Nomadic Employees, Welcome to Advice First Financial

Helps provide financial security in retirement

Nomadic’s Contribution.

• 6% of salary, after 12 months employment
• From Jan 2026: If you are aged 23 and over, Nomadic will pay 2% of your salary for the first 12 months of employment, this will increase to 6% after 12 months. You will also be required to pay 1.5% of your gross salary to the pension scheme on commencement of employment.
• If you are under 23 years of age, the company will pay 6% of your salary once you have completed 12 months of service and reach 21 years of age

We recommend building on Nomadic’s generous contributions by making additional payments yourself through an Additional Voluntary Contribution plan, (AVC).

After all, this is your retirement you’re shaping — your financial future you’re securing.

Speck with us today for more.

Financially protects your family if you die

• A lump sum death in service benefit of 4 x basic annual salary is payable.
• Cover continues to age 65, if still in employment

Please Note

• Eligibility, from your start date

Financial protection when you’re not able to work

• Disability benefit level is 2/3^rd of salary less the state disability benefit.
• Nomadic’s pension contributions (if applicable) are also insured.
• The benefit escalates in payment by 3% subject to max of CPI.
• To age is 65, if still in employment
• Deferral Period: 26 Weeks

• Employees are entitled to 5 days of paid sick leave per year at 70% of your usual daily earnings, up to a maximum of €110 per day.​
• You must have at least 13 weeks of continuous service with your employer and provide a medical certificate.​
• These 5 days can be taken all at once or broken up across separate occasions in the year

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From Jan 2026: If you are aged 23 and over, Nomadic pay 2% of your salary for the first 12 months of employment, this will increase to 6% after 12 months. You will also be required to pay 1.5% of your gross salary to the pension scheme on commencement of employment.
If you are under 23 years of age, the company will pay 6% of your salary once you have completed 12 months of service and reach 21 years of age

Nomadic Foods Ltd contribute 6% of your salary each year on your behalf depending on the terms of your contract of employment.
From Jan 2026: If you are aged 23 and over, Nomadic pay 2% of your salary for the first 12 months of employment, this will increase to 6% after 12 months. You will also be required to pay 1.5% of your gross salary to the pension scheme on commencement of employment.
If you are under 23 years of age, the company will pay 6% of your salary once you have completed 12 months of service and reach 21 years of age

Your retirement benefits under the Nomadic Pension Plan are in addition to any entitlement you may have under the State contributory old age pension (or other similar contributory benefits payable under social insurance).

You can and in most cases should pay additional voluntary contributions (AVC) to the Plan to build a bigger pot, which will in turn provide increased benefits in retirement. You will receive full tax relief on your pension contributions up to revenue maximum limit for your age. See below table

Maximum personal contributions for tax relief

You are entitled to a tax-free lump sum.
The maximum tax-free amount can be calculation as:

• Based on your salary and service:
  Max tax-free amount using this calculation is 1.5 times salary (with 20 years’ service), with less than 20 years’ service the max tax-free amount allowable might be lower than 1.5 times salary.

Or

• 25% of your pension fund

What you are allowed to do with the balance of your pension fund after taking the tax-free amount is dedicated by which option you have chosen above.

• If you have chosen the Salary & Service tax-free amount you must:
1. Buy an annuity with the balance. This is a guaranteed income for life. For more on Annuities click here
• If you have chosen to take 25% of your pension fund as a tax-free amount, then you can:
1. Buy an annuity as above or
2. Invest the balance in an Approved Retirement Fund (ARF). For more info on ARF’s click here

This is a very important decision; there are pro’s & con’s of both options. We recommend discussing these options with your Advice First advisor before making your decision.

If you are a member of the scheme

• A lump sum death in service benefit of 4 x basic annual salary is payable
• Cover is up to age 65.

This is funded by Nomadic.

If you are a member of the service.

Disability benefit level is 2/3^rd of salary less the state disability offset.  Nomadic’s pension contributions (if applicable) are also insured.  The benefit increases annually, if in payment, by 3% subject to max of CPI.
Cover is to age 65
Deferral Period: 26 Weeks

Deferral Period is the waiting time that must pass after being unable to work due to illness or injury before the disability payments begin. 

The value of your pension pot (your contributions (if any) + employer’s + investment growth) becomes part of your estate.
It’s usually paid as a lump sum to your nominated beneficiaries or estate.

You can nominate a beneficiary—if you don’t the trustees decide based on your estate or dependants.
The lump sum is typically not subject to income tax, but inheritance tax (CAT) may apply depending on who inherits it.

Contact your employer’s HR department or Advice First Financial
Ask for a “Nomination of Beneficiary” or “Expression of Wishes” form.
You list the person(s) you’d like to receive your pension and death benefits (e.g. spouse, partner, children, estate, charity).
You can split percentages among multiple beneficiaries (e.g. 60% spouse, 40% children).

Important:
The trustees are not legally bound by your nomination, but they almost always follow it unless there’s a legal reason not to.
You can update it anytime — recommended after marriage, divorce, or major life changes.