Informed Decisions Independent Financial Planning & Money Podcast
Episodes
Talking Personal Finance with Brad Barrett – A $5Bn Planning Firm MD #270
22 Aug 2023
Contributed by Lukas
In this week's podcast, Paddy has a fantastic chat with Brad Barret the MD of a $5Bn planning firm. Brad is a Managing Director with One Capital Ma...
Cash Is King? Podcast 269
14 Aug 2023
Contributed by Lukas
Today I share some thoughts on holding cash, some saucy Central Bank of Ireland research on Irish households, and a warning about going all-in! Iri...
5 Challenges to Independent Investment Advice in Ireland #268
31 Jul 2023
Contributed by Lukas
Independent investment advice in Ireland is a rare thing, at least under current Central Bank of Ireland regulations. Currently, only an investment a...
Important Questions About Retirement Planning #267
24 Jul 2023
Contributed by Lukas
If securing a high-quality retirement income is high on your agenda, nailing the answers to the following questions ought to be high on your list of p...
A Look Back at the Popular 'A Listener's Journey' Series #266
17 Jul 2023
Contributed by Lukas
This week we bring back episode one in the popular 'A Listerner's Journey' podcast series with William Lacey. Throughout this series, William talks...
Flashback To a Classic: Lars Kroijer Interview 'Can We Beat the Market' #265
03 Jul 2023
Contributed by Lukas
While Paddy is off enjoying his annual leave we bring you a classic and popular podcast from 2021. Lars is a former hedge fund manager, author, and ...
Inheriting a House in Ireland #264
19 Jun 2023
Contributed by Lukas
Inheriting a house can be a significant financial event. It carries its own set of implications and considerations. From taxes to inheritance thresh...
What We Need From Financial Advisors #263
29 May 2023
Contributed by Lukas
Like any individual in any profession, every Financial Advisor will have different strengths and weaknesses. They each have different skill sets. Non...
Changes in Retirement Planning with Clive Slattery #262
22 May 2023
Contributed by Lukas
This week we have something a little different. We recently hosted a webinar with Pension and Revenue expert Clive Slattery. If you missed the webinar...
Death In Service Pension Benefit #261
15 May 2023
Contributed by Lukas
What happens to my pension benefits if I suffer a death in service? (die while being an employee and a member of the company pension scheme!). On ...
3 Keys To Preparing For A Successful Retirement #260
08 May 2023
Contributed by Lukas
This week we are joined by William Lacey who we followed on his transition to retirement in a series of podcasts. William talks about the lessons he h...
Estate Planning: Should I Bother? #259
24 Apr 2023
Contributed by Lukas
This week I talk about Estate Planning; what to think about and what is important. While it might not be a topic that gets you all revved up, Estate ...
Why Do I Need a Will #258
17 Apr 2023
Contributed by Lukas
Even subconsciously, the question surely pops into most people's heads; "Why Do I Need A Will?" Given that a large percentage of the human race is rel...
Entrepreneur Relief Vs Pension Contributions - Which Is Best? #Our 1st Guest Post# #257
27 Mar 2023
Contributed by Lukas
This week we bring you our first-ever Guest-Post, all about Entrepreneur Relief versus Pension Contributions. I will keep the author a surprise until...
Do You Think You're Ready To Retire? What Are The Signs? #256
13 Mar 2023
Contributed by Lukas
This week I share 12 clear signs it's time to retire from your full-time job. Perhaps it is to start some new professional journey, a new personal jou...
Unregulated Investments Ireland #255
06 Mar 2023
Contributed by Lukas
If you have ever heard of Custom House Capital, Dolphin Trust, or Solar 21, you will know that Unregulated Investments in Ireland are commonplace and...
The Jason Parker Interview #254
27 Feb 2023
Contributed by Lukas
This week Paddy chats with Jason Parker. Jason is the author of Sound Retirement Planning, the host of the Sound Retirement Radio podcast, a frequent ...
Financial Advisor in Ireland - Prostitute, Escort or Spouse?? #253
20 Feb 2023
Contributed by Lukas
Choosing a Financial Advisor in Ireland is not an easy task! There are many different types of advisors, operating in different ways, being remunerate...
The Paul Merriman Interview #252
13 Feb 2023
Contributed by Lukas
In this episode, Paddy has a great chat with Paul Merriman from The Merriman Financial Education Foundation in the USA. The foundation is dedicated to...
Important Pension Changes in Ireland #251
30 Jan 2023
Contributed by Lukas
This week I bring you some facts, no metaphors, no story, just facts about recent and important pension changes in Ireland! Important changes to PRSA...
5 Emotional Stages Of Retirement #250
23 Jan 2023
Contributed by Lukas
I estimate that there are approximately 100 people retiring today, and tomorrow etc. etc. Of these c100 people retiring each day of the week, some are...
3 Investment Lessons To Take From 2022 #249
16 Jan 2023
Contributed by Lukas
2022 was a testing investment year for many. Rather than jump headlong into 2023, let's take a few minutes to reflect and observe what we can learn f...
Escaping Full Time Employment With William Lacey. Part 5 #248
12 Dec 2022
Contributed by Lukas
Welcome back to the latest Informed Decisions podcast: Transitioning from full time employment. This week we have William Lacey back to talk about his...
Best Investments Ireland? #247
05 Dec 2022
Contributed by Lukas
Investing in Ireland can be like staring into a fog at the best of times, until now of course! You have stumbled upon the oracle which will clear tha...
Leaving Employment - What Happens To My Pension #246
28 Nov 2022
Contributed by Lukas
You have decided to make a career change or take a redundancy offer but can't help but ask, 'what happens to my pension benefits?'. When leaving yo...
Retirement Spending Changes To Expect #245
14 Nov 2022
Contributed by Lukas
One of the biggest questions for people who are transitioning from full-time employment is 'how does spending change in retirement?'. It is a difficu...
Investing In The Character Of CEOs With Dan Cooper #244
07 Nov 2022
Contributed by Lukas
In this week's episode, I chat with Dan Cooper, CEO of ROC Investments, about investing in the character of CEOs of large cap companies. What retu...
'Safe' Investment funds in Ireland Are Drowning In The Past Year #243
24 Oct 2022
Contributed by Lukas
'Safe' Investment funds in Ireland are drowning in the past year, much to the surprise of many investors. In this short piece, you will learn: How...
Living a Life Without Regrets with Jordan Grumet #242
17 Oct 2022
Contributed by Lukas
In this week's podcast, Paddy talks to Jordan Grumet, a.k.a. Doc G. Jordan is a Hospice doctor who found a passion for personal finance, public speaki...
8 Common Financial Mistakes To Avoid When You Retire #241
10 Oct 2022
Contributed by Lukas
This week's podcast tackles 8 of the most common financial mistakes retirees make. Be prepared for retirement lifestyle changes Have a plan in ...
A Reminder For Retirees Or Soon To Be Retirees #240
03 Oct 2022
Contributed by Lukas
If you are a soon-to-be-retiree, or an already-retiree, you may well be grasped with fear in times like these. In three short parts, I will outline wh...
Living Your Best Life, With CEO of Lumiant, Santi Burridge Podcast #239
26 Sep 2022
Contributed by Lukas
This week, I'm bringing you an interview with Santi Burridge, who is the CEO of what's going to be a very impactful company, I believe in the world of...
Are we seeing the death of ESG Investments in Ireland? #238
19 Sep 2022
Contributed by Lukas
Are we seeing the death of ESG Investments in Ireland, before they even got off the ground? In this piece, I'm going to share a little bit about wha...
The 6 Most Important Retirement Decision Factors #237
05 Sep 2022
Contributed by Lukas
What is most important when deciding to retire? The road to retirement and the decision to exit full-time employment is an undulating road. It is o...
Investing Your Retirement Lump Sum: Top 3 Considerations #236
29 Aug 2022
Contributed by Lukas
Hello! I hope life is good. This week I'm going to be talking about retirement lump sums and what to do with them. This equally does apply to most lum...
3 Tax & Investing Tips for American RSUs in Ireland #235
22 Aug 2022
Contributed by Lukas
Having clarity around the management of your RSUs in Ireland is critical to successfully avoiding major tax and succession issues in the future. In...
The Final Years of Employment: Preparing For Retirement With Roger Whitney #234
08 Aug 2022
Contributed by Lukas
How are you doing, hope life is good. We have a very enthused, knowledgeable, and contagious personality on the podcast this week. Roger Whitney. He...
Escaping Full Time Employment With William Lacey. Part 4 #233
26 Jul 2022
Contributed by Lukas
Escaping Full Time Employment With William Lacey Part 4 Thank you for joining us for what is our fourth conversation with William Lacey who is in the ...
Things To Do About Bonds & Equities Falling #232
18 Jul 2022
Contributed by Lukas
"My Bonds & my equities are falling in my pension - I must do something"....said almost everyone who has an invested pension or investment. It is the ...
Is It Possible To Beat the Market? What Is Investment Edge? #231
11 Jul 2022
Contributed by Lukas
Lars Kroijer is our guest on today's podcast. Lars is a former hedge fund manager, author, and entrepreneur from Denmark. He talks with Paddy about...
Should You Take 25% Lump Sum From Pension Or Not? #230
04 Jul 2022
Contributed by Lukas
Welcome, dear listeners. This is the second of our from the archives podcast and this is from a Tribe episode that was launched in August 2021. We got...
How To Prepare Your Pension For The Next Big Crash [Is It Coming?] #229
27 Jun 2022
Contributed by Lukas
This episode was originally recorded and published in September 2021 for the Tribe when things, and by things I mean our pension funds and our investm...
Paying Nursing Home Care in Ireland: What You Need To Know #228
20 Jun 2022
Contributed by Lukas
Hello dear listener. As promised we have Niall Tinney, founder, and creator of Elder Care Finance joining us for an interview. Niall is going to ...
4 Smart Ways to Gift to Adult Children! #227
13 Jun 2022
Contributed by Lukas
Many people are dubious about giving a large gift to adult children. If you find yourself having relatively significant amounts of assets, and adult c...
ETFs, Crypto, & Financial Planning With John Swolfs #226
30 May 2022
Contributed by Lukas
Greetings hope life is good. In this week's episode, we are back with another interview. This week we chat with John Swolfs. John is kinda unlike a ...
Have We Enough To Retire? Top 5 Considerations #225
23 May 2022
Contributed by Lukas
One of the biggest concerns for most people as they approach retirement is 'Have we enough to retire?' One of the biggest concerns for most people as ...
Escaping Full-Time Employment William Lacey Part 3 #224
16 May 2022
Contributed by Lukas
Hope you are well, hope all is good. We are back with part 3 of our listener's journey with William Lacey. William has been sharing his journey with u...
Steps To Take In The Years Before Retirement with Fritz Gilbert #223
09 May 2022
Contributed by Lukas
Award-winning Blogger and successful recent retiree Fritz Gilbert shares with us the financial and non-financial aspects of planning and executing a s...
Pension Changes Impacting High Net Worth Individuals #222
25 Apr 2022
Contributed by Lukas
Hello, I hope you are well, I hope you had a fantastic Easter time. We're back at the coalface and loving it. Speaking of coalface, we have today a gu...
Win Without Pitching With Shannyn Lee #221
19 Apr 2022
Contributed by Lukas
Merry Easter dear listener, I hope you're well and I hope you had copious amounts of chocolate or not as the case may be. I'm taking a bit of time out...
Finding the ideal home for retirement decades #220
04 Apr 2022
Contributed by Lukas
One of the big questions that people we work with ask is; 'where will we live and enjoy our retirement decades?'. There is no set of accurate answers ...
Move Company Pension To PRSAs #219
28 Mar 2022
Contributed by Lukas
If you are approaching, or indeed planning for retirement (exit from full-time employment) you may benefit from knowing about a strategy which can be ...
Escaping Full-Time Employment William Lacey Part 2 #218
21 Mar 2022
Contributed by Lukas
Hope you are well, hope all is good. We are back with part 2 of our listener's journey with William Lacey. In the first episode, 214, William and...
Cop Yourself On & Get Financially Prepared For A Seismic Event Of A Non-Topical Variety, with Nick McGowan! #217
14 Mar 2022
Contributed by Lukas
Plan for the worst and hope for the best. Everyone is only talking about one of two things at the moment, either a disease or an invasion. However, th...
Pension Planning For Late-Starters #216
07 Mar 2022
Contributed by Lukas
If you are heading towards retirement with zero pension planning done, this piece might help.
A 30% Market Decline? Keeping Perspective. #215
28 Feb 2022
Contributed by Lukas
"Daddy, the lady at dancing class had toes coming out of her eyes and coming out of her ears!". That's what 4 year-old Emily told me yesterday throug...
Escaping Full-Time Employment - A Listener's Journey #214
14 Feb 2022
Contributed by Lukas
This week we kick-off our podcast series where we share the journey of listener and client William Lacey, as he exits full-time employment. This is a ...
When To Take My Pension? #213
07 Feb 2022
Contributed by Lukas
Aside from deciding to actually accumulate money for your post-work living, the decision about 'when to take my pension benefit' is the biggest financ...
Investing In Later Life #212
31 Jan 2022
Contributed by Lukas
In this weeks' (really) short piece I'm going to share with you a couple of thoughts about investing in later life; for those that may be in the fina...
Can You Trust Your Accountant? #211
24 Jan 2022
Contributed by Lukas
Trust, they say, exists at the intersection of 'Character' and 'Competence'. In this week's piece I'm sharing a short story about a fictional accounta...
Set Thy Purse To Fattening #210
17 Jan 2022
Contributed by Lukas
Financial Independence, when you hear it, often means different things to different people. For some, it's having more money/assets accumulated than ...
2021 Investment Returns & Your Priorities for 2022 #209
10 Jan 2022
Contributed by Lukas
This week I share evidence & facts about investment returns, and also invite you to ask yourself an important question! Our agenda for this first pie...
The Justin King Interview - Transitioning To Retirement #208
13 Dec 2021
Contributed by Lukas
Hi, I'm delighted to share with you a conversation I had recently with UK-based Chartered Financial (&Life) Planner, Justin King. He shares his experi...
The Will Rainey Interview - Kids, Their Money & Their Investing #207
06 Dec 2021
Contributed by Lukas
Hi, It is a sad state of affairs when we have to rely on individual authors and thinkers publishing books and articles, in order to help the youth of ...
Changes To Pensions & No Changes From Active Managers! #206
29 Nov 2021
Contributed by Lukas
This week we share a few nuggets that I hope will offer clarity and assurance on a few key aspects of our investment and pensions planning; -Importan...
Platform Investing in Ireland with David Worrell #205
22 Nov 2021
Contributed by Lukas
This week we bring you the David Worrell Interview - where we discuss all aspects of Investment Platforms in Ireland. David is head of relationship m...
The Robin Powell Interview #204
15 Nov 2021
Contributed by Lukas
Robin Powell is a force within the investing world - on a mission to inform the public and financial advice firms of the facts of investing. I was thr...
ESG Investing in Ireland - Theory Vs Practice #203
08 Nov 2021
Contributed by Lukas
As with most things in Financial Services in Ireland, (Environmental, Social & Governance) ESG Investing in Ireland is one that takes a bit of figuri...
The Biggest Surprises In Retirement - Podcast #202
01 Nov 2021
Contributed by Lukas
This week I share some interesting research and insights on how to prepare for the biggest surprises in Retirement, both financial and non-financial....
Terrible Investment Funds in Ireland & What To Do About It - Podcast 201
25 Oct 2021
Contributed by Lukas
Thanks for coming back to us in this Episode 201! This week I tell you about bad investment funds in Ireland, it promises to be a doozy! I hope it is...
Podcast 200 - with Pete Matthew (The PodFather!)
16 Nov 2020
Contributed by Lukas
It's not ever day that you get to launch your 200th episode - so who better to help us mark this event than Pete Matthew! Pete has been at the vanguar...
'The Next Millionaire Next Door' with Dr. Sarah Fallaw - Podcast 199
09 Nov 2020
Contributed by Lukas
Dr. Sarah Fallaw shares her insights on the following: - Her research of wealth builders all across the US - What works and what doesn't work - How ou...
Investment Trusts in Ireland - Podcast 198
02 Nov 2020
Contributed by Lukas
Investment Trusts have been in vogue for a little while - in no small small part due to the tax treatment of any realised gains. Many investors are he...
The A to Z Of Financial Service Acronyms (TATZOFSA!) - Podcast 197
19 Oct 2020
Contributed by Lukas
Hey! Financial Service firms love their acronyms, as in they love them! Maybe it's an insecurity thing, or maybe it's an attempt to hold onto some sem...
Tax on Investments in Ireland - Podcast 196
05 Oct 2020
Contributed by Lukas
Tax on investments in Ireland is a doozy! There is a warning often quoted in investment articles that suggest "you shouldn't let the tax tail wag the ...
Build Your Wealth with Todd Tressider - Podcast 195
28 Sep 2020
Contributed by Lukas
This week we chat with Todd Tresidder, financial coach and educator at FinancialMentor.com. He's also the author of five financial planning books. You...
Your Financial Life Is One Week Long! Podcast 194
21 Sep 2020
Contributed by Lukas
Something a little different this week - give it a go! If your life was one week long what day of the week would you be on, and what would you do abou...
Opportunity Cost & a conversation with my wife - Podcast 193
14 Sep 2020
Contributed by Lukas
In this episode we share: - Why I get stick about our cars - What Opportunity Cost is & why it matters - How to go after what is really important to y...
Investment Losses Loom Larger Than Gains - Podcast 192
07 Sep 2020
Contributed by Lukas
What's Love Got To Do With It, Baby They suggested that we hate losing something about twice as much as we enjoy gaining something! Think about it ...
Managed Funds don't beat Index Funds, most of the time! Blog 153
31 Aug 2020
Contributed by Lukas
Actively Managed Funds under-perform Passive Index Funds in the majority of cases. Managed funds usually exist in order to beat the market. They gener...
Successful Investing - Buffett Style! Podcast 190
24 Aug 2020
Contributed by Lukas
This week we share a short piece from the Oracle of Omaha, Warren Buffett. We learn about 'Gotrocks Family', how they had it all, and how they managed...
Standard Fund Threshold in Ireland - Podcast 189
03 Aug 2020
Contributed by Lukas
What is the Standard Fund Threshold in Ireland? This week, in what is a short 4 day work week, we share a short 4 minute read that will give you most ...
Certainty or Returns - Pick One. Podcast 188
27 Jul 2020
Contributed by Lukas
This week we share an investing concept that applies to investments and pensions equally. If I successfully and coherently share here what is in my he...
The Big 4 & The Slow Dance - Podcast 187
19 Jul 2020
Contributed by Lukas
If you are lucky, every now and again you will get introduced to someone that opens your eyes, that adds real value to you. I've been fortunate, partl...
Will 2020 Be The Best Year Ever For Irish Investors?! Podcast 186
13 Jul 2020
Contributed by Lukas
Will 2020 Be The Best Year Ever For Irish Investors? We take a look at some of the headline facts of recent performance, to shed some light. We also s...
Retirement Remix with CEO & Author, Chip Munn - Podcast 185
06 Jul 2020
Contributed by Lukas
When Chip offered to appear on the Informed Decisions podcast we jumped at the chance to speak with him. Chip Munn is a senior financial advisor an...
Patricia Rickard Clarke - Safeguarding Ireland - Podcast 184
29 Jun 2020
Contributed by Lukas
Patricia Rickard Clarke has unique experience in preparation for, and planning for future life. Patricia shares her insights on: - Preparing for our f...
How Does An ARF Work & Guardrails -Podcast 183
22 Jun 2020
Contributed by Lukas
Hi, If you are wondering 'how does an ARF work', may I suggest we consider instead the question; 'how should an ARF work'!? Given that your draw-down ...
5 Occasions To Ignore Your Financial Advisor - Podcast 182
15 Jun 2020
Contributed by Lukas
This week I share with you 5 instances where you should seriously question the advice you get from your financial advisor, and some questions to ask t...
How Will You Spend Your Money - Podcast 181
08 Jun 2020
Contributed by Lukas
Dr. Thomas Gilovic has conducted several studies, some spanning decades, which measured the level of satisfaction and joy that people get from experie...
What Happens My Pension When I, You Know?! Podcast 180
25 May 2020
Contributed by Lukas
What happens my pension when I, you know!? I'm never one to shirk the hard questions, but it seems crass to talk of 'you know' while all of 'this' is...
The Dr. Moira Somers Interview - Psychology & Money - Podcast 179
18 May 2020
Contributed by Lukas
In this weeks' Podcast you will hear from someone with some unique insights on the topics we discuss week in and week out. Dr. Moira Somers from Canad...
The Best Investments of 2020 - The Lock-Down Edition! Podcast 178
11 May 2020
Contributed by Lukas
Wondering what the best investments 2020 are?! Or if your investments or pensions are down the pan!? It is indeed one of those 'once every 5 year' sit...
Pension Property, with Tommy Nielsen - Podcast 177
05 May 2020
Contributed by Lukas
This week, as promised in our recent Pros & Cons of Pension Property, we share with you further details of owning a Property within a Pension. We we...
Time For The Financial Advice Profession To Pull Up It's Socks? Podcast 176
27 Apr 2020
Contributed by Lukas
How would you feel if you discovered you were paying double the level of fees on your pension or investment that you were led to believe? 'Clarity On ...
The Paul Kenny Conversation - Podcast 175
20 Apr 2020
Contributed by Lukas
Paddy chats with Ireland's former Pensions Ombudsman, Paul Kenny. Paul remains an active member of the pension profession in Ireland. Among other role...
Buy Property With A Pension - Podcast 174
06 Apr 2020
Contributed by Lukas
Should I buy property with a pension? Ever wonder what the pros and cons are if you did decide to establish a pension property? Is having a pension pr...
The Dawn or Dusk of The Independent Financial Advisor in Ireland? Podcast 173
30 Mar 2020
Contributed by Lukas
1st April 2020 will bring with it the dawn, or the dusk of 'Independent Financial Advice' in Ireland. I really have no clue which way it will go! A...
Are Equities For The Scrap Heap!? Podcast 172
23 Mar 2020
Contributed by Lukas
'Are Equities For The Scrap Heap'? I feel compelled to nail our colours to the mast at the outset. I am always open, and deliberately expose myself to...
What To Do With My Investments and Pensions In A Declining Market? Podcast 171
16 Mar 2020
Contributed by Lukas
What to do with my investments and Pensions in a declining Market? Absolutely Nothing. That is all. Listen-on for a 'slight' elaboration! I hope you a...