Informed Decisions Independent Financial Planning & Money Podcast

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 that fog for you! In today's podcast I will talk about: The 'best investments' Ireland offers How you can get your hands on them! Why all of this may be utter nonsense! I hope it helps

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 your job, apart from the small matter of securing your financial future, what to do with your pension benefits is one of the most important things you need to consider. This can be especially so if you and your employer have been diligently contributing to your pension scheme for many years! Key Points: Beware 'Advisors' that tell you to move it, without due analysis to ensure it is best for you You will have 3 main options for your pension benefits when leaving employment You are entitled to an option statement after leaving, it's important to know what it means If it is a good idea to combine multiple older pensions into one scheme

One of the biggest questions for people who are transitioning from full-time employment is 'how does spending change in retirement?'. It is a difficult question to answer, but there is a lot of research out there, which points to some key takeaways. Retirees can expect to spend less on food and clothing You can expect to spend less on transportation in retirement Expect healthcare costs to increase Many retirees plan to spend more on gifting More favourable tax rules apply to retirees Expect your overall spending to remain broadly in line with current spending I hope it helps. Thanks

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 return on character as an ETF means How this ETF came about and how it is implemented How ROC Investments are trying to deliver returns in excess of the benchmark for investors in their ETF How they are trying to drive positive change within corporations The long-term goals of this EFT I hope you find the conversation interesting and helpful. Thanks ROC Investments Book Recommendations: Shantaram Return on Character

'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 'Safe' and Conservative Investment Funds are performing Why 'Safe' Funds are suffering badly What you can do to improve things for yourself Thanks

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 speaking, and finding purpose in life. Jordan's experience working with patients in end of life care brings a really unique, insightful and interesting perspective to living a life with no regrets. Key topics we cover: - What is important to you - What he has learned from hospice patients about life regrets - Financial independence - Finding what's important to you - Discovering what your identity really is I hope it helps Thanks Jordan's podcast - Earn & Invest Jordan Grumet.com Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life The White Coat Investor: A Doctor's Guide to Personal Finance and Investing by James M. Dahle MD The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins

This week's podcast tackles 8 of the most common financial mistakes retirees make. Be prepared for retirement lifestyle changes Have a plan in place for elder care Understand how Income Tax works in retirement Don't forget about inflation (kinda hard not at the moment!) Stay active and socialise Don't delay retirement planning Test your retirement lifestyle before retiring Make a plan for any debt, or gifting I hope it helps.

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 where we are in the greater scheme of things. Where exactly are we now? What we know When will markets recover? I hope it helps Paddy

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 financial planning and financial advice. I met and interviewed Santi at the Future Proof Festival two weeks ago in Los Angeles. Santi is a great guest, full of energy and who is driving forward. He is here to share what they're doing with Lumiant by bringing value based financial advice to the world and ultimately helping people to live their best life. He also talks about what has happened to financial advice in general in Australia, which has followed a similar track to the UK and America. And probably a tract that Ireland is heading down in the future. We also speak about the non-financial spouse. Those people who quite often get left behind by financial advisors and why they are people that we need to engage. I hope you enjoy the conversation. Lumiant The Knowledge Project: #142 Marshall Goldsmith: The Essentials Of Leadership

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 what's happening in other parts of the world with regard to ESG investing and explore what options we do have here in Ireland. It's an interesting topic and it's one I'm not fully decided on yet; as will become clear.