Irish Pensions and Finance Reviews 485

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, professionalism, and ability to clearly explain complex financial topics, making the process easy to understand. Many highlight the excellent customer service, noting that advisors are patient, accommodating, and provide tailored advice, leading to a smooth and positive user experience. However, some people were dissatisfied with their mortgage application experience, feeling that their preferences were not adequately considered and that the service did not fully align with their expectations, leading to a perceived waste of time.

What people talk about most

Staff

People report positive experiences with staff, consistently praising their professionalism, knowledge, and... See more

Service

Consumers find service to be positive, with many reviewers highlighting the helpfulness and professionalism... See more

Customer service

Reviewers highlight positive aspects of customer service, praising the helpfulness, clarity, and patience of... See more

User experience

Customers consistently note positive experiences with user experience. Reviewers found the process clear,... See more

Based on these reviews

Rated 5 out of 5 stars

I've had good experiences with IPF across a few different products. Shannon Moran helped me set up an AVC, and then later I went through IPF for my mortgage, with Ryan Flood helping me most recently.... See more

Rated 5 out of 5 stars

Nicole was very helpful and made everything very straight forward. She also reminded me to claim tax back on my income protection payments for last year, which I had forgotten to do! It was very rea... See more

Rated 5 out of 5 stars

When I met one-on-one with Yasmin, she made my pension clear to me for the first time ever! She clearly explained how the AVC works, and the benefits, without being pushy. I then had some follow up co... See more


Company details

  1. Financial Planner
  2. Finance Broker
  3. Financial Consultant
  4. Pension Office

Written by the company

Irish Pensions & Finance was established in 1993 and specialises in the provision of financial advice to Public Sector employees. Over the past 30 years, we have built up a wealth of experience in dealing with employees working in the Public Sector and currently administer over 137 AVC schemes with a combined membership of over 25,000 members. Current schemes include Civil Service, HSE, Voluntary Hospitals, AGSI and Local Authorities. We have a team of over 60 Financial Advisors who work with clients from initial consultation through ongoing servicing and monitoring. Our goal is to guide our clients towards making the right decisions regarding their own financial priorities and concerns. As part of our service, we provide online and in-person information sessions for Public Sector staff. These sessions give staff a breakdown of their superannuation entitlements and the options available to enhance these benefits. Staff are also offered the opportunity to meet a Financial Advisor on a one-to-one basis for an individual financial consultation, free of charge. We specialise in the provision of retirement/ financial planning advice.


Contact info

4.8

Excellent

TrustScore 5 out of 5

485 reviews

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Replied to 50% of negative reviews

Typically replies within 48 hours

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Rated 5 out of 5 stars

1 to 1 consultation

I was contacted about a 1 to 1 follow up, and agreed a time to meet. They were very flexible, as was a bit late joining, and the session was tweaked to make the most of our time, that was really appreciated. Very good, useful and practical information.

December 5, 2025
Unprompted review
Rated 5 out of 5 stars

Pleased with my financial review

I spoke with Ian Garvey about AVCs and finances generally and I found him to be really good. He was knowledgeable, factual and wasn't pushy. I felt confident that the advice he provided was accurate and professional.

October 16, 2025
Unprompted review
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Rated 5 out of 5 stars

Great experience with IPF

I always had difficulty understanding all the jargon around pensions.a couple of years ago through a recommendation from a work colleague i got in touch with Ian Garvey from IPF pensions.all i can say is Ian has to be the most patient person i have ever dealt with.he explains everything simply and clearly.He answers my many emails and calls.I know im in safe hands with Ian.would recommend him to anyone

November 24, 2025
Unprompted review
Rated 4 out of 5 stars

Retirement planning chat

Michelle provided comprehensive information regarding the services I inquired about, including AVC and retirement planning. Her explanations were clear, concise, and factual. I also appreciate the annual updates she provides.

October 1, 2025
Unprompted review
Rated 4 out of 5 stars

Working with Keith Waters.

Working with Keith Waters was very positive. He came across as very knowledgeable in areas of investment and pension needs. He responded in a timely manner when I made contact.

Dates of experience: ongoing since May 2025.

October 16, 2025
Unprompted review
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Rated 5 out of 5 stars

Great Service

I'm retiring shortly and had no idea how i was fixed with regard to my pension. I dealt with Thomas Livingston and in two consults he had me sorted and explained every step. Then he followed up to make sure I was happy with everything. Great service and I would definitely recommend

September 1, 2025
Unprompted review
Rated 5 out of 5 stars

AVC and top up payment

I dealt with Camila Munoz Garcia in relation to current and future options on my current AVC policy. She put together excellent review options going forward plus guided me in respect of a top up of contributions in advance of tax deadline. Total satisfaction and will be back in touch in the new year for a further discussion.

October 28, 2025
Unprompted review
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Rated 5 out of 5 stars

Aaron was very helpful

Aaron was very helpful. His presentation and explanations were clear and I would recommend him for a consultation if you are interested in learning about and getting an AVC.

October 24, 2025
Unprompted review
Rated 5 out of 5 stars

Additional Voluntary Contributions

Took the AVC from Irish Pensions and finance.Cian Moody explained each and
everything clearly.He helped me throughout the process.Overall the dealings was excellent. Thanks

October 23, 2025
Unprompted review
Rated 1 out of 5 stars

Avoid

Avoid. In all honestly I think this company are taking advantage of healthcare workers who may not be as clued in about finances. IPF take a massive cut of your pension contribution, I was quoted an allocation rate of 69% in the first year, other companies quoted me 100% or 99%. Shop elsewhere and you will save significant amounts of money. Other brokers I have dealt with were really shocked at the IPF charges and said they had not seen anything like that in 20 years and thought those days are gone.

November 8, 2025
Unprompted review
Irish Pensions and Finance logo

Reply from Irish Pensions and Finance

Thank you for taking the time to share your feedback. We’re sorry to hear that you came away with this impression of our service.

We’d like to clarify that Irish Pensions & Finance does not charge any consultation fees, and we pride ourselves on being completely transparent with our clients. In fact, we offer the lowest fund management charge available on the market, and our allocation structures are designed to reflect this over the full lifetime of the pension, not just the first year.

We work closely with healthcare professionals across Ireland and always aim to ensure that our clients receive fair, unbiased advice tailored to their needs. We’d be very happy to review your specific quotation and explain how our structure compares over time. Please feel free to contact us directly at info@ipf.ie or on 01 829 8500 so we can discuss this in more detail.

Thank you again for your feedback.

The Irish Pensions & Finance Team

Rated 5 out of 5 stars

I am really appreciative of the service…

I am really appreciative of the service I am receiving from this company. I consult with Jack annually and he has been extremely helpful and responsive to my enquiries and is continually willing to update and discuss my financial enquiries.

September 24, 2025
Unprompted review
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Rated 5 out of 5 stars

Great guidance

Every time I speak with Jeff from Irish Pensions and Finance, I come away feeling great about my pension. I feel I can ask anything and I never feel rushed when making a decision. I'm really happy they are guiding me through my pensions journey.

September 2, 2025
Unprompted review
Rated 5 out of 5 stars

AVC planning

John Kennedy gave a presentation on retirement & AVCs in my workplace. Following on from this I dealt with Killian Dineen. He was extremely helpful with setting up my AVC. He answered all my questions & guided me through the process. I would highly recommend Irish Life.

August 25, 2025
Unprompted review

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