Pension Adjustment Order

The services of will be of interest to you if:

  • You are a member of a pension scheme and you are separating or divorcing.
  • You are separating or divorcing, and your partner is a member of a pension scheme.
  • You are a solicitor acting for any of the above.
  • offers a pension consultancy service to couples and/or solicitors where the assets of a pension scheme need to be analyised for inclusion in the negotiation of the division of all assets, (pension and non-pension benefits) where a couple are seeking a legal separation or divorce.

Why use

The process of legal separation or divorce can be difficult.

The area of pensions can complicate the procedure and we offer our services to help understand the benefits to be considered, and how best to divide the pension assets, if that is required.

Harry Crummy


Harry Crummy is the owner and founder of

Harry has been a Pension Consultant for over thirty years and has a wealth of knowledge in relation to pension products / schemes / legislation.

Harry is based in Arklow, Co Wicklow but works in Dublin and other areas of Leinster regularly.

His professional qualifications include:

  • Qualified Financial Advisor (QFA)
  • Masters in Financial Planning (Grad Dip UCD)
  • Certified Financial Planner (CFP™)
  • Specialist Investment Advisor (SIA)
  • Fellow of the Life Insurance Association (FLIA)

EFFICIENT FINANCIAL is part of Efficient Financial, and can also provide advice and guidance in other areas such as:

  • Life assurance arrangements for dependants.
  • Savings or Investments.
  • Estate planning for inheritance or gift tax.
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