Best Paddy Delaney Parent Podcasts (2024)

1
How Much Income Will €1 Million Generate in Retirement? 28:27

2h ago28:27

28:27

In this week's podcast, I talk about how much income will €1 million generate in retirement. Planning for retirement in Ireland involves making important decisions about how to generate reliable income from your pension savings (assuming you use pensions as part of your strategy!). We're going to take the case of our illustrative friend, Harry Houd…

1
Property Investing Tax Considerations with Paul Molloy 54:39

15d ago54:39

54:39

In this week's podcast, I chat with Paul Molloy from Box Clever Tax. His motto is "to help clients pay the correct and lowest amount of tax possible." #Please do check some comments made around tax rates & rules, and what is and is not allowable for tax relief, as these are important considerations# We have a chat about owning investment via a comp…

1
How Much Do I Need To Retire Comfortably in Ireland? Craggy Island Style... 29:20

18d ago29:20

29:20

If you're like most people we work with, as you approach retirement , you've probably found yourself asking the question: 'How much do I need to retire comfortably?' It’s one of the most common questions we get here at Informed Decisions, and it’s a crucial one to address, especially with the financial landscape constantly shifting! In this podcast…

1
Pension Adjustment Orders 23:05

23d ago23:05

23:05

This week I take a look at Pension Adjustment Orders. Pension Adjustment Orders are things that none of us probably anticipate we need to know about, until we do. This week I will share the following, in the hope that it might help you or a loved-one; What is a Pension Adjustment Order? What type of pension benefits does it apply to? What is a Cont…

1
Lump Sum Investing vs Dollar Cost Averaging €1m in Ireland 31:08

30d ago31:08

31:08

In this week's podcast, I take a look at lump sum invested vs dollar cost averages €1m in Ireland. Key topic points: Pros and cons of Lump Sum Investing and Dollar Cost Averaging A 'look-back' to see which has been most profitable for €1m invested in Ireland A look-forward to see which might be most profitable in future Investing when markets are d…

1
Expat Taxes with Stephanie Wickham 50:12

1M ago50:12

50:12

In this week's podcast we have a fantastic, informative chat with awarding winning, international expat tax advisor, KPMG chartered accountant, and tax specialist, Stephanie Wickham. Key topics include: Responsibilities for US Citizens living in Ireland (annual returns/pension income management/how to be compliant) Considerations for people who are…

1
Guardrails for Irish Retirees #308 24:46

2M ago24:46

24:46

In this week's podcast I talk about Guardrails for Irish retirees. One of the big questions I hear from clients heading into their 'next chapter' (blissful retirement!) is: how much can I actually spend each year without running out of money? It’s a great question – and one that deserves a well-thought-out answer. As financial advisors, it’s part o…

1
Budget 2025 Don't Look Back In Anger #307 19:31

2M ago19:31

19:31

This week I share a short piece with you to help prepare for relevant (potential) changes in the upcoming Budget. What we'll all want to avoid is seeing a change come into effect that we could have seen coming, and that we could regret not having taken action on! We want to avoid regret, so lets not look back in anger - I heard you say! I'll touch …

1
The Good, The Bad, & The Bonds #306 22:56

2M ago22:56

22:56

In this week's podcast we talk about what’s happening with bonds and why you should care. Over the past two years, we've seen dramatic shifts in the bond markets. Lots of investors and pension holders in Ireland have often large swathes of Bond Funds within their investment and pension portfolios. But often have never had clarity on what they are o…

1
Federal Estate Tax in Ireland #305 21:23

2M ago21:23

21:23

In this week's podcast, I cover a topic that I did a couple of years ago. FET is still an issue that I believe awareness is still not as wide as it should be. Potential Federal Estate Tax (FET) on US-based assets is critical for for us all to be aware of, and is often unknown. If you have more than $60k worth of assets domiciled in the USA, could t…

1
R.O.N.A.N - Lessons I've Learned...About Life & Retirement 17:47

3M ago17:47

17:47

This week's podcast was a difficult one to do, and I'm still not sure if it's appropriate or not for this space, but my intent is to look for the positives, and to be reminded of a few key principles, financial and non-financial. I hope it helps, both you and I!

1
Section 73 Investment Plans - Bear With Me. Podcast#303 27:11

3M ago27:11

27:11

For those looking to pass on wealth while trying to simultaneously reduce tax on the proceeds, Section 73 investment plans offer a potential solution. These plans are specifically designed and sold to try manage Capital Acquisitions Tax (CAT) liabilities on gifts, and to provide a potentially tax-efficient way to transfer assets to loved-ones. But …

1
Get Your Taxes in Order with Alan Purcell #302 1:10:21

3M ago1:10:21

1:10:21

In this weeks podcast we have a interesting guest with us - Alan Purcell from Cloud Accounts in Dublin. Alan is unique as he is both a Chartered Accountant and Chartered Tax Advisor. We had a quite broad conversation and covered a lot of ground, which I hope that you find helpful. Key topics include: PAYE taxes as an employee and what you should co…

1
From The Marines to Professor of Financial Planning #301 54:39

4M ago54:39

54:39

For this week's podcast we welcome a fantastic guest, Chet Bennetts. A professor of Financial Planning with a wonderful story about how he got to where he is and shares some interesting ideas with us. Main topics: Chet's journey to financial planning His current role Why he got involved with helping veterans with financial planning His PhD work I h…

1
Investing vs Inflation, We Are Hiring & I Interview My Kids #300 38:51

5M ago38:51

38:51

This week's podcast is the 300th Informed Decisions Personal Finance Podcast, so it is a little bit different than the usual! Key topics are: Inflation vs Investments over the past few years, what has or has not retained your purchasing power Informed Decisions Financial Planning may be hiring! I interview my kids, my most challenging interview to …

1
Section 72 Policies - Pros & Cons #299 28:52

5M ago28:52

28:52

In this week's podcast I take a look at Section 72 policies. What are they and what's good and bad about them? What would the outcome look like if you saved the premium instead? Section 72 policies are often discussed as a tool to manage inheritance tax liabilities and to maximise the legacy they leave to loved-one. I hope it helps.…

1
Inflation On Your Pension Assets #298 22:25

6M ago22:25

22:25

In this week's podcast I tackle a topic that's been heavily addressed already, inflation - but in the context of what it means for your pension assets. You may have noticed the Consumer Price Index (CPI) suggesting that inflation rates are easing off from recent highs. However, if we cast our minds back to the mid-1960s to the early 1980s, history …

1
Should I Invest in Bonds # 297 19:14

6M ago19:14

19:14

In this week's podcast I take a look at Bonds If you've got a slice of your pension or investment pie in bonds—be it individual or a fund, government or corporate—you're in good company. Many savvy investors do, and have always done. It's always been seen as a smart move, a bit of "financial wisdom" passed down through generations! But lately, than…

1
Risk of Ruin...Lifestyle & Default Investment Pension Strategies #296 21:30

6M ago21:30

21:30

In this week's podcast, I take another look at Lifestyle and Default Investment strategies for pension funds in Ireland. Something I've discussed before. For the past 7 years, I have been making the case for avoiding Lifestyling for most investors (those that can handle volatility). And it's been a lonely place! While I had nothing but positive fee…

1
Larry Fink & My Granny's Kitchen #295 24:05

7M ago24:05

24:05

In this week's podcast, I talk about Larry Fink, Warren Buffet, and my granny's kitchen. Larry Fink is renowned for his role as the CEO of BlackRock, one of the world's largest investment management firms. Much like Warren Buffett, Fink has earned a reputation as a visionary in the world of finance, leveraging his expertise to advocate for long-ter…

1
The Wealth of Health #294 17:21

7M ago17:21

17:21

In this week's podcast, I talk about the Wealth of Health. Something slightly off-topic this week, and something far more concise that usual. I hope it helps you. A definition of wealth is 'a plentiful supply of a particular desirable thing'. Money is a desirable thing - and we put a lot of focus here on accumulating and protecting that in an effic…

1
Are Fisher Investments Ireland Any Good? #293 21:08

7M ago21:08

21:08

In this week's podcast I take a look at Fisher Investments Ireland. Fisher Investments have been around the USA a long time apparently, and recently set-up shop in Ireland, but are Fisher Investments Ireland any good, I hear some ask? Are they a fish out of water, or are they a saviour landed on our shores! Lets find out! I hope it helps.…

1
Bitcoin ETFs & Nvidia - Lets Be Having You!? #292 20:35

8M ago20:35

20:35

One of my favourite podcasts is The Compound & Friends featuring hosts Josh Brown and Michael Batnick of 'Ritholtz Wealth' in the US. They are irreverent, funny, informative and between them and their varied guests (they call them 'friends'!) share some great insights and information. In recent weeks they have touched on a wide variety of topics, b…

1
A Lesson From The UK? Scandals & Over-Charging #291 15:22

8M ago15:22

15:22

In this week's podcast I talk about the scandal of UK investment firm Saint James' Place. It is a monstrous financial advice and investment firm regulated by the FCA in the UK. It has been marred by scandals over the past few years. They've been accused of it all; from 'rogue' investment managers (whose clients are still trying to get their money b…

1
Investing in Retirement #290 17:48

8M ago17:48

17:48

In this week's podcast we talk about Retirement Investment: The Case for Equity Over Bonds. Research published in October 2023 suggests a significant shift in retirement investment strategies is merited. The research indicates that retirees often benefit more from an equity-focused portfolio rather than the traditional equity/bond split. In Ireland…

1
Should I Go All-In On The S&P500? #289 24:47

9M ago24:47

24:47

In this week's podcast I talk about S&P500 and if it's a good idea or not to go All-In. Should you bet all your investment or pension assets on the good 'ol S&P500? Or would you be considered 'bananas' to do so?!? As with a lot of my podcasts, this is inspired by a recent conversation. Conversations that I love to have and to explore with clients. …

1
Pension Lifestyling - A Blessing or a Curse For Retirees? #288 24:06

9M ago24:06

24:06

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…

1
Anne Lester Your Best Financial Life: Save Smart Now for the Future You Want #287 1:00:50

9M ago1:00:50

1:00:50

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…

1
Simplicity is The Ultimate Complexity #286 15:51

10M ago15:51

15:51

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.…

1
Best Investments of 2022 and 2023 in Ireland #285 16:15

10M ago16:15

16:15

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…

1
Retirement Planning For Business Owners in Ireland #284 15:40

11M ago15:40

15:40

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, no…

1
Auto Enrolment Pensions In Ireland # 283 18:44

11M ago18:44

18:44

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 …

1
Tax Pitfalls To Avoid with Christine Kearney CTA #282 35:51

11M ago35:51

35:51

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…

1
Gifting 2m Tax Free To Family in Ireland #281 23:26

12M ago23:26

23:26

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…

1
20 Investment Tips For Irish Investors To Navigate #280 15:09

12M ago15:09

15:09

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 al…

1
Severance Payments and Taxes in Ireland #279 19:52

1y ago19:52

19:52

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 h…

1
ARF Incomes and PRSI Considerations #278 20:37

1y ago20:37

20:37

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 y…

1
The Intersection Of AI and Investing with CEO Ravi Koka. Podcast #277 43:15

1y ago43:15

43:15

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 Rev…

1
Money Market Funds - Real or Unreal #276 13:05

1y ago13:05

13:05

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…

1
Money Market Funds For Business Cash #275 29:43

1y ago29:43

29:43

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…

1
Property Pensions & PRSAs with Glenn Gaughran #274 54:15

1y ago54:15

54:15

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…

1
The 5 Trends In Progressive Financial Advice #273 25:02

1y ago25:02

25:02

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'…

1
Don't Jump Ship on Bonds #272 24:03

1y ago24:03

24:03

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 c…

1
Johnny Sexton The (pension) Legend #271 19:45

1y ago19:45

19:45

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 pensio…

1
Talking Personal Finance with Brad Barrett – A $5Bn Planning Firm MD #270 1:00:20

1y ago1:00:20

1:00:20

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 ma…

1
Cash Is King? Podcast 269 23:49

1y ago23:49

23:49

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 Finan…

1
5 Challenges to Independent Investment Advice in Ireland #268 30:15

1+ y ago30:15

30:15

Independent investment advice in Ireland is a rare thing, at least under current Central Bank of Ireland regulations. Currently, only an investment advice firm in Ireland that does not receive any form of commission can call themselves 'Independent'. So does that mean getting independent investment advice in Ireland is deeply flawed, not at all! Th…

1
Important Questions About Retirement Planning #267 30:17

1+ y ago30:17

30:17

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 priorities. Whether you are just starting your career or approaching retirement age, 'today' is the next-best time to explore these, if you haven't already done so. With the intention of helping you ma…

1
A Look Back at the Popular 'A Listener's Journey' Series #266 58:28

1+ y ago58:28

58:28

This week we bring back episode one in the popular 'A Listerner's Journey' podcast series with William Lacey. Throughout this series, William talks about his journey of escaping full-time employment. This is an insightful and helpful series that discusses many of the concerns, thoughts, priorities, and actions that many of us face as we transition …

1
Flashback To a Classic: Lars Kroijer Interview 'Can We Beat the Market' #265 54:36

1+ y ago54:36

54:36

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 entrepreneur from Denmark. Can we beat the market? If we can’t what should we do? Lars and Paddy talk about investments, hedge funds, beating markets, and much more that we hope you will find helpful.…

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