Our Services
Helping You Plan Today to Protect Tomorrow
At Optima Financial, we make financial planning simple and personal. Our tailored services give you the clarity and confidence to plan, protect, and grow your future with peace of mind.
Fully regulated & compliant
Your financial journey is unique — and we’re here to help you navigate it with confidence.
Why It Matters
The State Pension alone may not be enough to fund the lifestyle you want in retirement. With the right plan in place, you can look forward to a future of choice, control, and security.
Pension Planning
Plan Today. Enjoy Tomorrow
Our Pension Services
- Starting a Pension
The earlier you start, the more you benefit. We’ll help employees, self-employed individuals, and business owners set up a pension that fits their needs and budget. - Reviewing Existing Pensions
If you have pensions from past jobs, we’ll review and consolidate them where appropriate — ensuring your money is working as hard as it should. - Maximising Tax Relief
Pension contributions attract valuable tax reliefs. We’ll make sure you’re getting the maximum benefit so your savings grow faster. - Retirement Options
When it’s time to retire, you’ll need to decide how to access your pension. We’ll explain your choices — from tax free lump sums to annuities and ARFs (Approved Retirement Funds) — in plain English. - Company Pensions
For employers, we design workplace pension schemes that attract and retain staff while meeting all compliance requirements.
How We Can Help
At Optima Financial, we guide both employees and employers through the changes:
- Explaining how auto-enrolment works for you
- Comparing AE with other pension options
- Helping businesses remain compliant while supporting staff
- Building long-term strategies that go beyond auto-enrolment
Auto-Enrolment
The Future of Retirement Saving
Why Is It Being Introduced?
Over 800,000 workers currently have no private pension. Auto-enrolment will:
- Encourage more people to save for retirement
- Reduce reliance on the State Pension
- Ensure workers are better prepared for the future
Who Will Be Enrolled?
- Employees aged 23–60
- Earning over €20,000 annually
- Not already in a workplace pension scheme
Auto-Enrolment vs. Company Pensions
- Flexibility – company pensions allow AVCs (extra top-ups); AE does not.
- Fund Choice – wide choice in company pensions; limited choice in AE.
- Access Age – AE benefits only available at 66; company pensions often allow earlier access.
- Tax Relief – higher-rate taxpayers usually do better under traditional pensions than AE.
View Contribution Rates
Contributions will build gradually over 10 years:
| Years | Employee | Employer | State Top-Up | Total |
| 1–3 | 1.5% | 1.5% | 0.5% | 3.5% |
| 4–6 | 3% | 3% | 1% | 7% |
| 7–9 | 4.5% | 4.5% | 1.5% | 10.5% |
| 10+ | 6% | 6% | 2% | 14% |
Why It Matters
Protection isn’t just about policies — it’s about peace of mind. With the right plan in place, you can face the future knowing your family and business are secure.
Protection
Protect What Matters Most
Life can be unpredictable – but your financial security doesn’t have to be. We’ll help you put the right cover in place so that your family, your income, and your business are protected against life’s uncertainties.
Our Protection Services
- Life Assurance
Provides a tax free lump sum to your loved ones if you pass away — giving them financial stability when they need it most. - Serious Illness Cover
Offers a tax-free lump sum if you’re diagnosed with a specified serious illness, giving you financial breathing space during recovery. - Income Protection
Ensures you continue to receive a regular income if you can’t work due to illness or injury — so your lifestyle and commitments are secure. - Business Protection
Safeguards your business with solutions such as:- Key Person Cover – protect against the loss of a vital employee.
- Shareholder/Partnership Protection – ensure a smooth transfer of ownership.
- Loan Protection – protect against outstanding business debts.
- Estate Planning
Protects your assets and ensures your wealth is passed on tax-efficiently and in line with your wishes. - Mortgage Protection
Your home is likely your biggest financial commitment. Mortgage protection ensures your mortgage is cleared if you pass away during the term of the loan, giving your family security and peace of mind.
Why Choose Optima for Investing?
Because we’re independent, we recommend the right solutions for you, not for a provider. That means you get a strategy that’s personal, flexible, and designed to deliver results.
Savings & Investments
Grow Your Wealth with Confidence
Whether you’re building a nest egg, saving for a life event, or investing for the long term, we’ll help you make your money work harder — without taking on unnecessary risk.
Our Savings & Investment Services
- Regular Savings Plans
Structured savings designed for long-term goals such as weddings, property purchases, or children’s futures. - Children’s Education Savings
Plan ahead for one of life’s biggest expenses — school and college fees — with smart, tax-efficient strategies. - Tax Lump Sum Investments
If you’ve built up savings, received a bonus, or inherited money, we’ll advise on the best way to invest it securely and profitably. - Diversified Investment Portfolios
Access a wide choice of professionally managed funds tailored to your risk profile and goals — from cautious to growth-focused strategies. - Tax-Efficient Investing
Investment returns matter — but so does what you keep. We structure investments to make the most of tax efficiencies. - Ongoing Reviews
Markets change and so does life. We regularly review your investments to keep you on track for success.
Get In Touch
We recommend the right solutions for you, not for a provider. That means you get a strategy that’s personal, flexible, and designed to deliver results.
