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PODCAST

Informed Decisions Independent Financial Planning & Money Podcast

Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)

Take control of your financial future by joining us on Ireland"s Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA). Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement planning. Paddy Delaney QFA RPA APA

business investing

All Episodes

24:06

Pension Lifestyling - A Blessing or a Curse For...

Informed Decisions Independent Financial Planning &... ·

2024/02/12

Pension Lifestyling in Ireland is rampant. By my reckoning, the vast majority of people with pensions are invested in insurance company pension schemes using 'Pension Lifestyling'. This week I explore if that is a prudent approach for you as a pension holder on the cusp of retirement, or a useless sales tool that you should avoid like the plague. I hope it helps.

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01:00:50

Anne Lester Your Best Financial Life: Save Smart Now...

Informed Decisions Independent Financial Planning &... ·

2024/01/29

In this week's podcast Paddy has a fantastic chat with Anne Lester. Anne Lester is a retirement expert, author, media commentator, top-rated speaker and former Head of Retirement Solutions for JPMorgan Asset Management, where she worked almost 30 years. In 2020, Anne was recognized for her extraordinary lifetime contributions to Americans’ economic security with the prestigious Ray Lillywhite Award. Anne, like Paddy is on a mission, her mission is to help rising leaders to retire on their time

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15:51

Simplicity is The Ultimate Complexity #286

Informed Decisions Independent Financial Planning &... ·

2024/01/22

Something a little different, and a lot shorter this week. Far too often, when a prospective client asks me to run the rule over their financial affairs, I see complexity and sophistication, and resultant negative outcomes. It is not their fault, it is the fault of 'experts' plying their 'sophisticated' trade. I hope it helps.

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16:15

Best Investments of 2022 and 2023 in Ireland #285

Informed Decisions Independent Financial Planning &... ·

2024/01/15

On this week’s podcast, Paddy talks about which investments of the past few years in Ireland were the best. He will analyse two very different investment approaches; one a middle of the road insurance company approach, the other an aggressive multi-national fund manager approach. And before delving in, consider what you believe the meaning of 'best investment' is!? Depending on your perspective it could be any of the following; Least volatile Lowest cost Most transparent Highest returns

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15:40

Retirement Planning For Business Owners in Ireland #284

Informed Decisions Independent Financial Planning &... ·

2023/12/18

In this week's podcast, we talk about retirement planning strategies for business owners in Ireland. Retirement marks a significant milestone in life. And I believe it fair to say that it is especially so for many business owners, who have often spent years nurturing their beloved businesses! In Ireland, effective retirement planning is crucial, not just for ensuring a comfortable retirement but also for optimising tax liabilities. The main reason I am choosing this short topic this week is because

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18:44

Auto Enrolment Pensions In Ireland # 283

Informed Decisions Independent Financial Planning &... ·

2023/12/11

In this week's podcast, we talk about Auto-Enrolment Pensions. In the second half of 2024, Ireland is hoping to introduce Auto-Enrolment Pensions. Many people will have heard whispers, and some may be fully aware of it. However, for many employers, there is a bit of concern as to exactly what they may or may not need to do about it all! Let’s take a quick look. To register for this free webinar CLICK HERE to book your spot.

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35:51

Tax Pitfalls To Avoid with Christine Kearney CTA #282

Informed Decisions Independent Financial Planning &... ·

2023/12/06

In this week's podcast, we chat with Christine Kearney CTA from VengaPeople. Christine offers tax and business advice to people living in Ireland and Irish people living abroad. Key topics Business exit and expansion planning Estate planning Residency planning I hope it helps. Shoe Dog: A Memoir by the Creator of Nike Christine Kearney

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23:26

Gifting 2m Tax Free To Family in Ireland #281

Informed Decisions Independent Financial Planning &... ·

2023/11/27

Gifting €2m to your family tax free. At first glance, this seems impossible and/or undesirable but with smart planning it is possible to avoid all tax burdens on such a gift, legally and legitimately. In Ireland, the tax landscape, especially concerning wealth transfer, can be a bit like navigating a maze. The culprit? Capital Acquisitions Tax (CAT), with a hefty 33% rate for gifts and inheritances. This is what we are now conditioned to, but it is frustrating when you see that in the USA for

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15:09

20 Investment Tips For Irish Investors To Navigate #280

Informed Decisions Independent Financial Planning &... ·

2023/11/20

I recently came across a wonderful infographic showing 20 mistakes that investors make, and which they should try to avoid. It reminded me that sometimes we in the investing world talk down to retail investors, many of whom are way smarter than those actually in the investment world! It also reminded me of a parenting tip I got once. That was to always encourage a child to do something in a certain way, as opposed to telling them what not to do! So, instead of saying 'Don't bloody drop that glass',

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19:52

Severance Payments and Taxes in Ireland #279

Informed Decisions Independent Financial Planning &... ·

2023/11/06

When it comes to leaving a PAYE job or winding-up your own company, there are various types of payments you might receive, or give yourself! But what about the tax implications of these payments? In Ireland, the tax treatment of payments on cessation of employment can seem like pie in the sky for many people – I'm here to clear the air for you! I hope it helps.

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20:37

ARF Incomes and PRSI Considerations #278

Informed Decisions Independent Financial Planning &... ·

2023/10/23

In this week's podcast, we talk about how taxation of ARF and your Tax works in Ireland. We will put to bed the question of how much tax you pay when you reach retirement and draw State and Private pension incomes. We'll talk about how tax of ARFs works when you make withdrawals and for inheritance and how PRSI works when it comes to an ARF. Hope you find it helpful.

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43:15

The Intersection Of AI and Investing with CEO Ravi...

Informed Decisions Independent Financial Planning &... ·

2023/10/16

Today we have a very interesting and unique chat with Ravi Koka, CEO and found of StockSnips. Paddy talks with Ravi about how AI is affecting our world and also how it affects the investing and wealth management world. Hope you find it helpful and would love to hear your thoughts! The Man Who Solved the Market: How Jim Simons Launched the Quant Revolution by Gregory Zuckerman | Goodreads StockSnips

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13:05

Money Market Funds - Real or Unreal #276

Informed Decisions Independent Financial Planning &... ·

2023/10/09

Only last week I talked about Money Market Funds in Ireland and how they should and should not be used by businesses to generate some returns on their liquid cash. But I want to explore whether Money Market Funds in Ireland are a real and valuable investment vehicle that everyone should consider, or if they are purely a sales tool used by financial advice firms to get money in the door!? I hope it helps!

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29:43

Money Market Funds For Business Cash #275

Informed Decisions Independent Financial Planning &... ·

2023/10/02

In this week's podcast, we embark on an oceanic exploration of a topic of paramount significance to every discerning business owner, whether or not to use Money Market Funds for Company cash! Indeed, this topic can and will apply to business owners and non-business owners alike, it's just that business owners are usually more concerned about having large amount of money sitting in cash! I hope it helps!

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54:15

Property Pensions & PRSAs with Glenn Gaughran #274

Informed Decisions Independent Financial Planning &... ·

2023/09/25

In this week's podcast, we talk to Glenn Gaughran, Head of Business Development & Marketing at Independent Trustee Company (ITC), about PRSAs and Pension Property. With big changes in 2023 to PRSAs, Glenn tells us some great nuggets about what opportunities are available to those who have or wish to set up a PRSA. Key points: What are Trustees PRSA 2023 changes Who can benefit from PRSA changes Master Trusts Property in pensions I hope it helps!

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25:02

The 5 Trends In Progressive Financial Advice #273

Informed Decisions Independent Financial Planning &... ·

2023/09/18

I was fortunate to attend FutureProof last week, the world's biggest Wealth Management and Financial Advice conference, attended by c3,000 Financial Advisors. It was held in L.A, California and so was attended mostly by US and Canadian advisors and institutions. And given US/Canada are probably 15 years ahead of us in progressive advice in clients' interests, it is a great place to get ideas and inspiration as to how best serve clients here in Ireland. This week, you benefit from some of that

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24:03

Don't Jump Ship on Bonds #272

Informed Decisions Independent Financial Planning &... ·

2023/09/04

In the ever-evolving ocean of investments, where trends and fads can shift like the currents of the oceans beneath us, it's essential to keep a steady hand on the wheel. Amid the chorus of voices clamoring for the latest high-flying assets, one must pause and reconsider the tried-and-true: bonds. As financial advisors, it's our duty to ensure our clients make informed decisions. That's why we'll discuss why abandoning bonds might not be the wisest move, especially in today's dynamic market

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19:45

Johnny Sexton The (pension) Legend #271

Informed Decisions Independent Financial Planning &... ·

2023/08/29

This week I share some lessons we can learn from Johnny Sexton's reported pension planning in recent weeks! I've not even met the man (yet!) but he is a sporting legend, and I admire everything that he's done (even balling the referees for some of their Cup Final decisions!). And he has set yet another fine leadership example in terms of his pension planning. Let's learn from the boss! I hope you enjoy it!

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01:00:20

Talking Personal Finance with Brad Barrett – A $5Bn...

Informed Decisions Independent Financial Planning &... ·

2023/08/22

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 Management. He advises private individuals and families on their personal investment and advanced planning needs. In addition, he oversees the firm's Retirement and Corporate Services practice. His firm manages nearly $5 Billion dollars for thousands of families across the United States and abroad. Brad is the author of, Retire Right: Secure the

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23:49

Cash Is King? Podcast 269

Informed Decisions Independent Financial Planning &... ·

2023/08/14

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! Irish Household Wealth Aside from their regulatory role over financial services, Central Bank of Ireland share some really interesting research and reports. One such recent report was their 'Quarterly Financial Accounts' for Ireland. For me, one of the greatest signals of our financial health as a nation is our 'Household Debt'. This rate hit a high

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353 results

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