Pension Contributions in Ireland: Tax Relief, Age Limits & How to Maximise Every Euro

Pension contributions are one of the most powerful tools available to Irish workers for reducing their tax bill — yet the majority of people contribute far less than they’re entitled to and end up paying more tax than necessary. In 2026, with the Standard Fund Threshold rising to €2.2 million and age-related limits offering up […]

How to Invest Your Pension at 50: A Smart Strategy Guide

Turning 50 is a natural moment to stop and take stock of your retirement savings. You’re likely earning more than you were in your 30s, the mortgage may be shrinking, and retirement has gone from a distant idea to something you can actually picture. It’s also, for many people in Ireland, the first time they […]

Income Protection in Ireland: What It Is and Who Needs It

Income Protection

Your income is your most valuable asset. It funds your mortgage, covers daily expenses, supports your family, and drives your long-term financial plans. But what would happen if a serious illness or injury prevented you from working for months , or even years? Income protection is one of the most important yet most overlooked areas […]

How a Certified Financial Planner in Ireland Can Help You

Certified Financial Planner

If you’ve ever felt overwhelmed by pensions, tax planning, or long-term savings, you’re not alone. A certified financial planner Ireland can cut through the confusion and help you build a plan that actually works for your life. At Money Sense Financial Services, based in Killarney, Kerry, our team has been helping families and individuals across […]

Pension Contributions in Ireland: What You Need to Know

Pension Contributions

Planning for retirement can feel distant , until it isn’t. The sooner you start making meaningful pension contributions Ireland, the more time compound growth has to work in your favour. At Money Sense Financial Services, we help clients across Kerry and Ireland understand their pension options, maximise their contributions, and plan confidently for the retirement […]

Over €500 Million in Pensions Are Unclaimed in Ireland – Is One of Them Yours?

previous-pension-advice-money-sense

If you’ve worked for more than one employer in Ireland, you almost certainly have a previous pension attached to at least one of those jobs, whether or not you remember opting in. Under Irish pension law, once you’ve completed a qualifying vesting period (usually two years of scheme membership), the pension entitlement belongs to you […]

10 Questions to Ask Before You Hire a Financial Advisor in Ireland

financial-advisor-ireland-money-sense

A financial advisor in Ireland is a Central Bank of Ireland-authorised professional who helps individuals, families and businesses plan pensions, protection, mortgages, investments, inheritance tax and long-term wealth. To choose the right one, verify four things before you sign anything: (1) they are authorised by the Central Bank of Ireland (search the public register at […]

How to Consolidate Your Pension Pots in Ireland

If you’ve changed jobs over the years, you may have accumulated several different pension pots , and most people have no idea how much they’re worth, where they’re held, or what they’re being charged in fees. Pension consolidation is one of the smartest financial moves an Irish worker can make, yet it’s also one of […]

Inheritance Tax in Ireland 2026: How to Protect Your Family’s Wealth

Inheritance tax in Ireland, formally known as Capital Acquisitions Tax (CAT), is one of the most misunderstood and underplanned aspects of personal finance. Every year, Irish families are caught off-guard by a significant tax bill following the death of a loved one, simply because no one had put proper estate planning in place. At Money […]

Mernie joined Money Sense as a Director in 2008 and works in the area of administration and compliance.

Mernie is an Economics and French graduate from UCC.

Mernie also has a postgraduate diploma in Computing and has previously worked in the IT industry for a number of years.

Mernie’s IT experience and business acumen are invaluable in organising and managing the office and maintaining strict compliance requirements.

Mobile: 087 8364150

John is a Qualified Financial Advisor (QFA) who has over 40 years of experience working in the Financial Services Industry.

Having previously worked in the Banking Sector for 28 years, John has acquired significant knowledge and experience in all areas of financial planning and advice.

Establishing Money Sense Financial Services has enabled John to use his extensive experience in providing impartial and sound judgement in the pursuit of better Client solutions in the open marketplace.

John is extremely passionate and committed to his work and prides himself on a positive ‘can do’ attitude. He is very dependable and will do everything in his power to assist customers achieve their financial goals.

In his spare time, John is a staunch GAA enthusiast, being currently involved with Dr. Crokes GAA Club as Manager of their Senior Hurling Team.

Originally from Newtownshandrum, John is a proud Cork man but has settled well in his adopted County and is doing everything in his power to promote the small ball game in Kerry.

John is also a member of Killarney Golf Club with a respectable handicap. John gives 100% in every project he undertakes and exudes positive energy and enthusiasm which can be infectious.