Irish Pensions & Finance

What Irish Pensions & Finance does

Irish Pensions & Finance (IPF) is an Ireland-based financial advisory firm, founded in 1993 and headquartered in Clonee, Co. Meath, that specializes exclusively in financial planning for public sector employees. The firm serves four primary segments — HSE and voluntary hospital healthcare workers, Civil Servants, County Council employees, and An Garda Síochána members — through a defined portfolio of advisory services including Financial Planning, Retirement Glidepath, Pensions/AVCs, Savings & Investments, and lifecycle modules (Starting Out, Smarter Choices, Retire Successfully), supplemented by insurance products (Income Protection, Life Cover) and the 2025-launched bundled Family Protect product underwritten with Aviva. With 90-100 staff, 33,000+ policyholders, €1B+ in client funds under management, and 6,000+ completed retirements, IPF operates as a regulated insurance intermediary under the Central Bank of Ireland and complies with the Consumer Protection Code and SFDR (EU 2019/2088).

The business model is commission- and fee-based advisory revenue generated through direct sales-led distribution: qualified financial advisors deliver personalized consultations via phone, video, and in-person channels, supported by employer partnerships with public sector bodies and word-of-mouth referrals from the existing client base. Pricing is not publicly disclosed; quotes are tailored per client and annual reviews are bundled into ongoing service. Distribution is single-country (Republic of Ireland only), with explicit geographic exclusions for the United States, Hong Kong, and Singapore, and the company carries no app, no disclosed API or integrations, and no proprietary technology stack beyond standard financial planning tooling.

Name

Irish Pensions & Finance

Legal name

IPF Irish Pensions and Finance Ltd

Website

https://ipf.ie

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance Distribution for Public Sector Employees

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Public sector pensions
• Financial advisory services
• Retirement planning
• Income protection insurance
• Life cover products

Headquarters

HQ city

Clonee

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Financial Advisory Services: IPF earns commission and fees from advising public sector employees on pensions, investments, and insurance products. The company works with multiple product providers including Aviva for insurance products.
2. Insurance Products: Revenue from income protection, life cover, and family protection insurance products offered in partnership with Aviva and other providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Irish Pensions & Finance provides personalized financial planning, pension advisory (including AVCs), retirement planning through its Retirement Glidepath service, and savings & investment advice to public sector employees in Ireland. The firm also distributes insurance products — Income Protection, Life Cover, and the bundled Family Protect package (in association with Aviva) — sourced from multiple providers. Advisory services are delivered by qualified financial advisors via phone, video, and in-person consultations, supported by annual reviews.

Product overview

Irish Pensions & Finance offers a comprehensive financial advisory and insurance product portfolio for public sector employees in Ireland. The core offering consists of personalized financial planning services, with specialized advice for HSE staff, Civil Servants, County Councils, and An Garda Síochána. The product suite includes retirement planning through the Retirement Glidepath service and pension management (including AVCs), complemented by insurance products: Income Protection (providing up to 75% income replacement), Life Cover (term life, whole of life, mortgage protection, and serious illness options), and the bundled Family Protect package (in association with Aviva) combining income protection, life cover, and serious illness cover. Additional modules include Savings & Investments (with access to multiple providers, including ethical/sustainable options), and lifecycle-based advisory services (Starting Out, Smarter Choices, Retire Successfully). The portfolio is distributed through direct advisor relationships with annual review consultations.

Differentiator

Problem solved

Functional benefit

Brands

• IPF Family Protect: A combined protection plan offering income protection, life cover, and serious illness cover in association with Aviva.

Products and services

• Financial Planning Personalized financial advisory service for public sector employees (HSE staff, civil servants, county council workers, An Garda Síochána members) covering pensions, savings, investments, and retirement planning, delivered by qualified financial advisors.
• Retirement Glidepath Structured retirement planning service guiding public sector clients through the retirement process with advisor support, including a related Taxation In Retirement advisory module, to help maximize retirement benefits.
• Pensions (AVCs) Pension planning and management service including Additional Voluntary Contributions (AVCs) to help public sector employees optimize retirement savings.
• Savings & Investments Savings plans and investment strategies including regular savings plans, lump sum investments, investment bonds, and ethical/sustainable investment options, with access to multiple product providers.
• Income Protection Insurance policy providing up to 75% of income replacement if the policyholder cannot work due to illness or injury, with tax relief on premiums and flexible deferred periods.
• Life Cover Life insurance providing a lump sum payment to beneficiaries upon death during the policy term, including term life, whole of life, mortgage protection, and serious illness cover options.
• Family Protect Combined protection package offered in partnership with Aviva, bundling Income Protection, Life Cover and Serious Illness cover in one affordable plan.

Quantifiable outcome

• Trusted by over 33,000 public sector employees
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• AvivacoreTechnology or IntegrationIPF Family Protect is offered 'in association with Aviva' for insurance products including income protection, life cover, and serious illness protection. Aviva Life & Pensions Ireland provides the underlying insurance products while IPF provides the advisory and distribution services. The partnership enables IPF to offer comprehensive protection products to public sector clients.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Irish Life: One of Ireland's largest life and pensions providers with a substantial financial advisor distribution arm. Overlaps with IPF in pension and protection advice for the same Irish customer base but serves a far broader (not public-sector-exclusive) market.
• Aviva Life & Pensions Ireland: IPF's strategic insurance partner and also a direct competitor selling pensions and protection through its own advisory and direct channels. Compares on product set, brand, and regulatory footprint though much larger scale.
• Zurich Life Ireland: Large multinational life insurer operating in Ireland with pensions, investments, and protection products distributed via brokers and advisors. Comparable to IPF in retirement and protection product mix; differs in pan-Ireland scale and broader customer base.

Direct peers

• Newcourt Retirement Fund Managers: Irish specialist in retirement and group pension scheme administration, serving employers and employees with pension advisory. Highly comparable to IPF in targeting public/private employer schemes and pension-decumulation advice.
• BCP Asset Management: Irish wealth and investment advisory firm providing portfolio management and pension/investment advice to individuals and professionals. Directly comparable to IPF's pension and savings & investments offering for an Irish client base.
• Peninsula Wealth Management: Independent Irish financial advisory and wealth management firm offering retirement planning, investments, and protection. Operates a similarly advisor-led, fee-and-commission model targeting Irish individuals.
• Acorn Life: Irish life insurance and pensions provider offering term life, mortgage protection, and pension plans through brokers in Ireland. Closely comparable to IPF on protection and pension product positioning with overlapping distribution partners.

Emerging players

• Moneycube: Irish fintech / online advisory platform providing pensions, investments, and savings advice to Irish consumers via a digital interface. Comparable in core offering but contrasts with IPF on a digital-first delivery model and lower-cost positioning.

Regional players

• Hargreaves Lansdown Ireland (via Broadstone): UK-headquartered investment platform that, through acquisitions such as Broadstone, has built UK and Irish corporate pension and investment-advisory operations. Comparable in retirement and investment advisory but operates primarily in the UK with Ireland as an adjacent market.
• Brewin Dolphin (now part of RBC Wealth Management): UK wealth manager with a strong individual financial planning and retirement advice franchise targeting professionals and public-sector-adjacent clients. Highly comparable to IPF on advisor-led retirement planning, though much larger and UK-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Irish Pensions & Finance