Public Sector Financial Services Donegal

Financial Advice for Public Sector Employees

At Advice First Financial, we understand the unique financial landscape faced by public sector employees. Whether you’re navigating your Superannuation scheme, considering AVCs, or considering salary protection, our team of qualified financial advisors is here to provide clear, unbiased guidance tailored to your needs.

Meet Pascal

Pascal Leads Our Public Sector Services

Pascal has been helping people make informed financial and mortgage decisions for over 30 years. After working with Irish Life and Canada Life, he founded Advice First Financial Services in 2005 with a clear aim: to offer honest, straightforward advice built on trust. Today, Pascal continues to lead the firm with a steady focus on growing the business responsibly and helping more people build financial resilience through personalised advice.

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Advice First Financial Advisors Pascal Curran Donegal News

We have been advising public sector employees for over 30 years, and we have noticed a marked increase in the demand for trusted, unbiased advice, to this end we are delighted to offer a valuable service.

Our goal is to help alleviate your Financial Concerns, things like.

Rising inflation is affecting your family’s budget.
Understanding and optimising your Superannuation pension.
Saving enough to be able to buy your home and move out of renting.
Preparing for unexpected emergencies without depleting your savings.

We want to help you build your financial resilience and help you prepare for your financial future.
So, you will find allot of value information and resources here, I would recommend having a chat with us as well.

For years, we’ve been a trusted partner to public sector employees helping them navigate the complexities of pensions, AVCs, salary protection, and savings. Recently, we’ve seen a significant increase in demand for our public sector services as employees seek dedicated and specialised guidance to make the most of their financial benefits. Pascal’s experience and insights align perfectly with our commitment to delivering top-quality, unbiased advice. Her deep understanding of your benefits will help you gain clarity on the full potential of your Superannuation pension benefits. We offer trusted clear guidance, so you get straightforward unbiased independent advice tailored to your own personal needs.

With Pascal at the helm, we’re excited to further expand our offerings and continue delivering meaningful, tailored financial support to Ireland’s public sector professionals.

Why choose Advice First Financial for Public Sector Financial Services in Donegal?

Our commitment is to unbiased advice. We are not affiliated with any unions or third-party groups, which means our guidance is solely focused on your best interests. We help public sector employees make well informed financial decisions, offering a straightforward approach that takes into account the benefits and options available to you personally in the public sector.

Group of public sector professionals including nurse garda teacher and civil servant with Advice First Financial branding in Donegal

Our Public Sector Financial Services Donegal

Superannuation Scheme Benefits

Your Superannuation scheme provides the foundation for your future financial security, but it can often be complex to navigate. Our advisors clarify your pension entitlements and other scheme benefits, helping you understand how to maximise these resources for long-term stability.

Superannuation Scheme Benefits

Public Sector Additional Voluntary Contributions Donegal

Additional Voluntary Contributions (AVCs)

AVCs are an effective way to boost your retirement income and benefit from tax relief. We provide personalised calculations and recommendations to determine your optimal AVC contributions based on age, earnings, and existing contributions. Whether you’re planning ahead or nearing retirement, our advisors will help you structure AVCs to meet your financial goals.

Additional Voluntary Contributions (AVCs)

Donegal Coins Income Protection with Blue Umbrella

Salary Protection

A stable income is essential, especially when unexpected events occur. With salary protection, you can secure your income against unforeseen circumstances like illness or injury.

Our advisors guide you through the options available, ensuring you have coverage that complements your Superannuation scheme benefits and provides peace of mind.

Salary Protection

savings-and-investments-donegal-retirement-plan-considerations-first-advice-personal-finance-services-co-donegal

Life Cover

If you want to make sure your Family and or Business are financially secure should you die, Personal Life Cover may be right for you.

Life Cover

Calculator,Pen, Miniature House & Money Showing Public Sector Savings and Investment Donegal

Savings & Investments

Most people will have some form of savings in place. Savings can be for a specific purpose, like paying for your children’s education or paying off your mortgage early.

Savings & Investments

Public Sector Mortgages

We are proud to offer a specialised mortgage solution tailored exclusively for public sector employees, recognising the unique commitment and stability that you bring to our communities.

Public Sector Mortgages

Senior's Equity Release

You may have seen the ads on TV (UK channels) where people of a certain age can release equity from their home to help fund their lifestyle in retirement or (as the ads say) re-open the bank of Mum and Dad.

Senior's Equity Release

The Advice First Public Sector Financial Services Donegal difference

Navigating financial decisions in the public sector is often complex, and that’s where our expertise becomes invaluable. At Advice First Financial, we’re dedicated to empowering you with straightforward, unbiased advice. We work in partnership with you, taking a clear, strategic and holistic approach to manage, protect, and grow your financial wellbeing.

Get started today. Check our Public Sector Financial Services in Donegal.

Planning for your future begins with the right advice first. Contact Advice First Financial to speak with one of our experienced advisors about the options available to you as a public sector employee. Whether you’re just starting your career or planning for retirement, we’re here to help you make informed decisions with confidence.

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FAQs on Public Sector Financial Services

What are Public Sector Financial Services offered by Advice First Financial?

Public Sector Financial Services from Advice First Financial are tailored financial solutions designed specifically for public sector employees in Donegal. These services include expert advice on pension planning, salary protection, retirement strategies, savings, and investment options. We help public sector employees navigate their unique financial landscape, ensuring they maximise their benefits and secure their financial future.

Why should I choose Advice First Financial for Public Sector Financial Services in Donegal?

At Advice First Financial, we provide independent, unbiased, and highly personalised advice. We have been working with public sector employees in Donegal for over 30 years, offering specialised guidance for managing pensions, AVCs, salary protection, and long-term savings. Our team’s expertise ensures that you receive the best financial solutions tailored to your needs, without any affiliations to unions or third-party groups.

What services do you provide under Public Sector Financial Services?

Our Public Sector Financial Services include:

Superannuation Scheme advice to optimise your pension benefits.
Additional Voluntary Contributions (AVCs) to boost your retirement savings.
Salary protection to secure your income in case of illness or injury.
Savings and investment advice tailored for long-term goals.
Tailored financial planning for public sector employees at every stage of their career.

These services are specifically designed to meet the needs of those working in the public sector in Donegal.

How can Public Sector Financial Services from Advice First Financial help me plan for retirement?

Our Public Sector Financial Services provide expert retirement planning advice, including maximising your Superannuation scheme and using AVCs to enhance your retirement income. We help you understand how to utilise these benefits for long-term financial security, plan for unexpected expenses, and ensure that you are well-prepared for a comfortable retirement.

How do I get started with Public Sector Financial Services from Advice First Financial in Donegal?

Getting started is easy! Simply reach out to Advice First Financial in Letterkenny and book a consultation with one of our experienced financial advisors. We will assess your unique financial situation and offer expert advice tailored to your needs. Whether you’re starting your career or preparing for retirement, we’re here to guide you every step of the way to ensure you make the most of your financial benefits.

Which Public Sector Employees in Donegal can benefit from Public Sector Financial Services from Advice First Financial?

Advice First Financial offers expert financial services to a wide range of public sector employees in Donegal, including but not limited to:

Civil Servants (local and national government employees)
Teachers and Education Professionals
Health Service Executive (HSE) Employees (doctors, nurses, administrative staff)
An Garda Síochána (Police Force)
Firefighters and Emergency Services Personnel
Local Authority Employees (such as municipal staff and planning departments)
Public Transport Workers (including bus and rail service employees)
Defence Forces (Army, Navy, Air Corps)
Social Welfare and Public Service Staff
Local Government Workers (from Donegal County Council and other local authorities)

No matter your role within the public sector, Advice First Financial provides tailored services to help you manage your pension schemes, salary protection, savings, and investments, ensuring financial security for you and your family.

What our Public Sector Financial Services Donegal clients say

Advice First Financial Services

4.9

Based on 143 reviews

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Pascal and his team are exceptional and provide advice and customer service that is tailored and tested. I would highly recommend his services.

Joanne Sweeney

18:05 04 Dec 25

Great experience with Pascal and Team in exciting financial journey, hat's off to them by understanding different individuals financial needs and then fulfilling accordingly, thanks a mill guys👍

Qasim Ejaz

08:45 01 Oct 25

We couldn't be more grateful to Shauna, Pascal & Aidan at Advice First. As first time buyers, they gave us great advice, assisted us with every step of the mortgage process & provided us with excellent communication throughout. We would definitely recommend Advice First to any first time buyers. Thanks again Shauna, Pascal & Aidan.Ciara and Daryl.

Daryl Sharkey

18:24 31 Aug 25

Hi Ruth,Many Thanks for all your support and advice on my Private Sector Pension and the current HSE Pension planning. You made it so easy to cash in my Private Pension and process all the paperwork. I am really grateful.You are always easy to contact to discuss any issues regarding my financial affairs.I have found you to be most helpful and I have recommended you to many of my colleagues and friends for Financial Advice and Planning.As always, Thank you.Kazem Monfared

Kazem Monfared

10:40 04 Jun 25

Pascal, kate and team at advice first are fantastic to deal with, we wouldn't have got our mortgage without them , highly recommend!!

Edel Muldowney

08:45 30 May 25

Excellent advice from Ruth Waters in relation to my early retirement, I would recommend Ruth if you are planning to retire soon.

Guven Faracli

08:46 28 May 25

Advice First recently helped us to secure our first mortgage. They were so lovely to deal with and extremely efficient. We dealt with Kate and she was always available to happily answer any questions we had. AF made a very stressfull, overwhelming process a lot easier. Would highly recommend them.

Josephine Gallagher

20:32 09 Apr 25

We had a great experience getting our mortgage through Advice First. It was stress-free and the team were always so helpful.

Alice Coghlan

12:08 09 Apr 25

Paschal and the team were a pleasure to deal with. Everything explained clearly and dealt with efficiently. Keep up the good work!

Joe McDonald

11:05 09 Apr 25

I highly recommend Pascal and his team at Advice First Financial Services. We consulted Pascal before our mortgage journey and he advised us on the steps to take to be mortgage ready. All our meetings were via Zoom which was so handy. When it came to applying for the mortgage the team were so efficient and made it very clear what information we needed to provide. They were always available if we had any queries. It definitely took the stress out of the whole process. I would absolutely recommend Advice First for all financial advice.

Karen Cassidy

08:11 09 Apr 25

I got my company pension along with Pascal and the team. Pascal explained everything throughly and made it understandable. The penson was set up quickly and received all documents quickly.. I would highly recommend Advice First Financials for any of your financial needs.

Zara Blaney

16:30 08 Apr 25

Had a consultation with Ruth this morning. She was very knowledgeable, punctual and helpful. All my questions were answered. Very professional company and staff.

Martin E

10:23 08 Apr 25

Kate and Pascal helped us so much at every stage throughout the mortgage journey and even after drawdown making sure everything was running smoothly. They were absolute lifesavers and made every stage so clear and easy to get through. I would highly recommend them! Thanks so much

Sinead Currums

09:38 30 Jan 25

Everyone I encountered at First Advice was accessible and communicated quickly keeping me informed of the mortgage process. I was very glad to have them when there were so many documents to sort and organize. I would recommend them.

Aisling Gilroy

16:59 12 Dec 24

Pascal gave us Genuine and excellent advice tailored to our personal situation. Clear, Concise, and Wise. Would highly recommend this Company.

Maty Alsabti

17:20 02 Jul 24

From our first meeting with Kate over a year ago, to getting the keys to our first house in the past month, Pascal and the entire team at Advice First have been an absolute dream to work with. They really took the stress out of the situation and we're thrilled we had them in our corner from the get go.At all stages we felt well informed as to the options available to us, and it was no issue if we changed our mind about something.The whole process from start to finish was very smooth, with Advice First helping us all the way.Although we've moved from Letterkenny Advice First will be our first stop for all our financial matters into the future. We really could not recommend these guys enough and we look forward to our future dealings.Lorna agus Oisín

Lorna Moloney

13:28 17 Jun 24

Giving 5 stars as I cannot give any more. I honestly can't speak highly enough of Pascal and the team at Advice First. They guided us through our first mortgage, and we would have been lost without them. Pascal has an outstanding way of advising clients, speaks plain English and is a genuine good person too. His team of advisors couldn't be more helpful with any queries we had. I wholeheartedly recommend to anyone that feels they need financial advice to speak to Pascal and his team. You will not regret it and their service is worth every penny. Wishing the team continued success and thank you for everything.

Noel Heavey

12:41 31 May 24

The team were extremely informative. They reduced the stress of going directly to the banks and did all the hard work for us, inc application, insurance etc.. They guided us through absolutely everything and if they received an email regarding our application, we got it immediately.Professional service and great communication.Would recommend Kate, Pascal and all the team

Francis O Brien

14:20 22 May 24

One of my friends suggested Advise First and I found them very trustworthy. Also they are very swift and reliable.Kate and Pascal done a fantastic job in getting our mortgage approved at a short span of time.I keep recommending them to other friends of mine as well.

nithin john

10:13 25 Mar 24

We bought/renovated our home and almost 12 months in, decided we needed a serious review of our finances. I had heard glowing reports about Advice First Financial Services in Letterkenny from a number of family/friends as well as Facebook.I had a real call with Pascal, looking at where are finances are, what we could do in the short as well as longer term to move things around so our money works its best for us.Pascal gave us good tips and advice to take home and discuss as well as future planning for our future family financing needs. We really did need an outside look at our current situation to help us stand back and view our finances in an honest and unbiased way.I would highly recommend Advice First for financial advice as they have set the wheels in motion for us and given us sound financial advice.

amanda doherty

12:52 29 Feb 24

We've been working with Pascal and the team at Advice First on getting 'mortgage ready' and applying for same, and have found the experience to date - brilliant. Pascal is personable, insightful and always enlightens us, making us feel prepared and informed. I used to find the financial journey a complicated one, but Advice First have a way of simplifying the steps and identifying gaps/providing perfect advice!

Marie Shields

10:22 19 Feb 24

5 star service. Pascal was really understanding and professional and gave first class advice.

Sean Mcdonald

10:47 26 Jan 24

Amazing, so helpful, friendly, knowledgeable and informative. He knows his stuff!

Rois0204

15:58 27 Nov 23

Advice First Financial Services.First rate friendly service, would highlyRecommend.

Johnny Tinney

14:38 23 Nov 23

Professional, efficient and dedicated. Made the entire process very easy. Thank you.

Mark Colgan

14:20 27 Sep 23

Pascal and his team have made, and continue to make our mortgage application process easy. They are experts in their field and I have no hesitations in recommending their services to friends and family. Pascal has kept us firmly on track and helped us avoid common pitfuls associated with the mortgage process. An easy 5* rating.

Liam Ward

19:09 20 Jul 23

I have to say the advice we got from Pascal was first class. Also, he came across as being very honest and a trustworthy person with the most pleasant demeanour.

terry crossan

11:56 14 Jul 23

Cannot recommend these guys highly enough. Always on the end of the phone or email, nothing felt like a problem. They made the whole process so much easier and took away all the stress. I'm now officially a homeowner thanks to them!

Caroline Murphy

13:05 06 Jul 23

What can I say , pascal great guy went above an beyond in helping us . Nothing was a bother and explained everything in great detail no question was never to silly to ask .. I couldn't recommend him and his team enough 😃🙌

Georgia Doherty

07:56 28 Jun 23

Having a family friend recommend The Advice First Financial Services Donegal team was not the reason that we chose to go with them for our mortgage application, others had been recommended too. It was the respectful, professional and relaxed way in which my first conversation with the team went. They continued to be helpful, clearly communicating each step of the process and outlining the necessary products one requires in addition to a mortgage. I would highly recommend the team for any financial advice.

DonnaMarie Mc Faul

14:44 26 Jun 23

I recommend Pascal and team. They dealt with everything quick. Any questions, they answered straight away, within reason. Pascal and team were very attentive and made sure we knew what was happening every step of the way. Even now after we got sale agreed, they still reached out if we had any questions/concerns. Thanks for all your help!

Shannon Devlin

20:29 21 Jun 23

Pascal and the team at advice first were great to deal with and provided a first class service. From start to finish they took the pain and stress out of the whole mortgage application and arranged everything from life insurance to house insurance. Without them I'd say we'd still be back and forth with the bank! Thanks Pascal and team on helping get us our home.

Alex O Donnell

10:00 21 Jun 23

Pascal and team were extremely informative and always got back to us in an adequate time frame. They reduced the stress of going straight to the banks for a mortgage as the banks are tricky to deal with. I would recommend advice first to anyone going for a first time mortgage. It definitely took the majority of the stress out of the whole process.

Leanne McGettigan

09:46 21 Jun 23

Great service from start to finished. Guided us through every stage and kept the process moving. Very professional service and great communication. Grateful to Pascal and his team.

Tommy Gallagher

18:42 20 Jun 23

Hi I have always found Pascal to be friendly, helpful and courteous and most important of all gives sound financial advice and life planning.

Barry Kearney

12:42 20 Jun 23

Myself and my husband had the pleasure with dealing with Pascal and the team over the past year as we bought our first home. From the first meeting our minds were put at ease as Pascal explained everything so well. He worked around our busy schedules as we were also wedding planning at the time and really helped take the stress of applying for and obtaining a mortgage. We can’t thank the team enough and highly recommend Advice First for peace of mind.

Orla Patton

14:25 24 Mar 23

Pascal, Tanya and the team were so helpful throughout our mortgage process from the initial meeting to final approval. They were very helpful and friendly. A pleasure to work with.

dana doherty

23:02 13 Feb 23

Paschal is not only an adviser but a good person. He has helped me set up my mortgage 15years ago and he’s still around giving advice. He’s very trustworthy. Thank you Paschal and God bless you for all your good deeds.

M C.A.

19:21 30 Jan 23

Pascal & the team are excellent to deal with - highly recommend

Marie Wilson Burns

16:15 18 Jan 23

Excellent service from Pascal and the team. For a first-time buyer, his mortgage advice and expertise took the hassle out of the entire process. Highly recommend.

Paul Magee

13:54 15 Dec 22

Always happy to help no matter how big or small the question/query is.

Sapphire Capell

21:03 13 Jul 22

Great service

Manus Crampsey

19:36 13 Jul 22

Highly recommend advice first Pascal was so helpful and kind took all the stress and hassle out of the mortgage process! Would 100% recommend to anyone looking for advice!

Toni Donnell

18:34 13 Jul 22

Without Pascal and Advice first we would still be renting. Initial meeting was so clear and great value for money to get you started on your plans. Amazing at simplifying advice when needed and so easy to reach out to and ask as many questions as needed. I cannot thank these guys enough.

Sheena Cavanagh

18:26 13 Jul 22

Very helpful and friendly,

John greer

17:24 13 Jul 22

Highly recommend Pascal for a 1 to 1 consultation.

Mr. G Doherty

11:58 12 Jul 22

Fantastic service and customer care, really friendly helpful staff who help you make informed choices and decisions that are tailored to suit your budget. I would highly reccomend giving them a call for a consultation.

Anne Devine

07:17 12 Jul 22

Pascal and his team are a great help and make dealing with financial issues very straight forward. Everything is put in layman's terms.

Maggie Durning

17:39 09 Jul 22

Highly recommend Pascal and team. They have made our mortgage journey much less confusing and stressful! Getting mortgage approval wouldn't have been possible without their attention to detail and brilliant advice.

Clare Sweeney

20:40 08 Jul 22

Really friendly and helpful in any queries you might have.

Padraig Boyce

20:17 08 Jul 22

I would highly recommend Pascal. He was a great help with getting our mortgage, insurance etc. sorted for our build. With the stress that can be involved in building or a purchase, this is definitely the best money you can spend.

Matthew Havlin

19:25 08 Jul 22

When shopping around for insurance for both income protection and life insurance for my husband and myself I came across advice first, I rang the number got speaking to pascal and from there on every question we had was answered in a way that we understood. Pascal had a wealth of knowledge and expertise in all areas of insurance not only did we feel well informed but we felt confident taking out the most appropriate policies to meet our needs. Thanks pascal, aisling and Ivan Mc Mahon

Aisling Mc Mahon

17:58 08 Jul 22

We have been dealing with Pascal for many years, each time we have been to see him, it was for different problems/issues and each time he has given us the best advice to meet our financial needs. Pascal has always behaved in a professional manner and it is for that reason we would have no problem recommending him to family or friends.

Marie Boyle

17:42 08 Jul 22

I’ve been a customer of Advice First, for a number of years now and have always found them easy to deal with, professional and friendly. Pascal always provides great advice and support.I would highly recommend Advice First to anyone.

Lisa Hannigan

17:23 08 Jul 22

Came back to add some text because honestly these guys deserve the 5 stars! We wanted impartial financial advice to help us get a mortgage and Pascal was amazing. He was there for any questions or to give advice, he handled so much of the paperwork we flew through the process and he helped us sort out insurances! Can't speak highly enough of him, his team and their professionalism!

Dean Curran

10:16 08 Jul 22

I had a 5 star experience with these guys. I went looking for help with a getting mortgage approved, and here I am, in my own home. I was also facing issues with getting mortgage protection, but that was no problem to Advice First! I would recommend anyone starting on their mortgage journey to give these guys a call…you won’t regret it!

Celine Carr

22:24 07 Jul 22

Pascal and the team at Advice First have literally changed my life - I was guided through the whole mortgage process from the very first initial meeting, with positive support and encouragement. Highly recommend Advice First for all financial needs!

Jane Donnellan

07:23 07 Jul 22

Quite simply, I would have given up trying to get a mortgage without Pascal's help. The banks put every obstacle they had in our way, but Pascal smoothed the path for us. We are now happily settled in our own home. Thanks Pascal!!!!! For everything

James Burgess

20:34 06 Jul 22

Recently myself and my other half completed on a property purchase in Donegal...... To clarify, we are based in Northern Ireland, which created a number of different problems, not least of which was Brexit.Of all the avenues we tried (banks, lenders, brokers) Pascal and his team at Advice First were the only ones who listened and then provided what we needed.Over the years I’ve done many property deals, infact, well in to double figures...... but have never seen the level of service that was provided by Advice First!

Golf Events NI

14:51 06 Jul 22

Top notch advice and guidance by Pascal. I can highly recommend!

Thor Seliger

09:13 06 Jul 22

Pascal and the team have been nothing less than fantastic to deal with. Always a pleasure to deal with. Highly recommend their services and always have.

Gavin

20:16 05 Jul 22

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