Starting Out

Building your financial future, together

Lady with a dog

Starting out in your career is an exciting time, and managing your finances wisely from the beginning can set you up for long-term success.

Financial Planning In The Early Stages Of Your Career

Set Financial Goals

Define your short, medium and long-term goals, giving you a clear target to work towards and keep you motivated.

Get To Know Your Main Scheme Benefits

Find out what benefits are available to you as a public sector employee, both now and in the future.

Start Saving For Retirement


Making small contributions to your pension savings at an early stage can relieve financial pressure in the future while making the most of tax reliefs available.

Build an
Emergency Fund


Saving at least 3-6 months’ worth of expenses in an easily accessible account can help cover unexpected costs and provide a financial cushion.

Our Services

One-to-One Consultations


Book a financial planning meeting (virtual or in-person) with one of our qualified advisors.

Access to Group AVC schemes

We can guide you through how the scheme works, the process for joining and the tax relief available.

Ongoing service
and reviews


As an IPF client, you can gain access to regular updates and reviews of your retirement plan.

IPF Service Centre


Our clients can call and have their queries and questions dealt with by a Qualified Financial Advisor with expertise in the public sector superannuation scheme.

Hear what some of our clients have to say about their experience

“I had a review with Alison Dunne for my AVC’s. I am not great with all things financial, and Alison is always so patient with me and explains everything clearly in simple terms for me to understand. She is always there when I need her to ask any questions.”

Lesley Murphy


Public Appointments Service
WHY IPF?

We give clear, straightforward financial advice, tailored to you.

30+Years working with public sector staff



28k+Current policyholders



90+Staff members



€1bn+In funds under management

Ready to have a conversation?

Starting Out

By clicking Submit you consent to Irish Pensions & Finance collecting and processing your personal data for the purpose of making contact with you in relation to financial advice. Our privacy statement can be found at the bottom of the page.

Alternatively, you can contact us by phone or email.