Best Paddy Delaney QFA RPA APA Podcasts (2025)

1
The Most Dangerous Day in Retirement with Dan Haylett 53:39

7d ago53:39

53:39

In this week's episode, I chat with Dan Haylett, Director of TFP Financial Planning in the UK, author of The Retirement You Didn’t See Coming, and host of the Humans vs Retirement podcast. Dan has built his career around helping people prepare for retirement in a way that goes far beyond the numbers, focusing on the human side of life after work. T…

1
Irish Pension Calculator: Do You Really Need €2M to Retire Comfortably?? 30:27

14d ago30:27

30:27

In our last podcast, we celebrated Fran's incredible achievement of amassing a €2 million pension pot through decades of disciplined saving and investing. Some who read it were inspired, some were envious, and others said "I don't bloody need €2m pension pot"! Today, we're asking a different question entirely: Do I actually need a €2 million pensio…

1
Build & Spend a 2m Pension Pot 33:41

21d ago33:41

33:41

Today, we’re diving into the real-life(ish) story of Fran – a regular guy who built a €2 million+ pension pot and retired at 55. No big lotto win. No magic investment hacks. Just smart use of Ireland’s pension system, discipline, and a few skipped car upgrades! Fran started young, contributed consistently, and maximised every bit of tax relief and …

1
Take 5%, not 4% from my ARF - with Bill Bengen (creator of the 4% rule!) 38:20

28d ago38:20

38:20

Welcome to Informed Decisions Podcast, where we bring you expert insights for Irish investors and retirees. Today, we have a rip-roaring guest joining us - Bill Bengen, the financial planner who literally wrote the book on retirement withdrawals. Back in 1994, Bill's groundbreaking research established what became known worldwide as the "4% rule". …

1
Venture Capital and Private Market Investing with Rob and Scott 1:02:33

1M ago1:02:33

1:02:33

In this episode of the Informed Decisions podcast, I chat with Rob Halligan and Scott Ashmore, co-founders of Shuttle, a platform aiming to democratise access to private equity and venture capital investments. The conversation dives into the fundamentals of private markets, how they differ from public equity investing, and why early-stage companies…

1
Understanding Your Defined Benefit Pension Scheme 36:31

2M ago36:31

36:31

If you’ve ever looked at your pension statement and thought, “What does this actually mean?” You’re not alone. In this episode, #338, we’re cutting through the jargon and making sense of Defined Benefit (DB) pension schemes, especially for Irish employees and retirees. These schemes can offer incredible long-term value, but many people don’t fully …

1
Flashback to episode 296 - Risk of Ruin...Lifestyle & Default Investment Pension Strategies 21:30

2M ago21:30

21:30

For the past 8 years, I’ve been making the case that most investors, particularly those who can tolerate volatility, should avoid Lifestyle investment strategies in pensions. It’s been a lonely stance, with little to no mainstream coverage, even though investor feedback on my analysis was consistently positive. Back in early 2024, I shared updated …

1
How Big Should My Pension Be? 29:39

2M ago29:39

29:39

This week I flashback to a podcast from 2021! While it is a few years old its a common and important question. Key takeaways How big your pension should be when you start drawing down income How big your pension should be at various stages of your life What you can do if it's not as big as you would like it to be! How to live 14.9% longer! I hope i…

1
8 Years Later! The Soul of Wealth with Dr. Daniel Crosby 57:05

3M ago57:05

57:05

In this week's podcast I chat with Dr. Daniel Crosby. He discusses the evolution of behavioral finance over the past eight years, reflecting on the growing acceptance and understanding of the field. He shares insights from his latest book, 'The Soul of Wealth,' emphasising the importance of health, happiness, and meaningful spending. The discussion…

1
What's the best ARF Fund for my pension? 28:49

3M ago28:49

28:49

In this week's podcast #334 I take a look ARFs If you google 'best ARF Fund in Ireland' today, you will get many results. The first few are of course paid-for, sponsored adverts from firms who want your clicks (and are paying handsomely for them!). There are then quite a few other firms who have written about this 'best ARF fund in Ireland' topic. …

1
Saving & Gifting to Kids in Ireland? Doing it Wrong Costs Thousands in Tax 23:08

3M ago23:08

23:08

In this week's episode, I explore crucial financial planning lessons for Irish families, highlighting examples where small oversights led to significant tax bills. Discover how one family's misunderstanding of Ireland's Dwelling House Exemption resulted in an unexpected €77,000 tax liability, and how another family's mismanagement of the Small Gift…

1
'Your Best PRSA & Master Trust Options' - with Glenn Gaughran 45:56

3M ago45:56

45:56

In episode 332 of the Informed Decisions Podcast, Paddy speaks with Glen Gaughran, Director and Head of Business Development at Independent Trustee Company (ITC). With nearly two decades of experience overseeing thousands of self-administered pension schemes, Glen offers insight into how the pension environment in Ireland is evolving and what indiv…

1
Exit from Work: Redefining Retirement with Dr. Gregg Lunceford 54:09

4M ago54:09

54:09

Informed Decisions Podcast | Episode 331 In this insightful episode, Paddy engages with Dr. Gregg Lunceford - retirement researcher, Certified Financial Planner®, and author of Exit from Work: What Will the New You Look Like? -to explore the evolving concept of retirement. Gregg discusses the emotional and psychological aspects of transitioning fro…

1
Gillen Markets GM Fund Analysis & Review 29:22

4M ago29:22

29:22

In this week's podcast, 330, I take a look at Gillen Markets. Gillen Markets have built a solid reputation as investment managers and advisors over the past decade and a half, led by founder Rory Gillen. They reportedly manage and advise on over €600m for c.500 families. They made the headlines last week, having announced that they were selling the…

1
Markets Fall, I Hate It Too, But It's Always Temporarily! 24:19

5M ago24:19

24:19

In this week's podcast I talk about what's on a lot of people's minds - the markets. As many expected, the media ran amock with the 'Liberation Day' announcements, and the resultant panicked actions of some investors led to the markets falling (as they do, a lot, temporarily!). Last Friday it seemed that every post I saw on Linkedin was by an advis…

1
Investing in Emerging Market Sectors with Kevin Carter EMQQ Global 1:32:23

5M ago1:32:23

1:32:23

In this week's podcast I chat with Kevin Carter, founder and CIO of EMQQ, investors in the emerging market technology sector. A really interesting conversation, which I hope you find helpful Key topics: What EMQQ does Kevin's approach Future of Emerging Markets Non Traditional Way to Invest in Emerging Markets China and India Kevin T. Carter is the…

1
Why Indexing Still Wins for Long-Term Investors and Pension Holders 25:21

6M ago25:21

25:21

Back in 2020, I wrote a piece outlining the uncomfortable truth that active fund managers find it hard to wrestle with....that most of them consistently fail to outperform 'the market'. Fast forward to 2025, and guess what? Nothing appears to have changed. In this podcast, I'll share the following: Why low-cost index funds continue to outperform th…

1
Best Pension Option For Self-Employed Directors in Ireland (in 2025!) 32:22

6M ago32:22

32:22

In this week's podcast I talk about pension options for self-employed directors. Over the past 3 years, the actual best pension option for self-employed directors has changed 3 times! Not because Financial Advisors and Planners were flip-flopping on their options (or trying to churn new business!), but because Revenue rules kept changing! So to hel…

1
Rental Income Tax Planning with Brendan Allen 1:11:15

6M ago1:11:15

1:11:15

In this week's podcast, I chat with Brendan Allen a specialist in property tax. He is a Chartered Tax Accountant and Chartered Tax Advisor, and is the owner of Allen & Co Tax Accountants and Landlord Tax Returns and is passionate about tax talk. Key topics Intricacies of tax of landlords Landlord tax credit Rent pressure zones Pros & Cons Pensions …

1
Building Olympic Resilience with David Gillick 1:04:06

7M ago1:04:06

1:04:06

On this week's podcast, episode 324, I chat with Olympian, David Gillick about resilience and his journey and how he got through some really dark days. Something we will experience as investors. David shares some fun and interesting stories David is one of Ireland most successful sprint athletes. He stepped off the track in 2013 after a successful …

1
US Market Warnings – And What We Can Do About It 45:52

7M ago45:52

45:52

There is more and more commentators shouting from the roof-tops about the massive growth of North American stock values and earnings over the past few years (since Covid really). I’ll explore what is and isn’t really happening, and what one’s practical options are. Specifically, the following are the claims/alarms being flagged; US Tech stocks have…

1
EIIS Investing in Ireland with Kevin Canning 51:26

7M ago51:26

51:26

In this week's podcast I talk with Kevin Canning, Managing Director of Quintas Capital. Kevin specialises in private markets and is the Investment Director of The EIIS Innovation Fund managed by Quintas. He is a Chartered Accountant (ACA), a Chartered Tax Advisor (CTA), and a respected member of the Irish Tax Institute, underscoring his comprehensi…

1
Holding Companies and Family Partnerships For Smart Tax Planning 45:31

7M ago45:31

45:31

In this week's podcast I chat to John Murphy a Director of OmniPro Tax and Legal Limited John is a Chartered Tax Adviser, who works with clients on income tax, tax planning, restructuring to exit planning as well as advising on company law in relation to these and many other matters. We talk about holding companies and family partnerships for smart…

1
Jordan Grumet Interview - Longevity, Health & Happiness 40:37

8M ago40:37

40:37

In this week's podcast I talk to Dr. Jordan Grumet, about the topics he covers in his new book The Purpose Code. Bringing together the topics of longevity, health, purpose and money. The Purpose Code hopes to help you what purpose really is and the role it plays in our lives. Jordan’s podcast – Earn & Invest Jordan Grumet.com Disclaimer…

1
What to Expect If Markets fall by 30% in 2025: A Retirement Asset Comparison 25:07

8M ago25:07

25:07

Planning for, and subsequently living (!) a dignified and choice-filled retirement is the biggest financial goal many of us have, or will have. It’s also a journey of uncertainties, and one of the biggest uncertanties is market volatility, both positive and negative. We have experienced such positive market growth in the past 2 years in particular.…

1
Tax Rates for Retirees in Ireland (2025) 21:33

9M ago21:33

21:33

In this week's podcast, the last for 2024 I talk about Tax Rates for Retirees in Ireland (2025). We spend a lot of time planning, analysing and accumulating retirement assets, often without clarity on the tax rates for retirees in Ireland! Time to start fixing that dear listener. Planning take-home retirement income requires careful consideration o…

1
Should I Stay Invested When Markets Are At All-Time Highs? 21:41

9M ago21:41

21:41

In this week's podcast, I talk about should I stay invested when markets are at all time highs, is something many will rightly ask. And here is the data to show it; S&P 500 is at 6,090 right now (all-time high) Eurostoxx at 4,980 now (whisker under all-time high) Nasdaq at 19,859 now (all-time high) Large sections of the global equity universe are …

1
The 5 Benefits of Passive Index Investing in Ireland 23:33

9M ago23:33

23:33

In this week's podcast, I talk about Index Investing in Ireland – A topic that will be of interest to all As you know at Informed Decisions, we believe in helping build a secure financial future through strategies grounded in research, not speculation. Today, I’d like to share why evidence-based investing, a disciplined approach driven by decades o…

1
Investing for Income Independence with Steve Selengut 1:02:48

10M ago1:02:48

1:02:48

In this week's podcast, Paddy chats with Steve Selengut, a.k.a The Income Coach about income generation strategies. An interesting and different approach. Steve has accumulated over 40 years of experience as a private investment manager, with a strong focus on increasing the spendable income generated by client portfolios. Today, his role has trans…

1
Investment Options in Ireland & What It Says About You! 29:44

10M ago29:44

29:44

In this week's podcast, I talk about investment options in Ireland. There are a bucket-load of investment options in Ireland. It is one of the biggest questions we see and hear from people. Yet, the landscape is fairly straight-forward once we get your head around it. Plus, the route someone will take with their investments is often not led by logi…

1
Protection Questions When Approaching Retirement With Nick McGowan 53:41

10M ago53:41

53:41

In this week's podcast I speak with Nick McGowan from Lion.ie about protection from all angles. Particularly chatting about questions that often come up from those that are approaching or just starting retirement. Lion.ie is a bespoke protection advisor based in Tullamore that advises on all areas of protection - mortgage, life insurance, income pr…

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

10M 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

11M 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

11M 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

11M 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

11M 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

12M 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

12M 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

12M 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

1y 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

1y 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

1y 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

1y 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

1y 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

1y 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

1y 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

1+ y 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

1+ y 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

1+ y 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

1+ y 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…

Podcasts Worth a Listen

Paddy Delaney QFA RPA APA Podcasts

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