free Retirement Consultation

Your best chapter awaits! If you're working as a Civil Servant and plan to retire soon, we would love to have a chat about your needs and goals during this exciting time.

Simply enter your details below, to arrange your FREE Retirement Planning appointment with one of our consultants - which will take place via video call or face to face, provided it is safe to do so.

How can we help you?

We'll help you achieve the best possible retirement for you, by creating a plan to help you reach your goals. We're with you every step of the way.

At retirement: 2-3 months before you retire

When you're getting close, to help you make the right decisions we will:

  • Give financial advice on all investment options available to you
  • Advise you on how you can draw down or get the most out of your AVC/Public Sector PRSA
  • Give you information about your Social Welfare and other entitlements you may have in retirement
  • Advise you on how to make the most of your money in retirement

In retirement: at regular points throughout your retirement

We'll be there throughout your retirement to give you support and to keep your finances on track. We will:

  • Review your savings and investments
  • Advise you on drawing money down from your Approved Retirement Fund (ARF)
  • Advise you on any Budget changes that may affect you
  • Give you ideas on how to reduce your expenditure
  • Give you advice on estate planning

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Your Details

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Existing Cornmarket AVC/PRSA customers: Your policy will be updated with your above expected retirement date. If this date differs to the one already held on our system, then the change may affect how your policy will be invested and could, therefore, affect the value of your policy on retirement.

Don’t miss out! We’d love to keep in touch to tell you about our products, services and special offers by email, post, phone, mobile and text. You can opt out at any time.

Data Protection Confirmation: I understand that by entering my personal information and hitting Submit below, that I will be contacted about an appointment. My personal details will be recorded by Cornmarket Group Financial Services Ltd., Christchurch Square, Dublin 8 and will be held on computer, and/or in printed form or otherwise. Where I have provided my consent to do so, I agree that this information may be used in future to contact me by post, email, telephone, mobile phone, or SMS about Cornmarket’s products and services. I understand that I can opt out of receiving these communications at any time by emailing dataprotection@cornmarket.ie or online by visiting cornmarket.ie/unsubscribeform. I understand that the information provided by me will not be passed on to third parties for marketing purposes. Cornmarket’s Data Privacy Notice available at cornmarket.ie/data-privacy-notice details how Cornmarket processes my data and my rights in relation to my personal data held by Cornmarket.

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What we'll cover with you

Settling your AVC or PRSA & maximising your retirement benefits

We'll guide you through every step of settling your AVC or PRSA. We’ll also review your options and advise you on what is the most appropriate action for your needs, such as:

  • Maximising your tax-free lump sum
  • Approved Retirement Fund (ARF)
  • Purchasing employer benefits
  • Purchase of Notional Service
  • Purchase of an Annuity

Single Premium AVCs

Single Premium AVCs are a great way to maximise your money and tax relief, if retirement is coming up soon.

Savings and tax

Our unique plans are designed for different needs. We'll find the one best for you.

Investing in retirement

We'll give expert advice on your retirement investment options, including Approved Retirement funds (ARFs) and Bonds and how to manage them.

Inheritance Planning

Leave more to your loved ones, we'll ensure they're not left with an unexpected inheritance tax bill.

Retired Members' Life Cover

Our Retired Members' Life Cover Plan is designed for the unique needs of Public Sector employees.

Social welfare entitlements

We'll guide you through every benefit and entitlement you can avail of in retirement.

Our Most Frequently Asked Questions!

What is the Cornmarket Retirement Planning Service?

Through Cornmarket’s complementary Retirement Planning Service, you will have the opportunity to meet with a member of our dedicated Retirement Planning team, who are all specially trained to guide you through pre-retirement, when you retire and during retirement, so you’re always financially prepared at any stage of your retirement journey.

What pension benefits or entitlements will I get?

Pension benefits and/or entitlements tend to vary from person to person, depending on factors such as years of service, your pension scheme, any additional contributions you’ve made and more. If you’re confused about any of these, please feel free to contact a member of our dedicated Retirement Planning Service team to arrange an appointment.

I am retiring soon, what should I do?

As you start your retirement journey, our experts are there to help, with years of experience in advising our customers on settling or setting up your AVC or PRSA, retirement investments, pension benefits, Single Premium (Last Minute) AVCs and more. Of course, we’re always ready to answer any of your questions.

What do I do with my AVC/PRSA?

There are several steps involved in settling your AVC or PRSA at retirement. You can also meet with one of our retirement experts, who will be happy to guide you through the process, or find out more through one of our handy guides when you visit cornmarket.ie/avc.

Can I retire early?

There are several options available for early retirement, including taking out an AVC, 'buying' additional years of service, or retiring early through the Cost Neutral Early Retirement Scheme. Our dedicated Retirement Planning Team can help find the best choice for you.

When should I start planning for retirement?

Ideally, you should start planning for retirement at least 5-6 years before your intended retirement date to ensure you’re retirement ready and are financially secure when the time for retirement comes. But it’s never to late! For example, a single premium AVC can be done right up to your retirement date.

What will happen during my retirement planning appointment?

Your Cornmarket consultant will arrange to meet with you either in-person or online (wherever you feel most comfortable) and go over crucial information about your retirement such as your benefits and entitlements, give you an overview of your retirement options, advise you on how to properly manage your funds in retirement, and more, based on your individual circumstances.

You only retire once let’s ensure you Retire Right.

Book your appointment today!

Call us, request a call back, or talk to us on web chat now!