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Just askpaul This page is managed by the askpaul team, the team behind askpaulnow & askpaul.ie This is the official page of team askpaul (the team behind askpaul.

ie) our main page is . Here at askpaul, we believe everyone should have access to financial advice. askpaul was founded in 2016 by Paul Merriman and has now grown to one of the most successful financial planning consultancies in Ireland with over 66 employees. There are 20 financial advisors & planners on our advisory team that provide financial advice through personal financial consultations and the content that publish across all our social channels and askpaul.ie. This page is going to provide additional content from all the different teams across askpaul including the familiar faces from our main FB page & our hugely popular Instagram, TikTok pages & askpaul.ie . Paul, aka askpaul, will of course make an appearance from time to time on this page. We will continue to provide loads of great content across a range of financial planning topics and for anyone seeking advice from experts in the industry, we're here to answer your questions, you can DM us on messenger or email us [email protected]

12/10/2026

Is your employer's 5% match actually enough for retirement? 🤔

A 5% match means 5% from you and 5% from them. Mortgage and young kids? It might be fine for now. 💶

Kids grown and more disposable income? Time to look at paying in more. 📈

Revenue lets you contribute more with tax relief as you get older, so it's worth knowing your own number. 💡

Book a no-obligation consultation with askpaul📲

Your age decides your pension contribution limit, most people don't actually know theirs. 🤔Revenue sets age-related limi...
11/10/2026

Your age decides your pension contribution limit, most people don't actually know theirs. 🤔

Revenue sets age-related limits for tax-relieved contributions: 15% under 30, rising in bands up to 40% from 60 onwards. 💶

Here's the catch: it only applies to the first €115,000 you earn. Earning €150,000? Only €115,000 of it counts towards your limit. 📊

Quick way to find your number: your age band % × earnings (capped at €115k). 45, on €150,000? That's 25% × €115,000 = €28,750 max. 🧮

Save this post to revisit later 📌

Same pension scheme, extra money, here's what actually changes. 🤔An AVC isn't a new pension, it's extra room within the ...
10/10/2026

Same pension scheme, extra money, here's what actually changes. 🤔

An AVC isn't a new pension, it's extra room within the one you're already in. Your normal contribution is the fixed rate agreed when you joined. Your AVC is flexible, start it, stop it, adjust it whenever suits.

Here's the bit people miss: both count towards the same age-related limit, not separate pots. Say you're 40 on €70,000, your limit is 25% (€17,500). If your normal contribution is €7,000, that leaves €10,500 of unused room for an AVC. 📊

📌 Download your FREE AVC Ebook here: https://share.hsforms.com/10BWd8BuzRE6sMWyRwsaiFg3enaq

Budget 2027: what it actually means for your money. Exit tax drops to 35% from 1 January 2027 and CGT falls to 31%. 📉 A ...
08/10/2026

Budget 2027: what it actually means for your money.

Exit tax drops to 35% from 1 January 2027 and CGT falls to 31%. 📉

A new State investment account launches 1 July 2027, with the first €50,000 tax-free. 💶

Inheritance thresholds are up too, with parent to child now €420,000. 🎁

Self-employed or paying AVCs? 31 October is your pension deadline. ⏰

Yesterday was World Financial Planning Day, and with a Budget like this, there's no better time to check your plan.

Swipe for the full breakdown ➡️ and book a no-obligation consultation with askpaul. 📲

07/10/2026

Budget 2027 is here 💸 Good news for savers, investors and first-time buyers? 🤔

📉 Exit tax down to 35%
🆕 €50,000 tax-free investment account
🏠 Help to Buy up to €35,000
💼 CGT down to 31%
⏰ Pension deadline: 31 October

05/10/2026

Why spend the same amount every year of retirement, when your needs won't stay the same every year?🤔

Health and spending power typically peak in your 60s and early 70s, then taper off. So why not front-load your income while you're most active? 💶

AVCs, savings, property, or investment accounts can build a bigger pot on top of your pension, spending more early rather than stretching it evenly forever. 📈

04/10/2026

Ever notice your Yorkie's a bit smaller than it used to be? 🍫 That's shrinkflation, same price, less product, and your savings can quietly lose value the same way.

Inflation's running at around 3.5%, but most deposit rates aren't close. One client's €250,000 deposit was earning just 0.2%. 💶📉

There are better options for money sitting idle.

When did you last actually read your pension statement? 🤔Your balance only shows today. The number that matters is your ...
02/10/2026

When did you last actually read your pension statement? 🤔

Your balance only shows today. The number that matters is your projected income at retirement. 💶

Find four things: projected income, tax relief used, your fund choice, and your projected pot against the Standard Fund Threshold. 📊

Rule of thumb: aim for around two-thirds of your salary, with the State Pension (up to €15,560 in 2026) as a base. 💡

One hour, once a year.

01/10/2026

Confused about drawing down your pension? You're not alone, especially at 55+. 🤔

Take a tax-free lump sum, then choose how to draw down the rest.

We've put it all in a simple PDF. 📄

📩Download now: https://share.hsforms.com/1MWVpyfHoRruGyQKNHlvRuQ3enaq

Know someone retiring soon? Share this with them. 📲

Retirement's here and your pension pot needs a plan. Enter the ARF. 🤔An Approved Retirement Fund (ARF) keeps your pensio...
30/09/2026

Retirement's here and your pension pot needs a plan. Enter the ARF. 🤔

An Approved Retirement Fund (ARF) keeps your pension invested after you retire, so you choose how much income to draw while the rest keeps growing and can pass to your estate. 💶

Unlike an annuity, the flexibility is yours, and so is the investment risk. From 61, Revenue sets a minimum yearly withdrawal, taxed as income. 📊

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